What's Behind the Name

In 1936, my grandfather, Isadore Crystal, began a career in the life insurance business. He sold 10-cent policies to families who could afford the protection. While insurance premiums are no longer 10 cents per week, the values and things he shared with his clients—personal responsibility, mutual respect, providing knowledgeable advice, and delivering prompt, polite service— are still important today.

It was during a visit to his early home at 111 Garden Street in Duluth, Minnesota, that the inspiration of incorporating his history and memory into my business model came to me. With that, Garden Street Financial Group LLC was formed. Those same core values continue to guide me throughout my life.

Garden Street Financial


Meet Our Team


Steve Kastrul, ChFC®, CLU®

Owner and Investment Adviser Representative

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A graduate of the University of Wisconsin, Steve’s career began in 1990, helping clients and other advisors. He founded Garden Street Financial in 2001.

Licenses and Credentials

  • Chartered Financial Consultant®
  • Chartered Life Underwriter®
  • FINRA Series 7 & 66 securities registrations
  • Life and Health insurance licensed
  • LTC Partnership Certification

Steve is a current member of the National Association of Insurance and Financial Advisors, and he has previously been involved with the Society of Financial Service Professionals, the LTC Alliance, the North Denver Coalition for Seniors, and the Southwest Denver Coalition on Aging.

He and his family live in Denver, where they stay active by running, biking, and helping build a stronger community.


Kim Kastrul

Office Manager and Director of Client Engagement

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Kim wears multiple hats at Garden Street Financial Group, serving as our Office Manager and as our Director of Client Engagement. Kim joined Garden Street Financial Group after a 30-year career as a dental hygienist.

When not working and parenting two boys, Kim trains for triathlons. She also enjoys traveling and being outdoors. Kim grew up in Des Moines, Iowa, and has been proud to call Colorado home since 1989.


Taylor Pieper

Analyst and Client Service Assistant

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Taylor assists with our independent fund research, evaluating our portfolio designs, updating our retirement plans, and supporting all aspects of serving our clients.

Taylor grew up in a small town in Indiana, receiving her bachelor’s degree in mathematics from Butler University in 2017. Previously, she worked for an investment management company, helping manage portfolios of corporate stocks and bonds before moving to Colorado in January 2020.

Outside of the office, Taylor spends most of her time hiking in the mountains or exploring Denver.


Peggy Cook

Administrative Assistant and Marketing Coordinator

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Peggy joined Garden Street Financial Group in June 2022. She brought 20 years of experience in the financial services industry, most recently serving as Executive Assistant to the president of a regional Bank in Virginia. Following the bank’s acquisition by a larger entity, she decided the time was right to move to Colorado so she could be closer to one of her 2 children. She will most often be the first person you talk with when you call us. She provides general office administration, coordination of our marketing, and the top-level customer service we are known for providing.

Peggy grew up in Illinois, then lived in Johannesburg, South Africa, before returning to the U.S. She moved to Denver from Virginia in 2019 to be near family. Peggy volunteers at the Molly Brown House Museum in Denver which allows her to indulge in her love of history.