Kim Gardey


Gardey Financial Advisors Inc.

Financial Advisor

Kim Gardey


Gardey Financial Advisors Inc.

Financial Advisor

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

(989) 791-3880

Fee-Only Financial Advisor located in Saginaw, serving Northeastern MI.

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

Kim M. Gardey, CFP®, Chairman of Gardey Financial Advisors, a firm with a staff of 15 including 5 financial advisors, has spent all of his working life in the field of investment management and personal financial planning. 

He began his career in the Investment Department of the National Bank of Detroit.  After four years, he joined Second National Bank of Saginaw where he was ultimately named a Senior Vice President and Senior Trust Officer.  He left the bank in 1985 to establish his own investment counseling firm.  In his position at Second National Bank, he headed the bank’s Trust Department; he also headed the Bank Investment Department wherein he was responsible for the management of the bank’s bond portfolio. 

Kim earned (with honors) his Bachelor’s Degree in Economics from the University of Michigan and a master’s degree in Economics from the University of California where he was named a Distinguished Scholar. 

He is a Certified Financial Planner™ professional.  Kim also served on the faculties of Saginaw Valley State University and Delta College where he taught courses in Economics, Monetary Theory & Policy, and Investment Management.  He is a member of The Institute of Certified Financial Planners, the CFA Institute, the CFA Society of Detroit, the American Economic Association, the Royal Economics Society, the National Association of Personal Financial Advisors (NAPFA), and is a member and past president of the Northeastern Michigan Estate Planning Council.

Kim Gardey is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is the country’s 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

Welcome to Gardey Financial Advisors

We make satisfying your wants, lifelong goals, and financial aspirations our Number One priority.

“We want our clients to feel satisfied and comfortable in knowing

that we are securing their financial future – whatever they want their

future to look like.”   — Kim Gardey, CFP®, Chairman


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

Our Advisors have backgrounds that include over 273 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)
    Kim Gardey is a NAPFA-Registered Financial Advisor

    The National Association of Personal Financial Advisors (NAPFA) is the country’s 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)
    Kim 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.

  • Financial Planning Association
    Kim Gardey is a member of The Financial Planning Association® (FPA®)

    FPA® is the largest membership organization for CFP® professionals in the U.S. and supports high standards of professional competence, ethical conduct, and clear, complete disclosure when serving clients.

Contact Kim Gardey

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Office Locations:

  • 100 Harrow Lane
    Saginaw, MI 48638

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