Monica  Garver

Monica Garver


RTD Financial Advisors, Inc.

(814) 539-6009

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Fee-Only Financial Planner serving the Johnstown, PA area.


  • Fee-Only Financial Planning
  • Financial Review
  • Hourly Fee Consultations
  • Retirement Planning
  • Investment Management
  • Tax Planning
  • Estate Planning
  • Insurance Services
  • College Education Planning
  • 401(k) and IRAs
  • Business Planning
  • Employee Benefits


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Johnstown, PA

Fee-Only & Fiduciary

The National Association of Personal Financial Advisors (NAPFA) is the country's leading association of fee-only and fiduciary financial planners.

Monica Garver is a Johnstown, PA Fee-Only Financial Planner serving Johnstown and all surrounding areas. RTD Financial Advisors, Inc. specializes in providing objective financial planning to help clients build, manage, grow, and protect their assets through life's transitions. Monica Garver is a NAPFA-Registered Financial Advisor and a CERTIFIED FINANCIAL PLANNER™ Professional.

Monica Garver is Vice President/ Senior Planner of RTD Financial Advisors, Inc. headquartered in Philadelphia, PA and manages the branch office in Johnstown, PA.   As a graduate of Duquesne University with a BS in Accounting, Monica started her career in public accounting at Coopers and Lybrand and moved into financial planning as a trust officer with Mellon Bank.  Monica obtained her CPA in 1986 and her CFP® in 1988.  Monica is a past instructor for the Pennsylvania Institute of Certified Public Accountants.

In May of 2000, Monica joined forces with several talented professionals to create an independent, un-biased fee-only investment advisory firm.  In February of 2001, the SEC approved PRIMESolutions Advisors, LLC as a Registered Investment Advisory Firm, where she was a registered advisor until June of 2014.

Adding further depth to her credentials, in July of 2002, Monica completed the  Accredited Investment Fiduciary curriculum sponsored by the Center for Fiduciary Studies at the Katz Business School; and in August 2003 joined the ranks of professionals who hold the official designation of Accredited Investment Fiduciary AIF®.  The AIF® designation distinguishes Monica as a qualified plan Investment Professional focused on the Fiduciary integrity of qualified plan assets.   In March of 2009 Monica returned to the Center for Fiduciary Studies to obtain her Accredited Investment Fiduciary Analyst designation AIFA®.  The AIFA® signifies that the designee has demonstrated the knowledge to assess whether an investment fiduciary conforms to a Global Fiduciary Standard of Excellence.  Monica was a panelist at fi360 National Conference in 2008.

In December of 2012, Monica completed a specialized educational program in professional divorce analysis and is now a Certified Divorce Financial Analyst (CDFA™).  Monica is trained to provide strategic financial analysis to people going through a divorce. She evaluates the tax implications of dividing property and the financial impact of various settlement options for division of marital property (including all qualified plan assets and pensions) as well as child and spousal support payments.

In 2012 Monica was named a Select Wealth Manager by Pittsburgh Magazine.

Monica is on the Board of the Independent Catholic Foundation for the Diocese of Altoona/Johnstown as well as the Johnstown Symphony Orchestra.  She is an active member of the Johnstown Rotary Club. Monica resides in the Westmont section of Johnstown, PA with her husband, Dr. Michael Garver, owner of Family Dentistry Associates of Johnstown; they have three children. 

Monica enjoys spending time with her family exploring America’s best kept secret – our National Parks and thus far claims Yosemite to be her favorite.  A beach bum as well, she loves the beautiful beaches of Kiawah Island, SC.


Philosophy of Independence

We believe in providing unbiased and objective advice based solely on your situation, not on proprietary products or corporate constraints. That’s why we stand by our own declaration of independence and sit on your side of the table. We always look after your best interests, guided by an honest assessment of your needs and goals. Your agenda is our compass.

Fiduciary Excellence

As your fiduciary, we are straightforward in our advice, transparent in our fees, and responsive in our service. We engage in the relentless pursuit of putting you first in everything we do. Our internal checks and balances are reinforced by a certification from the Centre for Fiduciary Excellence (CEFEX). CEFEX provides independent recognition of our firm’s conformity to a defined standard of practice and our trustworthiness as an investment fiduciary.

30-year Heritage

Established in 1983, we have weathered our share of economic storms and financial fads. We have years of experience in balancing traditional values and proven practices with timely insight and flexible approaches to help minimize undue risk and maximize opportunity in any climate. We take a team approach to provide consistent, quality advice and service. One of the original independent advisory firms and a pioneer in Financial Life Planning® services, we remain thought leaders in the financial planning profession.

RTD has been nationally recognized as one of the top advisory firms by numerous publications such as Money Magazine, Worth, Philadelphia Business Journal, and Barron’s.