Our Team

	Kim M. Gardey, CFP®, Chairman and Chief Executive Officer of Gardey Financial Advisors, and a member of the Investment Committee, has spent all of his working life in the field of investment management and personal financial planning. He began his career in the Investment Department of the National Bank of Detroit. After four years, he joined Second National Bank of Saginaw where he was ultimately named a Senior Vice President and Senior Trust Officer. He left the bank in 1985 to establish his own investment counseling firm. In his position at Second National Bank, he headed the bank’s Trust Department; he also headed the Bank Investment Department wherein he was responsible for the management of the bank’s bond portfolio. Kim earned (with honors) his Bachelor’s Degree in Economics from the University of Michigan and a master’s degree in Economics from the University of California where he was named a Distinguished Scholar. He is a Certified Financial Planner™ professional. Kim also served on the faculties of Saginaw Valley State University and Delta College where he taught courses in Economics, Monetary Theory & Policy, and Investment Management. He is a member of The Institute of Certified Financial Planners, the CFA Institute, the CFA Society of Detroit, the American Economic Association, the Royal Economics Society, the National Association of Personal Financial Advisors (NAPFA), and is a member and past president of the Northeastern Michigan Estate Planning Council.
	Jonathan M. Gardey, CFA®, CFP®, President, Director of Research, and Chairman of the firm’s Investment Committee, is a graduate of the University of Wisconsin. He also earned a Master of Business Administration degree in Finance and in Money & Financial Markets from Columbia University, New York City. He is a Chartered Financial Analyst® charterholder and a Certified Financial Planner™ professional. Jon previously served as an officer in the U.S. Navy. He has been employed by Gardey Financial Advisors since 1993 and is a member of the CFA Institute, CFA Society of Detroit, and the Northeastern Michigan Estate Planning Council. He has participated in the work of the CFA Institute and in the analysis and evaluation of commercial real estate investments. He is a Registered Players Financial Advisor with the NFL Players Association and is authorized to provide financial and investment advice to its members.
	Garnet M. Sherman, CFP®, Executive Vice President, Financial Advisor, Director of the Divorce Financial Planning division of Gardey Financial Advisors, and a member of the Investment Committee, is a graduate of Kansas State University and has completed graduate work in Business and Finance. She has been employed by Gardey Financial Advisors since 1990 and is a Certified Financial Planner™ professional. She is a member and past president of the Northeastern Michigan Estate Planning Council and serves as a member of their board of directors. Garnet is also the current president of the Saginaw Bay Symphony Orchestra and a board member of the United Way of Saginaw County.
	Ashley M. Ciolek, IACCP^sm, Vice President of Operations and Chief Compliance Officer, is a graduate of Saginaw Valley State University where she earned her Bachelor of Business Administration degree. She has been employed by Gardey Financial Advisors since 1993 and is an Investment Advisor Certified Compliance Professional^sm.
	Robert M. Whiting, Vice President and Financial Advisor, is a member of the Investment Committee and holds a Bachelor of Business Administration degree from Northwood Institute. Bob has spent over 30 years in trust administration and investment planning. In 1973, he joined Second National Bank of Saginaw (now Citizens Bank) serving as Vice President and Trust Officer where he held senior management positions in the fields of business development, personal trust administration, and retirement plan administration. Prior to joining Gardey Financial Advisors in 2006, he held the position of First Vice President and Head of Personal Trusts at Chemical Bank and Trust in Midland, Michigan.
	Thomas R. Chisholm, CFP®, Financial Advisor and member of the Investment Committee, is a graduate of Saginaw Valley State University, summa cum laude, where he earned his Bachelor of Business Administration degree. Tom is a Certified Financial Planner™ professional, has worked in the investment field for over 24 years, and has taught courses in Finance at Saginaw Valley State University and has experience in real estate. Tom has been employed by Gardey Financial Advisors since 1997 and is a member of the Northeastern Michigan Estate Planning Council.
	Thomas J. Weadock, Vice President, spent 44 years as an independent insurance agent, including terms as President and CEO of Blanchet Weadock & Company and Executive Vice President of Saginaw Bay Underwriters. Tom’s main emphasis was providing property and casualty insurance products for businesses and personal customers. He has also been active in the placement of life and health insurance, employee benefits, and financial services (including mutual funds). For over ten years Tom also sold residential and commercial real estate and did real estate appraisals. He is responsible for developing individual and business customer relationships for the firm. He has been employed by Gardey Financial Advisors since 2003.