Gardena Financial Retirement Advisors
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$17,937,465
Clients
37
0% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
37
HighAverage account size
$484,796
About
Gardena Financial Retirement Advisors provides investment advisory and retirement planning services primarily to individual clients and certain businesses, with branded practices that focus on occupational groups such as nurses, school employees, and municipal workers. The firm offers portfolio management—both discretionary and non‑discretionary—alongside separate financial and retirement planning engagements and ongoing account reviews.
The firm builds client-specific investment policy statements and applies fundamental analysis to construct customized portfolios, using its own models, third‑party model portfolios, and a range of securities including mutual funds, equities, fixed income, options, annuities, REITs, and real‑estate‑linked instruments like deeds of trust and tax liens. It may employ temporary defensive cash positions and routinely considers tax, income, time horizon, and risk tolerance when tailoring strategies.
What distinguishes the firm is that its principal is licensed across multiple financial professions and offers related services through affiliated legal entities—tax preparation, mortgage brokerage, real estate brokerage, and insurance—each disclosed in the brochure and noted as separately contracted and potentially commission‑based. Those affiliations, combined with the firm’s occupationally focused dba practices and its modest number of client relationships and assets under management, are central operational features disclosed for client consideration.
Client services
Portfolio management
Expertise
General retirement planning
Social Security optimization
Retirement withdrawal strategies
Medicare planning
Annuities
Occupation focus
Retired
Fee options
$0 - $350,000: 1.45% $350,001 - $1,000,000: 1.30% $1,000,001 - $1,500,000: 1.15% $1,500,001 - $3,000,000: 1.00% $3,000,001+: 0.85%
Hourly fees for financial and retirement planning services vary on a case-by-case basis, details provided in individual agreements
Account minimum: $100,000 Minimum fee: $1,450 per year
Main office location
Gardena Financial Retirement Advisors
1516 W Redondo Beach Blvd
Gardena CA 90247, United States
Number of offices
1
Most active in
Gardena Financial Retirement Advisors has reported serving >5 clients in these states in the last 12 months.
California
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 active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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.
Is not active or affiliated with:
-
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.
-
Lawyer
They provide legal services, typically billed separately.
Forms ADV
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