Gajardo Wealth Management LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$7,222,648
Total clients
28
14% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
28
Average account size
$257,952
About
The firm provides investment management, comprehensive and project-based financial planning, and retirement plan consulting to individuals (including high‑net‑worth clients) as well as employer plan sponsors and profit‑sharing plans. It operates as a fee‑only adviser and implements advisory relationships through percentage‑of‑assets fees for investment management alongside fixed monthly planning engagements.
The firm’s investment approach emphasizes asset allocation informed by Modern Portfolio Theory, combining passive and active strategies and, when appropriate, employing outside managers or subscribing to model portfolios through the Altruist Model Marketplace to implement client accounts. Clients generally grant the firm discretionary trading authority and participate in an annual planning calendar with bi‑annual reviews and ongoing monitoring to update plans and assess progress.
A distinctive aspect of the firm is its retirement plan consulting practice for employer plan sponsors — including investment policy development, fee analysis, participant education, and vendor searches — where it provides ongoing advisory services and serves in an ERISA fiduciary capacity, a service less commonly offered by peers. The firm also integrates employee‑benefits optimization and business‑planning advice within its individual planning engagements and relies on a small client base and third‑party implementation tools to tailor solutions.
Client services
Financial planning
Portfolio management
Pension consulting
Selection of other advisers
Expertise
Business ownership considerations
Tax-loss harvesting
Fee options
Ongoing financial planning: $300/month for individuals, $450/month for couples; Project-based planning fixed fees $200 to $2,000.
$0 - $1,500,000: 1.00% annually $1,500,001 - $3,000,000: 0.70% annually $3,000,001 - $6,000,000: 0.50% annually $6,000,001+: 0.35% annually
Up to $200 per hour for project-based financial planning.
Fee-only: Investment management fees as above; ongoing financial planning flat fees; project-based fixed or hourly fees.
Main office location
Gajardo Wealth Management LLC
American Fork UT, United States
Number of offices
1
Most active in
Gajardo Wealth Management LLC has reported serving >5 clients in these states in the last 12 months.
Nevada · Utah
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")