Background and Qualifications:

Licensed by the State of California as a Registered Investment Adviser.  Holds the NASD Series 65 Securities license.

Candidate for the CERTIFIED FINANCIAL PLANNER(tm) designation. 

Lives in the Silicon Valley, and understands the unique challenges confronting families in this area, particularly achieving balance between work and home life.

Member of the National Association of Personal Financial Advisers, and the Financial Planning Association. 

Bachelor’s and master’s degrees in Electrical Engineering, with graduate minors in Economics and Statistics. Experience in high technology sales and marketing, management and executive roles.

Financial Planning Practices:

Strictly Fee-Only: Michael Garber Consulting Services receives no compensation, product, research or services from any third parties in exchange for recommendations. 

Michael Garber Consulting Services subscribes to the NAPFA FIDUCIARY OATH:

I shall always act in good faith and with candor.
* I shall be proactive in my disclosure of any conflicts of interest that may impact a client.
* I shall not accept any referral fees or compensation that is contingent upon the purchase or sale of a financial product.

Investment Philosophy:

Michael Garber Consulting Services generally recommends a passive investment approach  to achieve the following benefits: lower portfolio turnover, lower operating expenses and transaction costs, greater tax efficiency and a long-term perspective

Values and Outlook:

Every person has unique dignity and worth. We are created for excellence and called to personal greatness.

Each of us has the responsibility to create an abundance in our lives, both for ourselves and for those around us. 

We live in times filled with opportunity and fraught with risk. We do not know the future, but we can make good plans for what lies ahead.