# Linda Gardner

> Linda Gardner is a fee-only financial advisor at Blue Heron Capital in Englewood, Colorado. Linda focuses on retirement planning, tax planning and estate & legacy planning. Blue Heron Capital reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

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

## Facts

- **Firm:** Blue Heron Capital
- **Based in:** Englewood, Colorado
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $102.2M across 542 accounts
- **Specialties:** Retirement planning, Tax planning, Estate & legacy planning
- **Works with:** Retirees, Pre-retirees
- **CRD:** 5116107 (https://adviserinfo.sec.gov/individual/summary/5116107)
- **SEC registration:** Investment adviser representative in CO, TX
- **Exams passed:** Series 65 (2011)
- **Firm size:** 8 employees
- **Disclosures:** None reported
- **Website:** https://yourmoneyyourretirement.com/

## Frequently asked questions

### Is Linda Gardner a fee-only financial advisor?

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

### How does Linda charge for financial advice?

Linda's firm, Blue Heron Capital, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Linda Gardner based?

Linda Gardner is based in Englewood, Colorado.

### What does Linda specialize in?

Linda's specialties include retirement planning, tax planning and estate & legacy planning. Linda works with retirees and pre-retirees.

### Is Linda Gardner registered with the SEC?

Yes. Linda Gardner is registered as an investment adviser representative in CO and TX (CRD 5116107), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Blue Heron Capital manage?

Blue Heron Capital reports $102.2M across 542 accounts in assets under management.

### How do I contact Linda Gardner?

Through Linda's website, yourmoneyyourretirement.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/5116107): 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://yourmoneyyourretirement.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.