Jonathan M. Gardey


Gardey Financial Advisors

President and CEO

Jonathan M. Gardey


Gardey Financial Advisors

President and CEO

As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - Jonathan M. Gardey, MBA, CFP®, CFA®

Fee-Only financial planner located in Saginaw, MI, serving clients locally and across the country

Jonathan M. Gardey is a Saginaw, MI fee-only financial planner. Gardey Financial Advisors provides wealth management and retirement planning to help clients organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Jonathan M. Gardey is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

Before he joined the firm in 1993, Jonathan Gardey learned leadership, discipline, and responsibility from six years in the US Navy. Jon served on an aircraft carrier in the Indian Ocean and was Chief Engineer on a high-speed hydrofoil in the Caribbean. Prior to his Naval service, Jon’s academic career began at the University of Wisconsin. When he returned from the Navy, he continued his studies and earned a MBA in both Finance and Money and Financial Markets from Columbia University.
Following a successful military service career and graduate studies, Jon pursued a career in finance and gained the designations of Chartered Financial Analyst (CFA®) charterholder and Certified Financial Planner™ (CFP®) professional. This knowledge and years of experience has made Jon a valuable team player as well as a leader and trusted professional.  In his 25+ year career with Gardey Financial Advisors, Jon has worn and continues to wear many hats. In addition to his duties as President and CEO, he is also a Financial Advisor, the Director of Research, Chairman of the Investment Strategy Committee, Chairman of the Strategic Planning Committee, and Chairman of the Leadership Committee.
Jon brings his knowledge, experience and leadership skills to a number of key institutions in his field, and he is also an active member of his community. He is a Past-President of the Northeastern Michigan Estate Planning Council, a member of the CFA Institute, and the CFA Society of Detroit. Jon is a member of the Board of Directors at financial, educational, and private enterprises, including Covenant Healthcare System, Delta College Foundation Investment Advisory Committee, Stevens Center for Family Business, and Central Equity Investments Incorporated.
Jon lives in Thomas Township with his wife and two son’s. He also has two daughters. His oldest daughter is married and has a career as a Medical Laboratory Technician and his other daughter is a Senior at Central Michigan University. He enjoys spending time with his children and others, serving as Treasurer of his son’s Boy Scout Troop, is an assistant coach for his youngest son’s football team, is a member of the stick crew for his older son’s football team, and he helps children in his community through the Saginaw READ program. In his spare time he has earned a black belt in Tae Kwon Do and enjoys sailing.

Jonathan M. Gardey 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.

Gardey Financial Advisors, a highly respected firm founded in 1985 by Kim Gardey, has grown into a team of 18 associates including six Certified Financial Planner™ professionals who evaluate, implement, and nurture your financial future.

Our Advisors have backgrounds that include over 300 years of professional investment and financial planning experience – and additional experience in everything from brokerage firms, corporate finance and bank trust departments to higher education, insurance, and real estate. This ensures that you will receive only sound financial advice. We work closely with clients’ attorneys, tax preparers, and other professionals.

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


  • Comprehensive Financial Planning
  • Retirement Income Planning
  • Investment Management
  • College Education Planning
  • Tax Planning

Ideal Clients

  • Retirees and Near Retirees
  • Growing Families
  • Business Owners and Executives
  • Sudden Money Situations
  • Novice Investors

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)
    Jonathan M. Gardey 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)
    Jonathan M. Gardey 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.

  • CFA - Chartered Financial Analyst

    Jonathan M. Gardey is a CFA® charterholder

    The CFA Program is the most respected and recognized investment management designation in the world with less than 200,000 charterholders globally.

    This advisor has earned the Chartered Financial Analyst® designation (CFA® charter) by passing all three of the CFA exams and gaining relevant industry experience, demonstrating their mastery of the investment analysis and decision-making skills most needed in the global investment management profession.

Contact Jonathan M. Gardey

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Office Locations:

  • 100 Harrow Ln
    Saginaw, MI 48638

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