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.
Ed Guanill | Owner and President
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.
Gary Libhart | Investment Advisor Representative
As President, Michael is the leader of Gradient Investments and has been with the firm since 2012. He brings more than 35 years of industry experience, including prior roles managing multi-billion-dollar portfolios for an institutional asset manager. Michael is a CFA® charter holder and is a frequent contributor on CNBC, Fox Business, Barron’s, and the Wall Street Journal.
Michael Binger, CFA® | President of Gradient Investments, LLC
Keith joined Gradient Investments in 2018 and has more than 30 years of industry experience. Prior roles include senior portfolio manager for a large institutional asset management firm, managing a multi-billion-dollar portfolio. Keith is a CFA® charter holder, managed a Lipper Award-winning mutual fund, and has been featured in media outlets such as CNBC, Bloomberg, Investor’s Business Daily, Nasdaq and Reuters.
Keith Gangl, CFA® | Portfolio Manager of Gradient Investments, LLC
Kyle joined Gradient Investments in 2025 and has more than 15 years of financial services experience. Prior roles include portfolio manager with a couple of large international institutional asset management firms, also was an advisor with a retail wealth advisory firm. Kyle has developed experience with financial advice, asset allocation, and investment analysis across the asset spectrum. He is a CFA® charter holder and has appeared on the Schwab network.