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Who We Are

We are your financial coaches, your accountability partners, and your advocates. We’re here to help empower you to make the right financial decisions to best impact you, your family, and your business.


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Meet the Team

Tim Gardner, Certified Financial Planner®

Tim is the founder of Gardner Financial Planning, LLC. with more than 20 years of experience as a financial advisor and planner.


After starting his career at Prudential Securities, he was inspired to start his own independent practice when he realized that taking a more personalized approach to helping others helps to garner true success. By taking the time to get to know his clients, Tim helps them define exactly what they’re trying to achieve, determines which investment strategies to target, and comes up with a plan to help make their dreams a reality.


Tim and his wife, Wendy, have been married happily for 48 years. When not at work, he enjoys spending time with his three children and three grandchildren, gardening at home during summer, making furniture in his wood shop in winter, and traveling no matter what the season.

Nichole Gardner, Financial Planner

Nichole has always been passionate about working with families. She spent 17 years working with children and teens at a public library before joining Gardner Financial Planning in 2015. She loves that her job now allows her to serve families in a different way.


Nichole has her Masters in Library and Information Science, holds a series 7 securities license, a series 66 advisory license and is a licensed insurance agent.


Her background in research support and her service-oriented philosophy have given her a strong foundation for innately understanding her clients’ needs. When she’s not helping families create a solid financial foundation for their dreams, you can find Nichole outdoors with her husband and two sons, crafting, or taking pictures.

Destiny Rivera, Office & Social Media Administrator

Destiny joined the Gardner Financial Planning team as the office administrator and social media coordinator in January 2021.


After attending the University of Delaware for Medical Laboratory Science, she pursued different opportunities that allowed her to work with the general public. These experiences helped her realize how much joy and energy she gets from helping others, and she is excited to bring this enthusiasm to her role at Gardner Financial Planning.


When she’s not working, Destiny loves traveling, keeping up on the latest makeup and fashion trends, reading, painting, and finding the world’s best burrito.

Why Us?

You can trust your advisor to be:

Take the Next Step Your path to financial freedom starts here.
  1. 1 Schedule A Consultation.

    We’ll get to know you and your financial objectives to figure out where to go from here.

  2. 2 Meet With Us.

    Together we’ll work towards a plan that is customized to your personal needs.

  3. 3 Move Toward Financial Success.

    As life changes, we’ll adjust your strategy to help match your new life situation.