Louis A. Gardner, President of Gardner Brown Associates Inc., has been in the Financial Services industry for over 30 years. Over the span of his career he has served as an Executive with three major insurance carriers.

Gardner Brown & Associates, Inc was started in 2008 with the objective to allow our firm to work directly with individual and corporate clients in the vast area of financial advisement.

Louis has been named one of the nation's Best Advisors by Medical Economics due to his vast knowledge and expertise in the area of financial advisement. Gardner Brown Associates is able to assist  corporate clients in devising executive, core and voluntary benefits and individual clients in all areas of financial matters.

From tackling personal decisions to reaching important milestones, Gardner Brown Associates, Inc. guides you on the path to financial success. As a professional financial planning firm, Gardner Brown Associates, Inc. guarantees optimal results based on your specific needs. We are fueled by our commitment to excellence and go the extra mile to make sure our clients are fully satisfied with the services provided. Get in touch with us today for a free financial advisement consultation.

Securities offered through Lion Street Financial, LLC, member FINRA, SIPC. Investment advisory products and services offered through Lion Street Advisors, LLC, an investment advisor registered with the SEC. Lion Street Financial, LLC and Lion Street Advisors, LLC are affiliated companies but neither is affiliated with Gardner Brown and Associates. Neither of these companies provide tax or legal advice. Representatives may transact business, which includes offering products and services and/or responding to inquiries, only in state(s) in which they are properly registered and/or licensed.

Check the background of this investment professional on FINRA's BrokerCheck.





Our clients are our number one priority, and we go the extra mile to make sure they’re completely satisfied with our service. Whether individual or corporate clients, we will review current insurance and investment holdings and provide explanations of current holdings in a manner which is understandable.


Gardner Brown Associates, Inc. aims to collect, analyze, and solve your financial advisement needs. After we collect your current holdings data and analyze your information we are able to present customized solutions to assist you in reaching your financial goals.


Many clients know what they want to achieve in 5, 10 or 20 years financially but they are not sure how to get there. At Gardner Brown Associates, Inc. we listen to your financial wants and needs and help develop a specific plan on how to achieve those goals.


(949) 375-2008 (Tel)



Mon - Fri: 7am - 6pm (PST)

​​Saturday & Sunday: By appointment only



MARCH 2020



In February, anxieties about the novel coronavirus (COVID-19) rippled through stock, bond, and commodity markets. Stories about the disease dominated the news cycle, and concerns that a pandemic might occur hurt equities. The S&P 500 slipped 8.41% for the month, and foreign stock markets also retreated. Oil tumbled below $50. Away from the trading floors, the latest fundamental economic indicators showed manufacturing and job creation strengthening and consumer confidence at high levels. Data on home sales were mixed; home loans grew less expensive. 1


Past the coronavirus headlines, the latest round of U.S. economic indicators appeared largely encouraging.

The Department of Labor’s January jobs report topped the expectations of economists surveyed by Bloomberg: while they forecast 165,000 net new hires, the gain was actually 225,000. The labor force participation rate (the percentage of people either working or looking for work) hit 63.4%, a level unseen since 2013. The main jobless rate rose 0.1% to 3.6%, and the U-6 rate, counting the underemployed and the unemployed, rose 0.2% to 6.9%. Hourly wages were up 3.1% year-over-year. 2

American manufacturing picked up its pace, according to the Institute for Supply Management (ISM). January’s ISM Factory Purchasing Managers Index, or PMI, came in at 50.9, a rise of 3.1 points, which signaled the first sector expansion in six months. ISM data also showed monthly improvements in new orders, prices for manufactured goods, and employment. The Institute’s Non-Manufacturing PMI rose half a point to 55.5 in January. 2,3

Inflation also rose in January. The annualized rise in the federal government’s Consumer Price Index reached 2.5%. Yearly inflation last ran at that pace in October 2018. Core inflation (minus food and energy prices) saw a 12-month advance of 2.3%. All this said, the Federal Reserve prefers to use its core Personal Consumption Expenditures (PCE) price index to track rising consumer costs, and in January, the core PCE index was still under the Fed’s 2% yearly inflation target. 4

Statistics related to consumer spending and sentiment did not hint at economic slowing. Retail sales advanced 0.3% in January; the gain was even larger (0.4%) with gasoline and other automotive purchases removed. Personal spending rose 0.2% in January, and personal incomes improved 0.6%. The University of Michigan’s monthly Consumer Sentiment Index went back above 100, finishing February at 101.0. The Conference Board’s February Consumer Confidence Index was up at 130.7. 5

While delivering his semi-annual testimony on monetary policy to Congress on February 11, Federal Reserve Chairman Jerome Powell noted that central bank officials were “carefully” watching coronavirus developments and acknowledged that the global economic effects of the virus could “very likely” impact America. On February 28, Powell stated that central bank policymakers would not be hesitant to “use our tools and act as appropriate to support the economy.” 6,7


Analysts attempting to gauge the impact of COVID-19 on the global economy weighed some big questions last month. Could corporations rearrange their supply chains in the near term to be less dependent on China? In the event of a pandemic, would lower interest rates be any kind of meaningful response to interruptions in the flow of goods and services or consumer spending pullbacks? According to the New York Times , one respected Wall Street analyst wrote in a research note that he would “rather have a vaccine than a rate cut.” 8

Speaking of cuts (of a different kind), China announced a cut in some of the tariffs it had imposed on U.S. goods. It said that 10% and 5% import taxes on about $75 billon of U.S. imports would be halved on February 14, the same day on which the U.S. halved tariffs on $120 billion of Chinese products to 7.5%. 9

As February ended, the latest economic indicators for the 19-country euro area showed unemployment at 7.4% (down nearly half a percentage point from a year earlier), inflation at 1.4%, and gross domestic product (GDP) at just 0.1% for the last quarter of 2019. 10


Just how did some of the big foreign benchmarks fare in February? Broadly speaking, they fared worse than our major equity indices. Among the least hurt: Hong Kong’s Hang Seng, falling 0.43%; China’s Shanghai Composite, down 3.23%; Malaysia’s KLCI, off 4.45%; India’s Nifty 50, slipping 7.08%. 11,12

Other losses were steeper. Mexico’s Bolsa tumbled 7.59%; Australia’s All Ordinaries, 8.27%; South Korea’s Kospi, 8.72%; Japan’s Nikkei 225, 8.93%. MSCI’s multi-regional EAFE index took a 9.23% fall. Double-digit drops came for France’s CAC-40 (10.39%), Brazil’s Bovespa (10.57%), Germany’s DAX (10.76%), and Russia’s RTS (17.33%). 11,13


Delegation is a key to sustaining  a small business . A business owner should try to hand off tasks that can be done easily (or better) by others .


(949) 375-2008 (Tel)

(949) 492-1478 (Fax)

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