Welcome to Garden Financial

Garden Financial is your source for trusted advisors in areas financial counseling, retirement planning, mortgage consulting, accounting & taxes, and various insurance products. We will match you with a financial solutions team to help you meet your financial goals.

Charlie Stivers (Founder & President)

Charlie Stivers, Founder and President

Charlie Stivers is the founder and president of Garden Financial based in Aurora, CO. He feels blessed to have been a committed advisor and business owner since 2001. His story begins with the passing of his dad at an early age and experiencing the effects of the unexpected. Fortunately, his dad had life insurance to protect his seven children. Charlie learned a valuable lesson in personal responsibility and honored his dad by successfully investing in tech stocks in 1998. From these real life struggles and experiences he has developed a passion for teaching his clients financial literacy, social security retirement income strategies, and Medicare so they can mutually develop a plan to help them to prepare for their retirement years.

In his free time he enjoys spending time with his son and daughter, playing baseball, attending sporting and business events, loving animals especially bulldogs, and taking fishing and hiking adventures in the Colorado mountains.

Joshua Berman (Vice-President & Chief Financial Officer)


Joshua Berman joined Garden Financial in 2015 as a tax accountant, bookkeeper and financial advisor. He became interested in finance in college and began investing in the stock market at that time. He earned his degrees majoring in Economics and Politics and his Masters degree in Taxation. He has been preparing tax returns and providing bookkeeping since 2010 for individual and business clients. He is also licensed to provide various financial services to his clients.

In his free time Joshua enjoys spending time with his wife enjoying the beautiful weather Colorado has to offer. He likes to ride his mountain bike during the summer and ski during the winter. He enjoys many sports and bowls in a weekly league.