Gardiner Financial is a fee-only registered investment advisor based in Wellesley, Massachusetts, offering tailored investment management and comprehensive financial planning services to individuals and high net-worth individuals. Founded in 2016 and led by Aaron Gardiner, the firm primarily practices passive investment management using low-cost index mutual funds and exchange-traded funds aligned with each client's specific investment policy statement and risk tolerance. In addition to portfolio management, Gardiner Financial provides comprehensive financial planning covering retirement, cash flow and debt management, college savings, employee benefits, estate planning, insurance analysis, and tax strategies, as well as specialized student loan optimization.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $100K | 0.90% |
| $100K - $250K | 0.80% |
| $250K - $500K | 0.70% |
| $500K - $1.0M | 0.60% |
| $1M+ | 0.50% |
Fees are negotiable and calculated as a blended rate across tiers. Billed monthly or quarterly in arrears.