Monica M. Garver, CPA, CFP®, AIFA®, CDFA™

Vice President / Senior Financial Planner

Monica M Garver is Vice President, senior financial planner and manager of the Johnstown office of RTD Financial Advisors, Inc.  Monica holds a BS in Accounting from Duquesne University and has earned several distinguishing professional credentials over her career including:  Certified Public Accountant (CPA), Certified Financial Planner (CFP), Accredited Investment Fiduciary Analyst (AIFA), and Certified Divorce Financial Analyst (CDFA).  With more than 30 years of professional experience in public accounting, bank trust services, financial planning and investment management Monica brings a vast degree of experience, education and expertise to each unique client situation. 

Monica passionately serves her individual clients as she works with them to secure their financial goals and achieve their objectives be it travel to foreign lands or spend time with the grandkids.  As a CDFA, she offers unique and expert planning to address the often complicated financial issues of divorce.  As an AIFA, Monica works directly with business owners and executive staff to develop and monitor highly effective retirement programs for their organizations and employees.

Monica is a National Registered Financial Advisor of the National Association of Personal Financial Advisors (NAPFA).  NAFPA is a leading professional association of Fee-Only financial advisors, highly trained professions, who are committed to working in the best interest of those they serve.  Monica is a strong believer of giving back to the community and has served on many Boards thought her career.  Currently she in on the Board of the Johnstown Symphony Orchestra and serves as its Treasurer.

Monica resides in the Westmont section of Johnstown, PA with her husband Dr. Michael B Garver, owner of Family Dentistry Associates of Johnstown, LLC; they have three grown children.  Monica enjoys spending time exploring America’s best kept secret – our National Parks and thus far claims Yosemite to be her favorite.  She also enjoys the beautiful beaches of Kiawah Island, SC. 

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