Gardiner Financial, Inc.

Gardiner Financial is a fee‑only, state‑registered investment adviser that serves individual clients, including high‑net‑worth individuals, with portfolio management and financial planning. Services described in the brochure include customized investment management guided by an Investment Policy Statement, comprehensive ongoing financial planning, and a standalone student‑loan optimization service.

The firm primarily implements passive, asset‑class‑based portfolios using low‑cost index mutual funds and ETFs, with allocations designed to balance correlation, risk and return and ongoing account supervision tied to each client’s IPS. For certain engagements the adviser may augment the passive approach with fundamental, technical, cyclical or charting analysis, and comprehensive planning clients receive continuous access to a planner and periodic plan reviews.

Noteworthy features include managing roughly $14 million for a very small client base, which yields a high assets‑per‑client profile and a practice oriented toward individualized plans rather than high‑volume reporting; the firm also does not provide written investment reports to investment management clients. The principal maintains a separate full‑time clinical practice as an orthopedic surgeon, and the firm accepts limited custody only for fee debits while using an institutional Schwab platform for custody and execution.