# Aaron Gardiner

> Aaron Gardiner is a fee-only financial advisor at Gardiner Financial in Wellesley, Massachusetts. Aaron charges hourly fees and an ongoing planning fee and focuses on physicians & residents, student loans and retirement planning.

Page: https://find.wellspent.co/advisors/aaron-gardiner/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Gardiner Financial
- **Based in:** Wellesley, Massachusetts
- **Fee model:** Hourly; Ongoing planning fee
- **Assets under management (firm):** $14.0M across 33 accounts
- **Specialties:** Physicians & residents, Student loans, Retirement planning, Tax planning
- **Works with:** Physicians
- **CRD:** 6735097 (https://adviserinfo.sec.gov/individual/summary/6735097)
- **SEC registration:** Investment adviser representative in MA
- **Exams passed:** Series 65 (2016)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** http://www.gardinerfinancial.com

## Frequently asked questions

### Is Aaron Gardiner a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Aaron holds no broker registration, and Gardiner Financial reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Aaron charge for financial advice?

Aaron charges hourly fees and an ongoing planning fee.

### Where is Aaron Gardiner based?

Aaron Gardiner is based in Wellesley, Massachusetts.

### What does Aaron specialize in?

Aaron's specialties include physicians & residents, student loans, retirement planning and tax planning. Aaron works with physicians.

### Is Aaron Gardiner registered with the SEC?

Yes. Aaron Gardiner is registered as an investment adviser representative in MA (CRD 6735097), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Gardiner Financial manage?

Gardiner Financial reports $14.0M across 33 accounts in assets under management.

### How do I contact Aaron Gardiner?

Through Aaron's website, www.gardinerfinancial.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6735097): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://www.gardinerfinancial.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.