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Mr. Gary P. Gardner

Mr. Gary P. Gardner

Life&Wealth Advisors, Inc.
(925) 937-7800
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professional profile

Year CFP® Certification Received

Planning Services Offered

  • Tax Planning
  • Comprehensive Financial Planning
  • Investment Planning
  • Retirement Planning
  • Retirement Income Management
  • Estate Planning

Your Minimum Investable Assets

  • $500,000


  • English


CFP Board Public Disciplinary History

Effective Date: 6/12/2018

In April 2018, CFP Board’s Disciplinary and Ethics Commission (Commission) issued an order in which Mr. Gardner received a Suspension of his right to use the CFP® certification marks for one year. The Commission issued its order after determining that Mr. Gardner: 1) failed to exercise reasonable and prudent professional judgment in providing professional services, failed to act in the interest of the client, engaged in conduct that reflects adversely on his integrity and fitness as a CFP® professional , upon the marks, and upon the profession, failed to make and/or implement only recommendations that are suitable for a client, and failed to make a reasonable investigation regarding the financial products recommended to client, when he recommended and sold a client unsuitable investments totaling approximately 55 percent of her net worth; 2) failed to consider sufficient and relevant alternatives to the client's current course of action in an effort to reasonably meet the client's goals, needs and priorities when he recommended and sold several risky, illiquid alternative investments to her, a risk-averse investor; 3) failed to communicate the recommendations in a manner and to an extent reasonably necessary to assist the client in making an informed decision when he failed to fully disclose the risks and illiquidity of alternative investments he recommended to her, resulting in her uninformed decision to invest in products that were unsuitable for her; 4) failed to select appropriate products and services that were consistent with the client's goals, needs and priorities when he recommended and sold several risky, illiquid alternative investments to her, a risk-averse investor; and 5) made false or misleading statements to CFP Board when he stated that he was not a “defendant or respondent in a civil action including, but not limited to, a lawsuit, arbitration or mediation” on his 2012 and 2014 CFP Board Renewal Applications when he was named as a respondent in a Financial Industry Regulatory Authority, Inc. (FINRA) Arbitration. The Commission determined that Mr. Gardner’s conduct violated Rules 201, 202, 607, and 703 of CFP Board’s Code of Ethics and Professional Responsibility and Financial Planning Practice Standards 400-1, 400-3, and 500-2, and provided grounds for discipline pursuant to Articles 3(A), 3(B) and 3(G) of CFP Board’s Disciplinary Rules and Procedures. Mr. Gardner’s suspension is effective from June 12, 2018 until June 12, 2019.

Disclosure Under CFP Board’s Prior Bankruptcy Disclosure Procedures
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Until June 30, 2020, CFP Board made public disclosures about CFP® professionals who had filed a personal or business bankruptcy. These were disclosures and not disciplinary actions or sanctions. These disclosures stay on CFP Board’s website for 10 years. There are more details below on this page.


Disclosure Information

CFP Board makes available information that a CFP® professional has provided about his or her practice. CFP Board also provides information about any CFP® professional that CFP Board has publicly disciplined or any professional who made a bankruptcy disclosure to CFP Board (more details about bankruptcy below). We cannot guarantee the information the CFP® professional has provided is accurate or complete. You should verify the accuracy of the information yourself.

While the information on this website may be useful to you, there may be more information from other sources you will need or want. Provided below are links to other sources of information about CFP® professionals that may be more recent or that may contain information that has not led to CFP Board discipline and does not appear on CFP Board’s website. The information may include customer disputes, disciplinary actions taken by a regulator or employer, certain criminal matters, and certain financial matters (such as bankruptcy proceedings and unpaid judgments or liens). The links provided below may provide additional information only if the CFP® professional is subject to the oversight of that regulator or SRO. If the CFP® professional is not subject to their oversight, then the link will not provide access to any additional information about that person.

  • You can find information about CFP® professionals who are subject to Financial Industry Regulatory Authority (FINRA) or Securities and Exchange Commission (SEC) oversight through FINRA’s BrokerCheck and the SEC’s Investment Adviser Public Disclosure databases. Both are free tools you can use to conduct research.
  • Visit your state securities regulator’s website for more information about brokers and investment advisers and your state insurance department website for more information about insurance professionals.
  • Visit the Office of the Comptroller of the Currency (OCC) website to search for enforcement actions against individuals who are subject to OCC oversight.
  • Conduct an Internet search on the CFP® professional’s name (and business name).

About Bankruptcies

Effective June 30, 2020, CFP Board may publicly sanction a CFP® professional for a personal or business bankruptcy that violates CFP Board’s Code of Ethics and Standards of Conduct. (There is no violation if the CFP® professional can make a case that the bankruptcy does not reflect on the professional’s ability to responsibly manage his or her own financial affairs or the financial affairs of the business.) You can find public sanctions in the “CFP Board Public Disciplinary History.” Under the “Prior Bankruptcy Disclosure Procedures” that applied from July 2012 – June 2020, CFP Board published information about a CFP® professional’s verified single bankruptcy in a press release and on CFP Board’s website. These were disclosures, not discipline or sanctions, and remain on CFP Board’s website for 10 years. You may learn more about the disclosure procedures here. You can learn more information about a bankruptcy filing at the U.S. Court’s website. You will be required to register and pay a nominal fee to view the information on that website.