About Dave Gardner

David Gardner is a certified financial planner with a practice in Boulder County and can be reached at dave@confluencefa.com and at twitter.com/Dave_CFP.

Four Steps If You’re Feeling Nervous About the Markets

With Dow recently crossing 20,000, the general mood among many investors is not euphoric but cautious.  The uncertainty that some see in the new Trump Administration has extended to fear about its impact on world financial markets. The argument goes like this.  We are in the midst of an eight year bull market for US […]

Four Reasons to Ignore Dow 20,000

At the end of last year, it seemed almost every day the Dow set a new all-time record.  The Dow is likely to reach the 20,000 threshold in the weeks to come (if it hasn’t happened already).  But is this important and what does it portend for your financial future? The Dow, short for the […]

A (Semi) Official Way to Borrow and Loan Money with Family

If you managed to avoid politics around the holiday table, conversation may have touched upon another family third rail: the financial health of you and your loved ones.   In most families, there are those who are in a stronger financial position than others. Giving an outright gift (or receiving it) from family members is easy […]

Biggest Tax Reform in Years Expected in 2017

All signs are that we will see a federal tax cut enacted next year, with significant reform included in that package.   Congressional leaders have indicated that they will use the reconciliation process, which means that simple House and Senate majorities would be enough to put a tax bill on the President’s desk. I’ll stay on […]

Where Your Next Dollar Should Go

Personal financial planning is all about setting priorities and then putting your resources to work to achieve them, while covering the big risks that could derail your financial future.  The thought is you want to give every dollar that comes into your bank account a job. Whether you’re a mid-career serial entrepreneur or in your […]

Three Little Known Ways to Save On Taxes

Little has been predictable in the national political arena over the last three weeks.  Few pundits predicted Trump would win, and even fewer presaged that the domestic stock markets would rally to all time highs.  Interest rates have moved upwards sharply as the market starts building in expectations for increased growth and a phenomenon gone […]

With Trump Elected, Have Your Finances Changed?

Most Boulder County residents, who voted for Clinton by more than a 3 to 1 margin, faced an unpleasant shock in last week’s presidential election.  Moreover, the outcome was unexpected as almost all polls showed Trump firmly in second place on the eve of the election. As the results of the election became clear, world […]

A Simpler Alternative for Adults with Special Needs

For those who raise a child with special needs, there is concern about both today and tomorrow.  Today’s concerns can be securing and affording the right education, caring for the child, and giving them access to the therapies they need to improve their quality of life.  The concerns shift to tomorrow when you wonder whether […]

Social Security: Not Just for Retirees

If you’re under 50, you’re probably not counting on Social Security.  This lack of confidence is striking when you consider you’ve been paying into it for your entire working life with up to 6.2 percent of your pay withheld and your employer matching that contribution.  In a Gallup poll of nonretirees in April, 71 percent […]

Will the Election Tank the Market?

With the first presidential debate behind us, there is one conclusion that most voters share.   More than any election in memory, voters believe if the “other candidate” is elected it will be an absolute disaster.  The thinking is that the damage will not be confined to walls on the border or Supreme Court nominees.   Investors […]

The Good News About Long-Term Care

In my last column, we covered the “bad news” about long-term care, which is the care needed inside the home or in a facility when you are no longer able to care for yourself.  Most who have successfully saved for retirement will not be eligible for Medicaid and must look to other resources in the […]

The Bad News About Long-Term Care

If you have a loved one who needed end of life care, you’re probably well aware of the high costs of long-term care services.  Long-term care generally refers to the help needed when people cannot perform two or more so-called activities of daily living, such as dressing and bathing.  This care includes home based assistance, […]