Nicholas Gardner

REALIZE YOUR FINANCIAL POTENTIALClarity of purpose on a deliberate course — without this, one’s path is needlessly chaotic. As Certified Financial Planners® (CFPs™), the job at the Financial Team is to help business owners and individuals determine the necessary steps to realize their full financial potential. FINANCIAL CONFIDENCE AND PEACE OF MINDThe ultimate dream for many is a life free from financial concern. This goal rarely comes in an instant; rather it is achieved by taking many smaller steps to integrate and capitalize on every component within your financial life. The traditional “financial planning” model is broken, and those who still focus solely on investment recommendations subject their clients to undue risk.5-STAR WEALTH MANAGER AWARD – SAN DIEGO MAGAZINE, 5 YEARS RUNNINGWe believe that building your financial independence is done best by incorporating the skills of a client-centric team. Clients come to us for financial advice, but they stay for the relationship. The Financial Team’s institutional capabilities and service are tailored to each client’s unique set of needs and delivered in a boutique environment. YOUR SUCCESS IS OUR ONLY MISSIONAlong with our high-touch service for individuals, we offer sophisticated planning for business owners and qualified plans for their employees. Because we are a fee-for-service firm, we don’t have net worth or business size minimums to meet in order for us to have an appointment. We offer hourly consulting and project-fee arrangements for those who have a single event or concern they need addressed. We also provide portfolio management services and 401k programs under a percentage-of-assets model. By having a variety of options, you can get the financial advice and services you need using a compensation method that fits for your specific needs and budget. EMAIL US TODAY AT PLAN@FINANCIALTEAM.NET OR CONNECT ON LINKEDIN!KeywordsSpecialties: Risk Management, Tax Planning, ERISA, Behavioral Finance, Asset Protection, Profit Sharing, Financial Plan, Investment portfolio, Fee For Service, Cash Flow Management, Separately Managed Account, Investment Portfolio Management, Fee Only, 401(k) Plans, 403(b) plans, 457(b), Investment Advisory Services, Strategic Portfolio Management, Retirement Programs, Index Approach, Modern Portfolio Theory, Managed Portfolio, San Diego, Carlsbad, Nick