Michael Garber Financial Planning fees and pricing
Financial planner in Gilroy, California. Registered with state securities regulators.
According to its Form ADV Part 2A brochure dated January 2, 2026, Michael Garber Financial Planning charges $350 an hour and an annual fee of $4,000-$25,000 for financial planning.
Published fees
Quoted from the firm's Form ADV Part 2A brochure, filed January 2, 2026. Fees can change, so confirm with the firm before you hire them.
- Hourly rate
- $350/hr
“A fixed fee is quoted based on an hourly rate of $350 per hour for specific project requests.”
- Annual fee
- $4,000-$25,000/yr
“Open Retainer Initial Year of Open Retainer: $7,500 to $25,000 Renewal Years of Open Retainer: $4,000 to $25,000 Fees are calculated annually and payable quarterly, in advance.”
Read the full brochure (PDF) (opens in new tab)SEC adviser record (opens in new tab)
How Michael Garber Financial Planning bills
Payment and refund terms, quoted from the fee section of the brochure.
- “Retainers are paid with up to $500 due at the beginning of the engagement and the remainder upon completion.”
- “In no event will Adviser collect more than $500.00 more than six months in advance from any client.”
- “Any fees that have been earned but not yet paid by Client will be due and payable.”
How Michael Garber Financial Planning’s fees compare
- Its hourly rate of $350 is above the California median of $300. 58% of the 932 other California planners that publish an hourly rate charge less.
- Its annual fee of $4,000-$25,000 spans the California median of $6,250. 81% of the 224 other California planners that publish an annual fee charge less.
- It doesn't charge a percentage of the assets it manages, so its fee won't grow with your portfolio.
About Michael Garber Financial Planning
“Michael Garber Financial Planning distinguishes itself from traditional investment advisory firms by providing services to meet your investment needs, as well as tax planning and preparation, estate planning, risk management, retirement planning, and business development needs.”
- Solo practice: one person runs the firm, so you work directly with the planner.
- Credentials named in the brochure: CFP®.
- Registered as an adviser: 2005 (21 years).
Planning areas mentioned in the brochure
- Retirement planning
- Tax planning
- Estate planning
- Cash flow and budgeting
Firm details from Form ADV
- How the firm is paid
- Hourly fees, fixed or flat fees
- Charges a % of assets
- No
- Employees
- 1
- Services reported to regulators
- Financial planning
- Registered with
- State securities regulators
- Disciplinary disclosures
- None reported
- SEC CRD number
- 133943
- Phone
- (650) 492-3616
Other planners in California that publish fees
- 10/28 Wealth Management LLCOceanside$300/hr, $500-$10,000
- 360DividendsGranite Bay$300/hr, $2,500-$10,000
- 3D Holistic WealthIrvine$300/hr, $1,500-$10,000
- 401 FinancialSan Diego$250/hr, $500
- 5T Wealth, LLCNapa$200-$450/hr
- 7 Streets Financial, LLCSan Diego$100-$400/hr, Up to $15,000
Is something on this page wrong or out of date? Email corrections@plannerfees.com and PlannerFees will check it against the firm's latest filing.