Articles

  1. February 2021 Newsletter

    Date Published:
    Categories:

    Have you considered developing a budget and why a budget is important for your personal finances? Budgeting isn’t just for those on a limited income. Creating and sticking to a budget is a worthwhile exercise to achieve financial success, no matter how much money is being managed. Essentially, budgeting is making realistic decisions about how and where you will allocate your income to cover your…Read More

  2. Gardey News

    Date Published:
    Categories:

    Gardey Financial Advisors is proud to congratulate Melissa Seamon on reaching the 20  year milestone with the firm.  Melissa is a Certified Financial Planner™ CFP® professional and has been with Gardey  Financial Advisors since 2001. Melissa graduated cum laude from Saginaw Valley State  University with a Bachelor of Business Administration degree in 1999 and in 2006  earned her Certified …Read More

  3. Gardey Financial Advisors Announces New Staff Member

    Date Published:
    Categories:

    Gardey Financial Advisors is proud to announce that Alexis Gardey recently joined our team as a full time Assistant Client Service Associate. Alexis will provide full time support to our Client Service Associates, Mary Chavalia and Brianna Campos. Alexis recently graduated, with honors, from Central Michigan University with a Bachelor of Applied Arts degree concentrated in Recreation and Event Man…Read More

  4. January 2021 Newsletter

    Date Published:
    Categories:

    Written by: Melissa Seamon Property Fraud Scam Description and Prevention Tips According to the FBI, property fraud is one of the fastest growing white collar crimes in the United States. Property fraud is the recording of a fraudulent document with the county register of deeds making it appear your home or land has been transferred to the ownership of someone else. A property fraud scam looks som…Read More

  5. Annual Financial Check Up

    Date Published:
    Categories:

    ANNUAL FINANCIAL CHECK-UP Gardey Financial Advisors  INCOME / SPENDING  □ Review Budget  □ Review Employee Benefits  □ Prepare / File Tax Returns – Evaluate Subsequent Year Tax Strategies  □ Consider Refinancing Mortgage / Other Loans  □ Review Annual Gifting  SAVINGS □ Review Contributions to Retirement Accounts (401(k), 403(b), IRA, ROTH IRA,  etc)  □ Review Emergency Fu…Read More

  6. Gardey Financial Advisors Announces Promotion

    Date Published:
    Categories:

    Gardey Financial Advisors proudly announces that Ashley M. Ciolek (Gasta), the firm’s Chief Compliance Officer and Vice President of Operations has been promoted to Chief Operating Officer (COO). Ashley M. Ciolek joined the firm in 1993 as an intern.  She earned a Bachelor of Business Administration degree from Saginaw Valley State University, while working at Gardey Financial Advisors.  Ashle…Read More

  7. Looking Back At 2019

    Date Published:
    Categories:

    The end of a year is the traditional time to reflect back on the past year and to contemplate on the year to come. LOOKING BACK AT 2019 It was a very interesting year.  All eyes were on the US economy during 2019.  The unemployment rate declined from 4.0% to 3.5% through the year which is around the lowest rate in 50 years.  The economy grew at an estimated real rate of 2.3% which is a decline …Read More

  8. Veteran’s Day Observed and The Gift Tax Case Study

    Date Published:
    Categories:

    Veterans Day Observed On November 11th it will be Veterans Day – an occasion to honor all those who have served for our country. It is a day to thank millions of veterans for their service and their bravery – men and women willing to risk all to protect America. We thank our nation’s veterans this November 11th. The service of these Americans has helped make this country extraordinary. Since…Read More

  9. Qualified Charitable Distributions

    Date Published:
    Categories:

    Qualified Charitable Distributions When you reach age 70½, there can be a new way of giving. Provided by Gardey Financial Advisors As the owner of a traditional IRA, you are likely aware that you are obligated to make required minimum distributions (RMDs) once you reach age 70½. However, you may not be aware that the RMD can be taken in the form of a qualified charitable distribution (QCD), wher…Read More

  10. Do Your Investments Match Your Risk Tolerance?

    Date Published:
    Categories:

    Do Your Investments Match Your Risk Tolerance? When was the last time you looked at the contents of your portfolio? Provided by Gardey Financial Advisors It is a good idea, from time to time to review how your portfolio assets are allocated, in other words how they are divided among asset classes or diversified. At the inception of your investment strategy, your target asset allocations reflect yo…Read More