GG
CFP

Gary Paul Gardner

48 Years of Experience

Firm Information

Compensation
Fee-Only (AUM)Fixed/Hourly
Number of Advisors
70 advisors
Number of Clients
4,188 clients
Average Client Portfolio
$623K average
Assets Under Management
$2.6B

Fee Structure

Financial Plan Fee:$0 - $15,000
Hourly Rate:$125 - $500/hr

Fees vary depending on the service. UMA and asset management fees range from 0.50% to 2.00% annually, depending on account size and complexity. Financial planning fees are hourly ($125-$500) or fixed (typically $0-$15,000, but can exceed $100,000). Financial consulting fees range from $500 to $4,000 per year. Tax preparation fees are determined on a case-by-case basis. Back-office services are negotiable. Trading costs range from 0.02% to 0.15%. Flourish Cash has a 0.25% service fee. Fees are negotiable and can be higher or lower than the stated ranges.

Areas of Practice
Retirement PlanningTax PlanningEstate PlanningCharitable GivingFinancial Planning & CoachingInvestment Management
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Advisor Information

Office location

1399 Ygnacio Valley Blvd., Suite 29, Walnut Creek, CA, 94598

Get directions
Regulatory History (2)
What are disclosures? Advisors must report customer complaints, regulatory actions, and certain legal or financial events to the SEC. Not all disclosures are serious—many are settled disputes or minor violations. Learn how to evaluate them.
Customer Dispute
June 2010
Award / Judgment
Customer Dispute
May 1989
Settled
Other Business Activities

Gary is an owner of Life & Wealth Advisors, a registered investment advisory firm. He spends nearly full-time on this business, with most of the time during trading hours.

Employment History
Current Registrations
Oneascent Financial Services LLC
January 2025 - Present · 1 yr
Previous Registrations
Life&wealth Advisors, INC.
May 2005 - March 2025 · 19 yrs 10 mos
Chauner Securities, INC.Broker
May 2002 - November 2024 · 22 yrs 6 mos
Legacy Wealth Advisors, LLC
August 2000 - April 2006 · 5 yrs 8 mos
Unison Capital GroupBroker
December 1998 - January 2002 · 3 yrs 1 mo
American Investors Company Broker
January 1992 - December 1998 · 6 yrs 11 mos
Patterson Financial Services, INC.Broker
April 1984 - December 1991 · 7 yrs 8 mos
Financial Planners Equity CorporationBroker
August 1980 - March 1984 · 3 yrs 7 mos
American Investors Company Broker
June 1978 - December 1979 · 1 yr 6 mos
Interpacific Investors Services, INC.Broker
June 1976 - June 1978 · 2 yrs
Dave Fries and AssociatesBroker
May 1976 - July 1976 · 2 mos
State Registrations1 state
CA
Advisor
Exams
No exam information available for this advisor.