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Gardiner Private Wealth Management

6 East Green Street
Westminster, MD 21157

Phone:

410-857-9438

Fax:

410-857-9474

E-mail:

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Brian E Gardiner CFP, Licensed Tax Preparer

Welcome to our website, where you’ll find a wealth of information in the form of newsletter articles, calculators, and research reports.

We hope your visit will help you understand the opportunities and potential rewards that are available when you take a proactive approach to your personal financial situation. We have created this website to help you gain a better understanding of the financial concepts behind insurance, investing, retirement, estate planning, and wealth preservation. Most important, we hope you see the value of working with skilled professionals to pursue your financial goals.

We’re here to help educate you about the basic concepts of financial management; to help you learn more about who we are; and to give you fast, easy access to market performance data. We hope you take advantage of this resource and visit us often. Be sure to add our site to your list of "favorites" in your Internet browser. We frequently update our information, and we wouldn’t want you to miss any developments in the area of personal finance.

The longest government shutdown in U.S. history ended on November 12, 2025. This article looks at the bill that ended the shutdown, issues that are unresolved, and estimates of the economic impact.

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Provides an overview of key provisions in the new "One Big Beautiful Bill Act."

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Compares control, maturity, and performance differences between individual bonds and bond funds.

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Describes financial burdens associated with end-of-life care and funerals.

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How Long Will It Take to Pay my Balance?

This calculator is designed to help you attach a dollar figure to your life’s work.

How much do you need to save each year to meet your long-term financial goals?

Estimate the future cost of an item based on today’s prices and the rate of inflation you expect.

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