# Michael Garber

> Michael Garber is a fee-only financial advisor at Michael Garber Financial Planning in Cupertino, California, who holds the CFP, CRTP and MSEE credentials. Michael charges a flat fee or retainer and an ongoing planning fee (no asset minimum) and focuses on equity compensation, tax planning and estate & legacy planning.

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

## Facts

- **Firm:** Michael Garber Financial Planning
- **Based in:** Cupertino, California
- **Fee model:** Flat fee or retainer; Ongoing planning fee
- **Fees (firm's website):** no asset minimum
- **Accepting new clients:** Yes (firm's website)
- **Credentials:** CFP, CRTP, MSEE
- **Specialties:** Equity compensation, Tax planning, Estate & legacy planning
- **Works with:** Tech employees
- **CRD:** 4908320 (https://adviserinfo.sec.gov/individual/summary/4908320)
- **SEC registration:** Investment adviser representative in CA, TX
- **Exams passed:** Series 65 (2004)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** http://michaelgarber.com

## Frequently asked questions

### Is Michael Garber a fee-only financial advisor?

Yes. Michael Garber is listed in the NAPFA directory (NAPFA admits only fee-only advisors). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Michael's firm.

### How does Michael charge for financial advice?

Michael charges a flat fee or retainer and an ongoing planning fee.

### How much does Michael charge?

According to Michael Garber Financial Planning's website, checked October 28, 2026: no asset minimum.

### Where is Michael Garber based?

Michael Garber is based in Cupertino, California.

### What does Michael specialize in?

Michael's specialties include equity compensation, tax planning and estate & legacy planning. Michael works with tech employees.

### What credentials does Michael Garber hold?

Michael Garber holds the CFP, CRTP and MSEE credentials.

### Is Michael Garber registered with the SEC?

Yes. Michael Garber is registered as an investment adviser representative in CA and TX (CRD 4908320), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How do I contact Michael Garber?

Through Michael's website, michaelgarber.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/5457): NAPFA admits only fee-only advisors
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://michaelgarber.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.