A path to a different kind of financial life.
Tax-Smart, Fee-Only Planning for More Freedom
Thoughtful tax planning, disciplined investing, and clear advice for entrepreneurs, professionals, and families seeking financial independence, greater flexibility, and the confidence to choose what comes next.
David Gardner, CFP®, EA
Independent. Fiduciary. Based in Boulder, Colorado.
20+ Years Experience | Fee-Only Fiduciary | NAPFA Member
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Personal finance columnist since 2008
Comprehensive Wealth & Tax Planning
Fiduciary investment management and proactive tax planning for entrepreneurs and professionals who are building, transitioning, or designing what comes next.
Business Planning
Comprehensive financial strategies for entrepreneurs who value both growth and freedom. From optimizing business retirement plans and distributions to continuity planning, I design the structures intended to help your company remain a high-performing asset that supports your life.
Sabbatical Planning
Planning a prolonged break requires a high-stakes financial roadmap. I specialize in the 'Pre-Departure' phase, modeling your cash-flow runway and ensuring your US assets are optimized for your absence.
Specialized Guidance for the Intentional Path
As an entrepreneur who understands the complexity of balancing a career with the desire for independence, I recognize the friction that comes with designing a life outside the standard 9-to-5. Whether you are scaling a business, navigating financial independence, or planning for an extended sabbatical, I provide the clarity you need to simplify your financial life.
I am a fee-only fiduciary. I don't sell products or receive commissions, so my advice is objective and focused solely on your best interest. You get a partner who understands the nuances of the 'entrepreneurial adventure'—and the technical expertise to manage the roadmap.
Ready to Get Started?
Curious if we're a fit? Let's talk for 30 minutes — no pressure, no pitch.
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