About Us

Ed Guanill
Owner and President

Ed Guanill is a financial and retirement planning professional with over 18 years of experience in the insurance industry and has been an independent advisor representative since 2012. His career began in 1997 in the banking and merchant-acquiring sector.

Over the years, Ed has worked with several firms to help build their practices and institute his financial principles. Today, Ed helps his clients prepare for retirement using helpful financial principles. His focus is on how to help clients achieve their financial goals by teaching them how to shield their assets from potential market risk, earn competitive rates of return and create multiple retirement income streams that have the possibility to last as long as they do.

Ed is a member of the Registered Financial Planners Institute, RFP®, The Financial Planning Association and The National Ethics Association. He has offices in both Sacramento and San Diego.


Gary Libhart
Investment Advisor Representative

Gary has 33 years of experience in life insurance and 17 years in money management and financial planning. He focuses on helping to build a happy retirement for the Social Security recipient and those preparing to retire. Gary promotes intelligent investing via the value investing philosophy of Warren Buffet. Since 2010, he has also been active in helping families navigate the financial challenges of long-term care through his insurance agency, Libhart Insurance Services. Gary works with Elder Law and estate planning attorneys to plan efficient transfer of wealth to heirs and charities. Most importantly, Gary will use his experience to help give you peace of mind knowing that your income is well-planned, your family is secure and your hard-earned money will be available to provide the lifestyle you deserve. Gary takes great pride in his family, living with his wife and three of seven children.


Strategic Alliances

Wayne Schmidt, CFA®
Chief Investment Officer
Gradient Investments, LLC

In 2008, Wayne brought 30 years of institutional investment experience to the private clients of Gradient Investments. During his tenure at AXA Investment Managers, Wayne served as senior portfolio manager for the U.S. Investment Grade Fixed Income Team. As the lead portfolio manager, he managed $9.5 billion of fixed income assets with a variety of mandates ranging from aggregate, corporate and government bond portfolios.

Wayne has been quoted on the subject of the global economy in numerous nationally and internationally recognized investment publications such as Bloomberg, Reuters and The Los Angeles Times. He is a Chartered Financial Analyst™ and a member of The Chartered Financial Analyst Institute and the Twin Cities Society of Security Analysts.


Michael Binger, CFA®
Senior Portfolio Manager
Gradient Investments, LLC

Mike brings over 24 years of institutional equity investment experience to Gradient Investments and its affiliated advisors and clients. He has extensive experience working directly with financial advisors designing and actively managing portfolios. Mike has successfully invested in numerous market and economic cycles giving him a level and depth of experience that is rare in this industry. He spent more than 20 years at Thrivent Financial where he managed numerous equity funds through various economic cycles. Mike’s media highlights include numerous appearances, providing market insight on CNBC, Bloomberg TV and Bloomberg Radio.

Mike has also been quoted in The Wall Street Journal, Barron’s, Smart Money, Reuters, Business Week and numerous other local, national and global investment publications.


Mariann Montagne, CFA®
Senior Investments Analyst
Gradient Investments, LLC

Mariann has 20 plus years of working with both institutional and high net worth clients and has amassed a strong breadth of investment experience in her tenure. This experience includes company and industry sector analysis, risk monitoring and portfolio management in both the equity and fixed income markets. She is highly attuned to economic and market conditions, and has extensive experience selecting individual stocks, ETFs and mutual funds. In addition to being a CFA, she is a member of both the CFA Society of Minnesota and the CFA Institute. Mariann’s media highlights include quotes in Barron’s, The Wall Street Journal, Fortune, NPR, Washington Post and the Chicago Tribune. She has also appeared on Bloomberg TV and Fox Business News.