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.

Moldof-Schnall Group

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.

Our Organizational Structure

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

Michael J. Cowan
Managing Principal
Senior PIM Portfolio Manager

Russell Mahan

Managing Partner

Financial Advisors

Lynne Cross

Financial Advisor

Scott Wilson

Senior Financial Advisor

Christopher McDermott

Financial Advisor

Russell Mahan

Managing Partner

David Crum

Senior Financial Advisor

Mary-Lee Widder CFP®, CDFA®

Financial Advisor

Robin Muller

Senior Financial Advisor

Adam Moldof

Senior Financial Advisor
Fundamental Choice Portfolio Manager

Michael Moldof

Senior Financial Advisor

David Schnall

Senior Financial Advisor
PIM Portfolio Manager

Practice Management and Client Relations

Jessica Ivers Mason

Client Relationship Manager

Andrea Alvarez

Project Manager

Luis Cowan

Operations Manager

Jenny Medina

Client Service Associate

William J. Brady

Senior Registered Client Associate

Thomas Rizzocascio

Registered Client Service Associate

Heidi Pittell

Senior Registered Account

Investment and Insurance Products are:

  • Not Insured by the FDIC or Any Federal Government Agency
  • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate
  • Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested

This information is intended for use only by residents of (CA, CO, FL, IL, MI, NJ, NY, OH, PA, VT, WA). Securities-related services may not be provided to individuals residing in any state not listed above. Please consult with the FA as s/he may not be registered in all states.

For parties residing outside of the U.S., this information is: (i) provided for informational purposes only, (ii) not and should not be construed in any manner as an offer to participate in any investment or to buy or sell any securities or related financial instruments, and (iii) not and should not be construed in any manner as a public offering of any financial services, securities or related financial instruments. Products and services listed may not be available, or may have restrictions, depending on client country of residence.

Investment products and services are offered through Wells Fargo Advisors Financial Network, LLC (WFAFN). Wells Fargo Advisors is the trade name used by Wells Fargo Clearing Services, LLC and WFAFN, Members SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company. Any other referenced entity is a separate entity from WFAFN.

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