DAVID E. GARDNER

BOULDER, CO

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CRD#: 5022709

Professional summary

DAVID EUGENE GARDNER, CFP® was a registered financial advisor .

DAVID is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2005. DAVID had worked at 5 firms and has passed the Series 65 exam.

Biography

Dave began his financial career in 2004 as a planner, helping advisors map out strategies for their clients. In 2007, he founded the fee-only comprehensive financial planning firm Yellowstone Financial, which later became Confluence Financial Advisors. Dave has been the personal finance columnist for the Boulder Daily Camera and other Colorado newspapers since 2008 with over 250 columns published. He is an adjunct faculty member at the University of Colorado Boulder, teaching the upper division Retirement Planning course in the Leeds School of Business.

Dave was president of the Alliance of Comprehensive Planners, a national group of independent, tax-focused financial planners. He has served as a trustee of the Boulder Valley Rotary Club foundation and as president of the Club in 2018-2019. He holds an undergraduate degree in Political Economy from the University of California, Berkeley with High Honors and was admitted to Phi Beta Kappa. Dave is married and lives in Boulder with his family including three sons, whom he vainly tries to keep up with on the local running trails. He is a CERTIFIED FINANCIAL PLANNERTM professional, is admitted to practice before the Internal Revenue Service, and holds a FINRA Series 65 License.

Question & Answer

What are your service offerings?

Tax Planning

Investment Planning

Insurance Planning

Comprehensive Financial Planni...

Retirement Planning

What is your minimum asset requirement?

Are you a "fiduciary"?

Yes

Aliases

None

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

I have written a personal financial column for the Boulder Daily Camera and other newspapers since 2008. I devote approximately 5 hrs a month to these duties.

Blog Corner

CRS (Client Relationship Summary)

The CRS(Customer Relationship Summary) document is not provided.

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

CFP^®

Certified Financial Planner

Start date: 2008

Experience

Current

October 23, 2025 - Present

BOULDER, CO

Past

April 1, 2019 - July 11, 2024

MERCER GLOBAL ADVISORS INC.

RIA

CRD#: 147363

Boulder, CO

Past

October 23, 2015 - March 31, 2020

CONFLUENCE FINANCIAL ADVISORS

RIA

CRD#: 281164

BOULDER, CO

Past

May 24, 2007 - January 4, 2016

YELLOWSTONE FINANCIAL, INC.

RIA

CRD#: 142802

BOULDER, CO

Past

August 24, 2005 - January 5, 2007

PROFESSIONAL FINANCIAL MANAGEMENT, INC.

RIA

CRD#: 118117

BOZEMAN, MT

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

Highlighted states indicate IAR registrations

IAR

Colorado
(10/23/2025)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.

Exams

State Security Law Exam

IAR

Series 65

Date: 8/6/2005

Uniform Investment Adviser Law Examination

Current firm

No current employment

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

Contact information

(xxx) xxx-xxxx

xxxxx@xxxx.xxx

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DAVID E. GARDNER

Professional summary

Biography

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary)

Certified licenses

Experience

MERCER GLOBAL ADVISORS INC.

CONFLUENCE FINANCIAL ADVISORS

YELLOWSTONE FINANCIAL, INC.

PROFESSIONAL FINANCIAL MANAGEMENT, INC.

State Registrations and Notice Filings

Exams

Series 65

Date: 8/6/2005

Current firm

No current employment

Red Flags

Company Information

No current employment

TRUST BUT VERIFY

Contact information

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