Garner Financial Management
3595 Mount Diablo Boulevard
Suite 290
Lafayette, CA 94549
About Us
Garner Financial Management was founded with one (1) very important and underlying mission:
To help improve and enrich the quality of life of our clients!
We realize there is more to life than money. You have worked hard to get where you are today. However there is a long way to go and a future to plan for. Regardless of where you are in life, we can help.
Our hope is to inspire you to make confident and prudent decisions for your financial future. It is our priority to understand you and the unique financial goals you want to achieve.
Garner Financial Management believes that trust is the foundation of a successful investment management relationship. Every decision and recommendation we make is approached with the intent of securing your trust and confidence. We emphasize putting your interests ahead of our own, basing recommendations solely on your needs and objectives.
We work hard to make your goals a reality. We take pride in and place great value upon building long-term relationships.
How We Work
Our Fee-Only structure is specifically designed to avoid conflicts of interest. As an Independent Advisor we utilize no proprietary investment products, and are free to select from all available investments.
This investment process allows us to both identify the most appropriate investment strategy, and to focus on helping you attain your long-term financial goals.
Our investment management relationships begin with in-depth discussions regarding investment objectives, risk tolerance, income needs and other financial considerations that could impact our investment approach. We work closely with you to construct portfolios designed to meet objectives and to accommodate individual situations.
We adhere to two (2) key investment strategies that we believe are fundamental to achieving financial success:
- Discipline and Diversification
We are a multi-asset class manager and encourage diversification to enhance risk-adjusted returns. Our investments span a variety of asset types, market capitalization’s, countries and strategies.
Our role is to create the appropriate structure of investment elements to afford growth opportunity in line with your goals and needs, and to identify appropriate sector managers and financial instruments for the portfolio’s composition.
Each investment is selected and continuously evaluated using a screening process that examines both the individual investment’s fundamentals as well as its integrated role within the overall portfolio composition.
Our Services
- Objective Setting and Investment Policy - We help you define appropriate investment goals and objectives given your investment time horizon and risk preferences.
- Portfolio Strategy and Design - We use asset allocation and diversification to create customized portfolios intended to maximize returns and reduce risk.
- Monitoring of Investment Performance and Portfolio Rebalancing - Each component of the portfolio is continuously evaluated for performance versus benchmarks and for the corresponding relationship within the overall portfolio. Portfolios are rebalanced to the approved asset allocation as needed, taking into account the dynamic structure of the markets.
- Performance Reporting - All clients receive a monthly statement from the portfolio’s custodian, plus a quarterly report generated by Garner Financial Management. Clients may also obtain account information at any time from within our website.
- Fees - As a member of NAPFA, the organization of Fee-Only financial advisors, all services are performed on a fee-only basis. The asset management fee is based upon a percentage of the assets under management, and is billed quarterly, in advance. Comprehensive financial planning and short-term projects will be completed on a project basis or an hourly basis, when appropriate.
Rob Garner
Rob Garner is the founder and president of Garner Financial Management. With more than 15 years experience in managing client assets, Rob is a NAPFA Registered Financial Advisor, a highly selective professional organization of Fee-Only investment advisors.
Rob is also a member of the Financial Planning Association (FPA), an organization of investment professionals who demonstrate a commitment to the highest standards in ethics and professional conduct.
Rob is a Chartered Mutual Fund Counselor (CMFC) and a Chartered Retirement Planning Counselor (CRPC), both designations earned from the College for Financial Planning in Denver, Colorado. He also completed the financial planning professional education program from the College for Financial Planning and has earned the Series 7 and 63 licenses from the National Association of Securities Dealers.
Rob currently serves as the appointed City Treasurer for his hometown of Orinda, California, is a Trustee of the Alta Bates Summit Hospital Foundation, and serves as the Chairman of the Investment Committee for the Alta Bates Summit Hospital Foundation.
Rob received his Bachelor of Arts (B.A.) degree from the University of California at Berkeley.
NAPFA: The National Association of Personal Financial Advisors is the nation’s leading organization of Fee-Only comprehensive financial planning professionals.
Please be aware that Garner Financial Management has a portfolio minimum of $250,000 to accept inquiries through this directory.
