Who We Are

We’re the people who look you in the eye and pay attention when you share what’s important. Our business is built on ascertaining and understanding where you are coming from before we make a single recommendation. Our comprehensive solutions will be presented in ways you can clearly understand, with compassion and respect. Our practice is focused on income planning for families approaching or in retirement. With a primary emphasis on rising dividend stocks and various income strategies, we can help you feel confident about living the life you want now and in the future. We also consider estate planning issues central to a well-protected portfolio.

Our investment advice is independent; we accept no financial support from product companies. We manage accounts at the individual, one-on-one level. You’ll have direct access to the people guiding your financial future including in-house portfolio managers you will know personally. When you call during business hours, you’ll speak to a dedicated team member, never a recording or voice mail. Earning your trust is essential, we’re proud of the many long-term relationships we have nurtured.

Meet Our Group

We’re constantly growing our staff to ensure the attentive, personalized service we’re known for.

As a first generation Cuban-American, our founder Michael J. Cowan, Managing Principal and Senior PIM Portfolio Manager, recognizes the value of a dollar. He has experienced first-hand the consequences poor investment advice can have on a family. Michael has gathered a carefully chosen team of industry professionals who share his values of hard work, integrity and compassion for each family we represent. Every member of our diverse team has a specialized skill set and perspective that adds something special to the totality of who we are. Come meet us and find out for yourself.

Gardens Wealth Management

Jenny Medina, Christopher McDermott, Robin Muller, William J. Brady, Andrea Alvarez, Luis Cowan, Michael J. Cowan, Russell Mahan, Mary-Lee Widder, 
              Scott Wilson, Jessica Ivers Mason, David Crum, and Lynee Cross

Our practice is focused on income planning for families approaching or in retirement. With a primary emphasis on rising dividend stocks and various income strategies, we can help you feel confident about living the life you want now and in the future. We also consider estate planning issues central to a well-protected portfolio.

Moldof-Schnall Group

Heidi Pittell, 
              Thomas Rizzocascio, Michael Moldof, David Schnall, and Adam Moldof

The Moldof-Schnall Group made a name for itself in South Florida by providing strong, risk adjusted performance for their clients along with exceptional, concierge quality service. While managing over a half billion dollars of client assets across the country as of January 2022, they pride themselves on executing well thought out, customized investment portfolios, and can provide access to lending products and services through Wells Fargo affiliates.

Vicencio Group

Abby Vicencio, Alex Vicencio, and Cesar Perez

Together, Alex, Abby, and Cesar work to provide financial planning and wealth management solutions that are as proficient as they are personalized. The results speak for themselves - the group has achieved the highest levels of professional recognition and credentials, as well as being featured in national media. The Vicencio Group is committed to their community through several philanthropic efforts.

Our Organizational Structure

Gardens Wealth Management is organized for complete transparency, collaboration and one of the highest efficiencies.

Financial Advisors

Practice Management and Client Relations