Our Goal is to help you "Engineer Your Future" ^TM

Michael Garber Financial Planning was established to help people prepare for a more secure future by providing objective financial advice.  The firm integrates an engineering mindset with a caring approach, empowering clients to discover and gain control of the essentials of their financial future.

Whether you need help with a specific financial decision and no further commitment, or are seeking a long-term comprehensive relationship, you can use the firm's services as little or as much as desired.  Your interests come first, because the firm does not receive commissions or fees from third parties for the sale of investments or insurance.  This fee-only model is unique in the financial services industry, yet no different than other professionals such as attorneys, accountants or physicians.

Background and Qualifications:

Licensed by the State of California as a Registered Investment Adviser.  This requires completion of an examination covering economics, investing and the laws of securities and investment advice. 

NAPFA-Registered Financial Advisor.  This requires taking the fiduciary oath, submitting a financial plan for review, and continuing education.

CERTIFIED FINANCIAL PLANNER^TM Professional. This requires initial and continuing education in personal financial planning, passing the CFP® Board Exam, adherance to a code of ethics, and experience.

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

Prior to entering financial planning, I earned Master’s degrees in Electrical Engineering from Princeton University and Iowa State University,  and completed graduate minors in Economics and Statistics at Iowa State University. I have worked for several firms in high technology sales, marketing, management, consulting and executive roles.

Investment Philosophy:

Michael Garber Financial Planning 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:

The foundation of client relationships is based on respect and trust. Every person has unique dignity and worth. 

We encourage clients to achieve a healthier financial life. We are created for excellence and called to personal greatness.

By applying timeless principles, we can make plans to build and preserve wealth and a life of dignity, despite great uncertainty about the future.