Financial Advisor at Garman Investment Group
Scottsdale, Arizona
David Garman is a licensed independent financial professional at Garman Investment Group in Scottsdale, Arizona with 35+ years of experience. Specializing in Retirement Income Planning, Asset Protection, Tax Minimization. As an independent advisor, they offer personalized retirement planning guidance from multiple providers with no pressure to buy specific products.
✓ SafeMoney Certified™
Phone: 317-698-8830
Email: [email protected]
Licensed Independent Financial Professional · 35+ Years Experience · SafeMoney Certified™
David Garman is a Scottsdale, Arizona-based retirement income specialist with over 35 years of financial services experience. Registered as a financial advisor since 1987 and formerly Vice President with Smith Barney, David brings institutional-level expertise to independent retirement planning for families across Arizona, Indiana, Washington, and Utah.
David Garman's practice is built around one mission: making sure his clients never run out of money in retirement. As a fiduciary with an active Series 65 Investment Advisor license, he is legally required to act in his clients' best interest at all times. His three-pillar approach — asset protection, guaranteed retirement income, and tax minimization — addresses the core financial risks retirees face in today's environment.
With decades of experience spanning bull and bear markets alike, David Garman specializes in safe money alternatives that protect principal while providing predictable, guaranteed retirement income that clients cannot outlive. Whether clients are five years from retirement or already drawing income, David designs strategies that remove market risk from the portion of assets that cannot be afforded to lose.
David Garman recognizes that taxes represent one of the largest and most overlooked drains on retirement wealth. He works with clients to reduce their lifetime tax burden through strategic Roth conversion planning, tax-efficient withdrawal sequencing, and properly structured guaranteed income products — all designed to keep more money working throughout retirement.
David Garman serves clients in Scottsdale, the greater Phoenix metro area, and across his licensed states of Arizona, Indiana, Washington, and Utah. He offers a complimentary consultation to review income plans, identify protection gaps, and build a personalized safe money strategy around each client's specific timeline and goals.
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David Garman at Garman Investment Group offers Retirement Income Planning, Asset Protection, Tax Minimization in Scottsdale, Arizona. As an independent licensed financial professional, they provide personalized recommendations from multiple providers.
Independent advisors aren't tied to a single company's products, so they can recommend the best solutions for your specific needs. They focus on education first, helping you understand all your options before making decisions.
Yes, David Garman is SafeMoney Certified™, demonstrating specialized expertise in safe money strategies and retirement income planning.
Most SafeMoney.com advisors offer complimentary initial consultations. There's no cost or obligation to meet and discuss your retirement planning needs.
Your first meeting typically covers your current financial situation, retirement goals, risk tolerance, and timeline. The advisor will explain different safe money options and answer your questions without pressure to buy anything.