# Michael Garber Financial Planning

> Michael Garber Financial Planning is a state-registered investment advisory firm in Cupertino, CA, registered since 2005, with no regulatory assets under management reported in its Form ADV filing dated January 2, 2026.

- CRD: 133943
- Filed as: MICHAEL GARBER FINANCIAL PLANNING
- Legal name: Garber, Michael JAN
- Registration: State-registered investment adviser (status as filed: APPROVED)
- Location: Cupertino, CA
- Filing period: October 2026
- Form ADV filing dated: January 2, 2026
- Public record (IAPD): https://adviserinfo.sec.gov/firm/summary/133943
- AdvisorCensus page: https://advisorcensus.com/firm/michael-garber-financial-planning-cupertino-ca-133943

## Quick answers

**How is Michael Garber Financial Planning compensated?**
On its Form ADV (Item 5.E, October 2026), Michael Garber Financial Planning reports these compensation arrangements: hourly charges; fixed fees (other than subscription fees).

**Where is Michael Garber Financial Planning located?**
Michael Garber Financial Planning's principal office is in Cupertino, CA, according to its Form ADV.

**Is Michael Garber Financial Planning registered with the SEC or a state?**
Michael Garber Financial Planning is a state-registered investment advisory firm, registered since 2005. Status as filed: APPROVED. CRD 133943.

**Does Michael Garber Financial Planning report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's public record on IAPD: https://adviserinfo.sec.gov/firm/summary/133943

## From the Form ADV filing

### Compensation (Item 5.E)
- Hourly charges
- Fixed fees (other than subscription fees)

### Advisory services (Item 5.G)
- Financial planning services

### Firm details
- Registered since: 2005 (21 years)
- Employees: 1 total, 1 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- michaelgarber.com
- LinkedIn @michael-garber-4512828
- X @garberplanning

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Michael Garber Financial Planning (CRD 133943): Form ADV filing data as of October 2026.