1. Annual Financial Check Up

    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

  2. Looking Back At 2019

    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

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

    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

  4. Qualified Charitable Distributions

    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

  5. Do Your Investments Match Your Risk Tolerance?

    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

  6. Social Security Scam

    How Social Security Scammers Tried to Swindle a Fraud Expert Here's how fraudsters try to trick you into handing over your cash By Doug Shadel, AARP, March 22, 2019 Among the hottest telephone scams in the United States right now is the “Someone Stole Your Social Security Number” ploy. This past December the Federal Trade Commission issued a warning about the fraud, noting the agency had alrea…Read More

  7. Making Investment Decisions”

    Making Investment Decisions Are your choices based on evidence or emotion? Provided by Jonathan M. Gardey Information vs. instinct. When it comes to investing, many people believe they have a “knack” for choosing good investments. But what exactly is that “knack” based on? The fact is, the choices we make with our assets can be strongly influenced by factors, many of them emotional, that w…Read More

  8. Annuities Commentary by Kim Gardey

    Kim Gardey founded Gardey Financial Advisors over 33 years ago.  One of his goals in founding the company was to educate his clients so they would be able to make better financial decisions for themselves.  While he no longer leads Gardey Financial Advisors, he continues to work toward his original goal of educating our clients. He has authored the following piece regarding Annuities that I am s…Read More

  9. Happy New Year 2018 Recap

      Happy New Year! With the start of each New Year we like to take a look back and a look forward into the world of investing. 2018 Recap The U.S. economy demonstrated strength throughout 2018. It grew at a rate of 3.4% for the first nine months, its strongest performance since 2005. Unemployment dropped to levels not seen since 2000 and inflation remained under control. But this economic strength…Read More

  10. Supporting Local Charities

    ONE BUSINESS' STORY: SUPPORTING LOCAL CHARITIES In 1985, Kim Gardey established what is now known as Gardey Financial Advisors. Kim and his wife, Barbara, started the business out of their home. Gardey Financial Advisors has grown to a staff of 18 and has over 300 years of combined financial experience. Gardey Financial Advisors serves clients in 16 states from their Saginaw, MI office. Years ago,…Read More