Michael Garber


Michael Garber Financial Planning


Michael Garber


Michael Garber Financial Planning


As a fee-only financial planner, my focus is to offer unbiased financial advice to help you "Engineer Your Future(TM)" - Michael Garber, CFP®, CRTP

(408) 451-8418

Fee-Only financial planner located in San Jose, CA, established in 2005.

Michael Garber is a Silicon Valley fee-only financial planner based in San Jose, serving clients throughout the Bay Area and California.

Michael Garber Financial Planning provides holistic financial planning, investment advice, and assistance with specific financial decisions.  The firm helps families and individuals achieve a better quality of life, specializing in serving technology professionals with RSUs, stock options or deferred compensation and related tax issues. Michael Garber Financial Planning serves clients as a fiduciary and never earns a commission of any kind.

Michael Garber is Principal at Michael Garber Financial Planning, located in San Jose, CA.

Michael has worked for over 30 years in high-tech marketing, sales and executive roles. With a background in electrical engineering, he had always wanted to do something different that involved working with people. In 2005, Michael started his fee-only practice, which eventually became Michael Garber Financial Planning. After a chance encounter with Bert Whitehead at a NAPFA conference, Michael joined ACP the following year.  Michael enjoys helping families prepare for a more secure financial future and coaching them to move “from success to significance.”

Michael Garber 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.

Michael Garber Financial Planning is an independent financial planning and investment consulting firm offering holistic financial planning, investment advice and assistance with specific financial decisions. We help families and individuals to reach their financial goals and achieve a better quality of life. These services may be general in nature or focused on a particular area of interest or need, depending on the individual's unique circumstances.

Michael Garber Financial Planning distinguishes itself from traditional investment advisory firms by providing services to meet your investment needs, as well as tax planning and preparation, estate planning, risk management, retirement planning, and business development needs.

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


  • Comprehensive Financial Planning
  • Tax Planning
  • Equity Compensation Guidance
  • Investment Management
  • Retirement Income Planning

Ideal Clients

  • Tech Workers
  • Growing Families
  • RSUs, Options or deferred compensation
  • Sudden Money Situations
  • Ongoing relationship with a real person

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)
    Michael Garber 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)
    Michael Garber 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.

  • Alliance of Comprehensive Planners
    Michael Garber is a Member of the Alliance of Comprehensive Planners (ACP)

    Alliance of Comprehensive Planners (ACP) is the community of tax-focused financial planners that operate under the retainer model. Passionately dedicated to superb client service, ACP planners’ only source of income is client retainer fees – not commissions. With an ACP planner, you can be confident you’re getting experience, knowledge, research, and most importantly, advice that is tailored just for you.

Contact Michael Garber

Please enter your name
Please enter a valid 10 digit US phone number in the format xxx-yyy-zzzz
Please enter a valid email address
Please leave a message for the advisor.
Clear Form
Please verify that you aren't a robot.
There was an issue sending your message. If this issue persists, please contact support.
Message Sent! Your message info will be displayed in other advisor contact forms to make it easy to send to multiple advisors. We do not share your message content beyond the advisors you choose.

Office Locations:

  • 111 North Market Street
    Suite 300
    San Jose, CA 95113

Outdated Browser Detected!

If you're seeing this message, it's because the web browser you're using to access our site is much older and no longer supported. Due to privacy and safety concerns, we don't allow older browsers to access our site. In order to access WhyFiduciary.com, please use a newer browser, like Internet Explorer 10 or above, Google Chrome, or Mozilla Firefox.

Download a newer browser