Greg Giardino


Atlas Fiduciary Financial LLC.

Lead Financial Planner

Greg Giardino


Atlas Fiduciary Financial LLC.

Lead Financial Planner

I am a fee-only financial planner with a unique personal story, which equipped me with a passion for protecting others. I have made it my mission to use my experience to educate and inspire my clients to act on their best intentions to protect their biggest asset - their family. - Greg Giardino, CFP®, CPWA®

Fee-Only financial planner located in Oakland, NJ, serving clients locally, from the Sarasota, FL office, and across the country with "SMARTER FINANCIAL SOLUTIONS FOR YOUR BEST LIFE"

The name of our firm tells you what we stand for.  According to the dictionary, Atlas is a person who is a mainstay and a Fiduciary involves operating in trust for another person. Advising clients, affecting their financial lives is a tremendous responsibility - which is not lost on us.  Our promise of reliable and responsible guidance can be found in our name and in the SIGNED FIDUCIARY OATH we give each of our clients.

From the beginning, we have always worked as FEE-ONLY Advisors.  Our recommendations are based solely upon merit and our analytical evaluation of the pros and cons of your options. 

In order to provide this level of analysis - EDUCATION AND EXPERIENCE MATTER.  At Atlas Fiduciary Financial, every team member has at least a finance degree from a university and also a CFP.  The senior advisors hold terminal university degrees and gold-standard credentials.  For example, in addition to the CFP, I hold the CPWA certification.  Other Senior Advisors of the firm hold the CFA designation which broadens our knowledge.

And our EXPERIENCE RUNS DEEP.  I’ve worked as a finance professional for over 14 years.  Our Senior Advisors all have similar tenures.

Atlas Fiduciary Financial offers COMPREHENSIVE FINANCIAL PLANNING where we look at your entire life to provide solutions that support your “best” life and we also offer investment management based on what we have coined ENHANCED-MODERN PORTFOLIO THEORY, using sophisticated mathematical tools proven to reduce risk while investing in your future.

And we are GOOD LISTENERS.  Our personalized focus on your life inspires trust and confidence.  No matter what your situation, your financial plan should address your deepest concerns.  Our compassionate team specializes in clear, straightforward guidance, so you gain a sense of organization and clarity. 

In summary, our SUPERIOR EDUCATION, our YEARS OF EXPERIENCE, our FEE-ONLY FIDUCIARY PROMISE and our GENUINE CONCERN for our clients are the reasons why our relationships run deep and are long-lasting.

An unexpected series of personal events inspired Greg Giardino to pursue a career in financial planning. As he tells it, his unique personal experience equipped him with a passion for protecting and educating others to help them in the same way that financial planning safeguarded his family:

“My family experienced the unexpected tragedy of losing my father due to injuries sustained in a car accident. It was a devastating loss – he was our sole breadwinner, and he passed away early at 54, leaving behind his wife and three children. Our family was very fortunate; my father revisited and followed through on his insurance and estate planning a year and a half before his passing. As a result of his smart planning, my father left our family with peace of mind from a financial perspective, so it took away at least one stressor during this time of loss – worrying about finances. Planning was the best investment my father had ever made. The skillful planning preserved all of the hard work that he endured to provide for our family. Hearing a story like mine is rare because many successful families don’t receive proactive and professional advice. I have made it my mission to use my experience to educate and inspire my clients to act on their best intentions to protect their biggest asset – their family.”

In addition to planning and protecting families, Greg also discovered a common problem amongst the educators he counseled while working with professors and physicians.   Many reported receiving only rudimentary retirement advice, and nearly all the academics did not have a financial plan to navigate life changes. Greg realized that these same issues were also prevalent among those approaching retirement, including successful professionals and business owners. This experience inspired Greg to fulfill the need for advanced retirement planning advice for high-net-worth families.

Greg has a “client first” mentality, so his decision to join Atlas was easy. His philosophy of always acting as a fiduciary aligns with the firm since it exclusively operates under a fee-only approach. The fee-only form of compensation only accepts fees paid directly by the client. Unlike most financial advisors who work under a fee-based (fee and commission) model, the fee-only approach prohibits third-party commissions and their conflicts of interest.

