We offer services to encompass all of your financial needs.
Kim M. Gardey - Founder and Honorary Chairman
Kim has devoted his life working in investment management and personal finance, and built what is now known as Gardey Financial Advisors around the principles of honesty, integrity, and reliable financial planning. He is a Certified Financial Planner™ (CFP®) professional.
Kim is passionate about investment management and personal financial planning, and he has spent decades learning about and working in the field. He graduated with honors from the University of Michigan with a Bachelor’s Degree in Economics, and earned his Master’s Degree from the University of California at Berkley as a Distinguished Scholar. Kim’s working career in finance began in the Investment Department of the National Bank of Detroit. He later moved to the Second National Bank of Saginaw and rose to the rank of Senior Vice President and Senior Trust Officer, where he headed the Trust Department and the Bank Investment Department. In 1985, he took his cumulative experience and education and formed his own investment management and financial planning firm, what is now known as Gardey Financial Advisors.
Teaching Economics, Monetary Theory and Policy, and Investment Management at Saginaw Valley State University and Delta College, Kim has shared his knowledge and experience. Kim is a member and past president of the Northeastern Michigan Estate Planning Council, and he is involved in many prominent financial organizations, including The Institute of Certified Financial Planners, the CFA Institute, the Financial Planning Association, the CFA Society of Detroit, the American Economic Association, the Royal Economics Society, and the National Association of Personal Financial Advisors (NAPFA).
Kim M. Gardey
Founder and Honorary Chairman
Before he joined the firm in 1993, Jon learned leadership, discipline, and responsibility from six years in the US Navy. Jon served on an aircraft carrier in the Indian Ocean and was Chief Engineer on a high-speed hydrofoil in the Caribbean.
Prior to his Naval service, Jon’s academic career began at the University of Wisconsin. When he returned from the Navy, he continued his studies and earned a MBA in both Finance and Money and Financial Markets from Columbia University in the City of New York.
Following a successful military service career and graduate studies, Jon pursued a career in finance and gained the designations of Chartered Financial Analyst (CFA®) charterholder and Certified Financial Planner™ (CFP®) professional. This knowledge and years of experience has made Jon a valuable team player as well as a leader and trusted professional.
In his 25+ year career with Gardey Financial Advisors, Jon has worn and continues to wear many hats. In addition to his duties as President and CEO, he is also a Financial Advisor, the Director of Research, and Chairman of the Investment Committee.
Jon brings his knowledge, experience and leadership skills to a number of key institutions in his field and he is also an active member of his community. He is a Past-President of the Northeastern Michigan Estate Planning Council, a member advisor of the National Association of Personal Financial Advisors (NAPFA), the CFA Institute, and the CFA Society of Detroit. Jon is a member of the Board of Directors at financial, educational, and private enterprises, including Covenant Healthcare System, Delta College Endowment Fund Investment Advisory Committee, Stevens Center for Family Business at Saginaw Valley State University, and Central Equity Investments Incorporated.
Jon lives in Thomas Township with his wife and two son’s. He also has two daughters. His oldest daughter is married and has a career as a Medical Laboratory Technician and his other daughter is a senior at Central Michigan University. He enjoys spending time with his children and others, serving as Treasurer of his son’s Boy Scout Troop, is an assistant coach for his youngest son’s football team, and he is a member of the stick crew for the Swan Valley High School Varsity Football Team. In his spare time he has earned a black belt in Tae Kwon Do and enjoys sailing.
Jonathan M. Gardey
President & Chief Executive Officer
Ashley M. Ciolek - Chief Compliance Officer, Vice President of Operations
Ashley M. Ciolek joined the firm in 1993. She earned a Bachelor of Business Administration degree from Saginaw Valley State University, while working at Gardey Financial Advisors. Ashley continued her education and became certified as an Investment Adviser Certified Compliance Professional (IACCP®) and a Risk Management Specialist.
There are 911 IACCP® designees in the United States. Ashley is one of only 21 people in Michigan to earn this designation.
Ashley’s knowledge, skill, dedication, and leadership abilities make her an exceptional member of the Gardey Financial Advisor’s Team. Ashley has worked in many areas of the business, giving her a depth of knowledge and experience that is very beneficial to both clients and co-workers. As Chief Operating Officer, Ashley runs the firm’s daily operations in addition to her compliance responsibilities.
Ashley lives in Freeland with her son and their two pets. Besides spending time with her family and friends, Ashley enjoys shopping, traveling, reading, and golfing.
Ashley M. Ciolek
Chief Operating Officer,Chief Compliance Officer
Cheri B. Gardey- Business Development Officer
Cheri Gardey joined the firm in September of 2016. She is a graduate of the University of Wisconsin at Madison with a Bachelor of Science in Dairy Science with a business minor.
She has extensive experience in property management and retail sales. In addition, she holds a Diamonds and Diamond Grading Certificate from the Gemological Institute of America in New York City.
Cheri is married to Jon Gardey, the firm’s President and Chief Executive Officer. She has kept busy with property management and their children’s schools, church, and scouting activities. Cheri has served as a soccer coach, a Cub Scout Cub Master, and a Sunday school teacher. In her spare time, she enjoys following the Green Bay Packers and the University of Wisconsin Badgers football teams. She also loves to read, garden, and spend time with the family up north.