About Us

Planning for retirement can be overwhelming and our goal is to help you protect your hard-earned savings so you can enjoy your retirement to the fullest. We don’t follow a one-size-fits-all approach. We know your needs and situation are unique. That’s why we get to know you, your goals, and your budget before presenting options for insurance.
Conveniently located on the Southside of Jacksonville, Gardner and Company has been navigating Legacy, Retirement and Medicare Planning for local seniors since 1974. Known around town as The Medicare Guy, Bill Gardner and his team of experts are on top of the latest updates in the world of senior insurance and deliver hands-on, personal service to ensure all your Medicare and retirement planning needs are met.

Education First Approach

The Medicare system is complex. In fact, national surveys show that most seniors just don’t understand it. That means we work extra hard to continually educate ourselves and remain up to date on every new plan, option and regulation within the Medicare system, which is constantly changing. We go this extra mile because we firmly believe that educating clients with the power of knowledge is the only way for them to maximize their Medicare benefits.

True and Unbiased Advocate

At Gardner and Company, we realize that saving money in your retirement years is critical. That’s why we don’t just represent one company. We want you to have the power of choice and that includes being able to shop the market for the best available rates. You can rest assured we act as a true advocate for our clients, providing guidance on Medicare health insurance plans, and other types of insurance benefits.

We Keep our Promises

We believe that keeping our commitments to our clients is important because it not only helps to deepen customer relationships, but most importantly, gives our clients the resources they need to keep their promises to those who depend on them, and whom they love.

Full-Service Agency

While we’re best known for our Medicare expertise, we’re passionate about being your one-stop-shop for several different types of insurances and investment opportunities. No matter if you want to compare supplement policies or keep your nest egg secure, we’re here for you.

Our Team

Bill Gardner, The Medicare Guy

Bill Gardner, The Medicare Guy

Bill is the founder of Gardner & Company and has been in the insurance business for nearly 50 years. He specializes in Life Planning and is continuously learning new products and new ways to help his clients succeed in planning their financial future. When Bill is not meeting with clients or running the company, he can be found playing golf, spending time with his family and friends, or attending various Jacksonville events.

Email Bill at bill@gardnerandcompany.com 

Debbie Bonafede

Debbie Bonafede

Debbie is involved in many aspects of Gardner & Company, including client administration, insurance underwriting, and Medicare enrollment and processing. She has been in the insurance industry for 17 years and has been with Gardner & Company since 2007. Debbie loves helping clients and keeping the office running smoothly. In her spare time, Debbie likes to spend time with family, volunteering, and with her church.

Email Debbie at deb@gardnerandcompany.com


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Hours of Operation

Monday through Friday 8am to 5pm