With over a decade of experience in the wealth management industry, Greg’s academic credentials include the prestigious certification as a CERTIFIED FINANCIAL PLANNER™. As a CFP® professional, he must abide by the CFP board’s standard of professional conduct and put his client’s interests first.

Greg also holds the Certified Private Wealth Advisor® certification, which he earned through the Investments & Wealth Institute™ and taught in conjunction with the Yale School of Management. The Certified Private Wealth Advisor® certification is an advanced credential for advisors who work with high-net-worth clients, focusing on the life cycle of wealth: accumulation, preservation, and distribution. He is a member of the NJ Chapter of the Financial Planning Association, IWI, and NAPFA. His insights appear in various media publications, including the Wall Street Journal, Barron’s, and CNBC.

Greg and his wife, Melissa, reside in Bergen County, NJ. They enjoy traveling – from Australia to the Jersey Shore, hiking, and attending their favorite college sporting events.

Greg Giardino is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning.

Our genuine desire to help people achieve their financial goals, combined with our unique qualities and capabilities, translate to excellent personalized service.


  • Our members hold the highest levels of education in the profession with at least a BA or MBA in finance, while the partners hold a MS and a Ph.D. in financial planning.
  • Our members all hold a CFP® at minimum and members also hold the other most relevant credentials in the profession including, CFA, CPA, CLU, ChFC.
  • We are continuous learners -  investing in our human capital allows us to offer smarter solutions in a dynamic world.


  • We commit in writing to working as pure (100% of the time) fiduciary and fee-only advisors which means all recommendations are always unbiased and objective.
  • We are members of NAPFA (the only organization monitoring Fee-Only advisors) and are restricted from receiving commissions or compensation from any source other than you - our client. This means all recommendations are merit based.
  • True independence (unencumbered by an organization) means we have no boss or shareholders who could influence our recommendations.  Our only boss is you - our client. 


  • By working with you (not for you) we help you achieve your best life using money as a tool. 


  • Life transitions cause financial stress making it difficult to make the right decisions.
  • We listen deeply to uncover your unique needs.
  • We educate and explain pros/cons of each potential solution to empower your decisions.


  • We help protect you against risk by controlling the controllable.
  • We help you stay focused and on track to achieve your goals.


  • Our client relationships are genuine and rewarding.
  • We are grateful and humbled to do meaningful work contributing to our client’s well-being.

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.


  • Comprehensive Financial Planning
  • Retirement Income Planning
  • Investment Management
  • Tax Planning
  • Insurance/Risk Management

Ideal Clients

  • Near Retirees and Retirees
  • University Faculty
  • High-Net-Worth Individuals & Families
  • Business Owners and Executives
  • Sudden Wealth Situations
  • Widows/Widowers

Working Together

  • In-Office Meetings
  • Virtual Meetings
  • Clearly Defined Fees
  • No Product Sales
  • Complimentary Initial Consultation

Professional Designations & Affiliations

  • National Association of Personal Financial Advisors (NAPFA)
    Greg Giardino is a NAPFA-Registered Financial Advisor

    The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.

  • Certified Financial Planner (CFP)
    Greg Giardino is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification

    CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.

  • CPWA - Certified Private Wealth Advisor
    Greg Giardino is a Certified Private Wealth Advisor ® (CPWA®)

    The CPWA certification is an advanced professional education and certification for advisors who provide the breadth of specialized skills required to meet the needs of high-net-worth clients. This certification requires advisors to develop advanced knowledge and skills to address the wide range of complex issues faced by wealthy individuals and families, including portfolio strategies, wealth transfer, family dynamics, risk management, asset protection, closely-held business ownership, charitable giving, estate planning, retirement planning, and more. Fewer than 1% of financial advisors have achieved the CPWA certification.

Contact Greg Giardino

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Office Locations:

  • 393 Ramapo Valley Road
    Suite 2
    Oakland, NJ 07436

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