# Ben Gajardo

> Ben Gajardo is a fee-only financial advisor at Gajardo Wealth Management in American Fork, Utah, who holds the CFP credential. Ben focuses on retirement planning, small business owners and physicians & residents. Gajardo Wealth Management reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/ben-gajardo/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Gajardo Wealth Management
- **Based in:** American Fork, Utah
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $7.2M across 96 accounts
- **Credentials:** CFP
- **Specialties:** Retirement planning, Small business owners, Physicians & residents
- **Works with:** Retirees, Pre-retirees, Physicians, Founders
- **CRD:** 7464016 (https://adviserinfo.sec.gov/individual/summary/7464016)
- **SEC registration:** Investment adviser representative in NV, UT
- **Exams passed:** Series 65 (2022)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://gajardowealth.com

## Frequently asked questions

### Is Ben Gajardo a fee-only financial advisor?

Yes. Ben Gajardo is listed in the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Ben's firm.

### How does Ben charge for financial advice?

Ben's firm, Gajardo Wealth Management, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Ben Gajardo based?

Ben Gajardo is based in American Fork, Utah.

### What does Ben specialize in?

Ben's specialties include retirement planning, small business owners and physicians & residents. Ben works with retirees, pre-retirees, physicians and founders.

### What credentials does Ben Gajardo hold?

Ben Gajardo holds the CFP credential.

### Is Ben Gajardo registered with the SEC?

Yes. Ben Gajardo is registered as an investment adviser representative in NV and UT (CRD 7464016), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Gajardo Wealth Management manage?

Gajardo Wealth Management reports $7.2M across 96 accounts in assets under management.

### How do I contact Ben Gajardo?

Through Ben's website, gajardowealth.com.

## Sources

- XY Planning Network directory listing (https://www.xyplanningnetwork.com/find-an-advisor/ben-gajardo-99609): XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://www.gajardowealth.com/): specialties, clients served, and fees, checked October 28, 2026

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