About Us

A confluence is the coming together, the convergence of two separate entities to create one greater and more powerful than either is alone. At Confluence Financial Advisors, our relationship with you is a partnership that leverages our knowledge and expertise to maximize your enjoyment of your wealth today, tomorrow, and beyond.



We’re Hiring!

We are looking for a new Office Manager. Click HERE  for more information.

Dave Garner
Founding Partner

David Gardner, CFP®, EA

Professional Qualifications:

  • Certified Financial Planner
  • Personal Finance Columnist for the Boulder Daily Camera
  • Member of the Alliance of Comprehensive Planners
  • NAPFA-Registered Personal Financial Advisor
  • Admitted to practice before the Internal Revenue Service


  • B.A. Political Economy, University of California, Berkeley with High Honors and election to Phi Beta Kappa
  • M.S. University of Colorado, Boulder
  • CFP® Certificate Program, College of Financial Planning, Denver, CO

Community Activities:

  • ​Adjunct Faculty, University of Colorado Leeds School of Business
  • Former President of the Alliance of Comprehensive Planners
  • President-elect and Board Member of Boulder Valley Rotary Club
  • Trustee of Boulder Valley Rotary Foundation
  • Past Treasurer of the High Peaks Elementary School PTO
  • Eight-time (and counting) soccer and cross-country coach and volunteer math teacher for local youth

After several years of working with other financial planners, Dave opened his own comprehensive financial planning practice to help people realize their financial dreams.

Dave has been profiled in the Wall Street Journal online and quoted by Business Week and other financial publications.  He has been the personal finance columnist for the Daily Camera and other newspapers since 2008 with over 150 columns published.

Dave lives in Boulder with his wife and three young boys, and is an avid trail runner, hiker, and skier.

Email: dave@confluencefa.com

Judy McNary
Founding Partner

Judy McNary, CFP®, MBA

Professional Qualifications:

  • Certified Financial Planner
  • Member of the Alliance of Comprehensive Planners
  • NAPFA-Registered Personal Financial Advisor
  • Member of the Financial Planning Association
  • Author of Coin: The Irreverent Yet Practical Guide to Money Management for Recent College Graduates.


  • B.A. Economics/Computer Science, University of Colorado, Boulder
  • MBA/Finance, University of Colorado, Boulder
  • M.S. Personal Financial Planning, College of Financial Planning, Greenwood Village, CO

Community Activities:

  • ​Adjunct Faculty, University of Colorado Leeds School of Business
  • Mentor for the Professional Mentorship Program and member of the Women’s Council, Leeds School of Business, University of Colorado, Boulder
  • Mentor, Alliance of Comprehensive Planners
  • PADI Scuba Instructor
  • Board of Directors, Ocean First Institute
  • 15 year member of the volunteer scuba dive team for The Downtown Aquarium in Denver

Judy transitioned to financial planning after a successful career in high technology. She co-founded two software companies; highlights include being profiled by Entrepreneur Magazine and earning a ‘Best of COMDEX’ award for innovation. A poor experience with a financial advisor combined with a desire to help others led her to fee-only financial planning. Upon earning her master’s degree in the field and completing training through the Alliance of Comprehensive Planners, she opened her own firm in 2007 to serve families, individuals, and entrepreneurs.

Judy was one of seven financial coaches selected after a nationwide search for The Invested Life, a reality series produced by MSN Money. The series featured real people facing today’s most common money concerns and followed them on their journeys as they took control of their finances. She has been profiled in the Wall Street Journal and contributes regularly to the newspaper as well as US News and World Report, Kiplinger’s, MONEY Magazine, and other financial publications. Judy writes articles on personal finance for UniversityParent and CoinInTheBank.

Judy has been married 35 years. Together she and her husband, Scott, have a daughter and twin sons. When not at work, she tries to be skiing, swimming, or scuba diving.

Email: judy@confluencefa.com

Tom McNary
Associate Financial Advisor

Tom McNary

Professional Qualifications:

  • Series 65 License
  • Accredited Asset Management Specialist


  • B.A. History/Business, University of Colorado Boulder

Community Activities:

  • Community Outreach Volunteer, Global Volunteer Network, Gisenyi, Rwanda
  • Assistant Instructor, National Center for Disabled Skiing, Winter Park, CO

Tom supports the firm’s partners in all aspects of client relations from preparation for meetings to follow up with Schwab or Shareholder Services Group, and everything in between.

Tom enjoys soccer, hiking, snowboarding, following Premier League Football (Southampton FC!), and spending time with his fiancée, Jessie, and their cat, Carl.

Email: tom@confluencefa.com

Renée Pichette
Client Services Specialist

Renée Pichette


  • Bachelor of Fine Arts in ballet performance with mathematics minor University of Oklahoma, Norman OK

Community Activities:

  • Sonography lab, Red Rocks Community College
  • 9 Health Fair

Renée assists our clients in scheduling and in preparation of materials for appointments, processing of paperwork for our custodians, Schwab or Shareholder Services Group, and whatever else is needed.

When not working, Renée enjoys all of the activities Colorado has to offer.

Email: renee@confluencefa.com

Executive Assistant

Linda Anderson-Biella


  • Fairview High School

Community Activities:

  • Marshallville Ditch Company, Secretary-Treasurer

Linda is a Boulder County native. She supports our office team with tasks relating to front office administration, client relationships, accounting and marketing projects.

She enjoys spending time with her husband and two border collies, visiting national parks, gardening, photography and helping out with the family farm.

Email: linda@confluencefa.com

Client Relations Canine


August 19, 2017 Update

We are sad we’ve had to say goodbye to our Apollo. He was a special dog who brought joy to many and we are glad we had the chance to share him with you.


Apollo focuses on making our clients feel welcome. His favorite activities include sleeping, eating, tackling NY Times crossword puzzles, and going for walks.