Richard A. Garber, CPWA

Richard A. Garber, CPWA I am an impassioned and unwavering advocate, working with each client to navigate the complexities and issues that wealth creates. M.S.

See Important Disclosures: https://ashtonthomaspw.com/social-media-disclosures/ Investment advisory services are offered through Ashton Thomas Private Wealth, LLC, an SEC-registered investment adviser. Registration with the SEC does not imply a certain level of skill or training. Securities are offered through M.S. Howells & Co., a registered broker/dealer, Member FINRA/SIPC. Insurance products ar

e offered through Ashton Thomas Insurance Agency, LLC, a licensed insurance agency. Tax services are offered through Ashton Thomas Tax Advisory, a DBA of Ashton Thomas Insurance Agency, LLC. Though there are similarities among these services, the investment advisory programs, brokerage services, insurance, and tax services offered by Ashton Thomas are separate and distinct, differing in material ways, and are governed by different laws and separate contracts. Howells & Co., does not provide legal or tax advice and is not affiliated with Ashton Thomas Private Wealth, LLC or any of its affiliates. This site is published for residents of the United States only. Registered Representatives of named entities may only conduct business with residents of the states and jurisdictions in which they are properly registered. Not all products and services referenced on this site are available in every state and through every representative or advisor listed. Check the background of the investment professional on https://brokercheck.finra.org/

*The Certified Private Wealth Advisor® (CPWA®) designation signifies that an individual has met initial and ongoing experience, ethical, education, and examination requirements for the professional designation, which is centered on private wealth management topics and strategies for high-net-worth clients. Prerequisites for the CPWA® designation are a Bachelor’s degree from an accredited college or university or one of the following designations or licenses: CIMA®, CIMC®, CFA®, CFP®, ChFC®, or CPA license; have an acceptable regulatory history as evidenced by FINRA Form U-4 or other regulatory requirements and five years of experience in financial services or delivering services to high-net-worth clients. CPWA® designees have completed a rigorous educational process that includes self-study requirements, an in-class education component, and successful completion of a comprehensive examination. CPWA® designees must adhere to IMCA’s Code of Professional Responsibility and Rules and Guidelines for the use of the Marks. CPWA® designees must report 40 hours of continuing education credits, including two ethics hours, every two years to maintain the certification. The designation is administered through Investments & Wealth Institute.

Transferring wealth is rarely just a financial transaction.It’s a family conversation. It involves expectations. Values....
05/07/2026

Transferring wealth is rarely just a financial transaction.

It’s a family conversation. It involves expectations. Values. Responsibilities.

Sometimes unspoken assumptions.

The documents matter, but so do the discussions.

When families avoid conversations around wealth, uncertainty tends to fill the gap. And uncertainty often becomes tension.

Clarity today can prevent misunderstandings tomorrow.

If you’re thinking about wealth transfer, consider this: Have you prepared your family or just the paperwork?

In recent discussions with our planning and tax teams, one theme continues to surface:Strategic planning works best when...
05/05/2026

In recent discussions with our planning and tax teams, one theme continues to surface:

Strategic planning works best when it happens before a major event, not after.

Before a liquidity event.
Before retirement.
Before a transition.
Before a tax deadline.

When decisions are made early, options expand. When they’re made late, options narrow.

Preparation doesn’t just reduce risk. It creates flexibility.

Flexibility is one of the most valuable assets a plan can provide.

Proud to be part of a team recognized for its commitment to clients.
05/04/2026

Proud to be part of a team recognized for its commitment to clients.

Exciting news: Ashton Thomas has received two major industry recognitions this week! We have been named one of USA TODAY's Best Financial Advisory Firms 2026 — a Top 10 national ranking for the second consecutive year and #1 RIA in Arizona — selected from more than 17,000 firms evaluated nationw...

Coordination matters.Investments. Tax strategy. Estate planning. Risk management.Most financial plans include all of the...
05/04/2026

Coordination matters.

Investments. Tax strategy. Estate planning. Risk management.

Most financial plans include all of these.

When each piece is aligned, decisions become clearer and more efficient.

Investment choices consider tax impact. Estate strategies reflect asset structure. Risk management helps protect the full picture.

Integration isn’t complexity. It’s clarity.

If your strategy feels fragmented, it may be time to connect the dots.

Divorce is emotional.The financial decisions made during it shouldn’t be reactive.Asset division. Retirement accounts. T...
05/01/2026

Divorce is emotional.

The financial decisions made during it shouldn’t be reactive.

Asset division. Retirement accounts. Tax implications. Future cash flow.

Every choice carries long-term consequences, some that aren’t immediately obvious.

It’s not just about who receives which asset. It’s about understanding what each asset means after taxes, after restructuring, after life moves forward.

Coordinated guidance can help create clarity during a time that often feels anything but clear.

Thoughtful planning today can help support your financial stability tomorrow.

Volatility has a way of making the present feel more significant than it actually is.When markets move quickly, it’s nat...
04/30/2026

Volatility has a way of making the present feel more significant than it actually is.
When markets move quickly, it’s natural to assume something unusual must be happening.
In reality, market fluctuations have always been part of investing.

Over long periods of time, markets have experienced:
• recessions
• geopolitical shocks
• policy changes
• interest rate cycles

And yet, long-term investors who stayed disciplined through those periods often benefited from time and compounding.
The challenge isn’t volatility itself.
It’s behavior during volatility.
A thoughtful investment strategy is designed before uncertainty appears, not during it.
The goal isn’t to react faster than the market.
It’s to remain aligned with a plan that already accounts for change.

Most founders think about exit planning when they’re ready to sell.But by then, many of the most important decisions hav...
04/30/2026

Most founders think about exit planning when they’re ready to sell.

But by then, many of the most important decisions have already been made.

An effective exit strategy starts years earlier.

It shows up in:
➣ How you structure ownership
➣ How you manage tax exposure
➣ How you build liquidity outside the business
➣ How clearly you understand your company’s value

The strongest exits don’t happen by accident.

They’re built intentionally, long before a deal is on the table.

If an exit is part of your long-term vision, early coordination can make all the difference.

Grateful to be part of an organization focused on delivering a strong client experience.
04/27/2026

Grateful to be part of an organization focused on delivering a strong client experience.

I am very pleased to announce that Arax has received firmwide recognition on the USA TODAY list of Best Financial Advisory Firms 2026, including being named the #1 Advisory Firm in the United States! In addition to this honor, Arax Advisory Partners has been recognized as the top RIA in Colorado and...

11/15/2025
Planning for the unexpected is critical.
11/12/2025

Planning for the unexpected is critical.

When only one partner manages the investments, death can bring even greater stress.

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1377 Main Street, STE 2, Ashton Thomas Private Wealth
Napa, CA
94574

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