Edward J. Garbacik

Edward J. Garbacik

Financial Advisor

 

Edward J. Garbacik CFP®, AIF®

Edward J. Garbacik is a Certified Financial Planner™ professional working objectively to serve his client’s needs. With over 23 years of experience in the financial services industry as an advisor and planner; Ed has been providing individuals and small business owners with comprehensive financial planning, including investment advisory services, retirement planning, estate planning as well as other wealth management needs. He believes that financial planning is much more than simple investment selection.

As a CFP® professional, Ed uses a six-step planning process to meet the comprehensive needs of today’s investor. He earned this designation through the CFP® certificant program at Boston University. Ed’s comprehensive planning knowledge, coupled with his expertise attained through the CFP® exam, result in a planning experience few can duplicate. Ed has also been awarded the Accredited Investment Fiduciary (AIF®) designation, widely considered the fiduciary standard for business retirement planning and plan sponsor services. He holds FINRA Series 6, 7, 63,66 licenses as well as Massachusetts life and health insurance licenses.

Prior to joining Private Financial Design, Ed held the title of partner at HWS, a boutique investment firm specializing in retirement income planning. Before that, he held the title of Vice President and managing partner of investments at FSB Financial Group where he led the group’s financial planning and wealth management arms. Ed also held the title of Vice President with UBS Investment Management in New York, where he was responsible for growing the firm’s institutional assets under management in the Taft-Hartley and public pension fund marketplace.

Ed and his wife, Heather, live in South Hadley. They enjoy spending as much time as possible with their three children, Zach, Kevin and Kate. Ed also enjoys playing competitive golf, running, and devoting time volunteering with Junior Achievement organization.