Our Team

Our Team

What's behind the Garden Street Financial Group name...

It was in 1936 that my grandfather, Isadore Crystal, began a career in the life insurance business. He sold 10-cent policies to families who could afford the protection. Ten years later, after building a successful practice, he sold his business to help his father run the family’s specialty foods store. While premiums are no longer 10 cents per week, the values my grandfather shared with his clients are values that I feel are still important today: personal responsibility, mutual respect, knowledgeable advice, and prompt, polite service.

During a visit to Duluth, Minnesota, and the house at 111 Garden Street in which my grandfather raised his family, the inspiration came to me of incorporating his history, and memory, into my business model. With that, Garden Street Financial Group LLC was formed. Those same values continue to guide me through all of the endeavors of my life.


Steve Kastrul, ChFC®, CLU®

Owner and Investment Adviser Representative

Steve Kastrul, ChFC®, CLU®,  is the owner and Investment Adviser Representative of Garden Street Financial Group LLC. His industry career began in 1990 helping clients and other advisors. Steve works to help clients achieve their vision of financial security and success.  On April 1, 2019, Steve and Garden Street Financial Group purchased Hendricks Financial Services, welcoming the clients of fellow advisor Lynn Hendricks to his services.

Steve's credentials include:

  • Chartered Financial Consultant®
  • Chartered Life Underwriter®
  • FINRA Series 6, 7, and 63 securities registrations 
  • Life insurance licensed
  • LTC Partnership Certification
  • Member, National Association of Insurance and Financial Advisors

Steve has lived in the Rocky Mountain region since 1983. He came to Colorado as a graduate of the University of Wisconsin. Steve is a current member of the National Association of Insurance and Financial Advisors (NAIFA), and he has previously been involved with the Society of Financial Service Professionals (SFSP), the LTC Alliance, the North Denver Coalition for Seniors, and the Southwest Denver Coalition on Aging. He and his family live in the Platt Park neighborhood of Denver, where they stay active by running, biking, and helping build a stronger community.

Kim Kastrul

Administrative Assistant and Director of Client Engagement

Kim Kastrul wears multiple hats for us at Hendricks Financial Services.  She serves as an administrative assistant and as our director of client engagement.  Kim has been a dental hygienist for 30 years, but due to COVID-19 shutdowns, she was furloughed from that work and decided to fill her time by helping us out here.  When not working and being a mother to our two boys, Kim trains for triathlons.  She also enjoys traveling and being outdoors.  She moved here in 1989 after growing up in Des Moines, Iowa, and is proud to call Colorado “home”.

Ester Gallardo

Office Manager | Administrative Assistant

Ester Gallardo is our office manager and administrative assistant. She is a Colorado native with a strong management and paralegal background. Her smile is often your first greeting when you visit our office. She is responsible for client service, coordinating meetings, processing account documentation, and anything else related to keeping our office welcoming, organized, and running smoothly.  Along with her husband, Noah, and their son, Jeremiah, they are very active, enjoying everything that Colorado has to offer. We are excited to have her as part of our team. 


Dylan Lindimore

Registered Service Representative

Dylan Lindimore is our Registered Service Representative. Dylan has previously worked at FirstBank helping customers with their banking needs, and most recently at Fidelity Investments as an equity trader. Dylan cares about client needs and wants to be a part of helping our clients achieve their goals for saving, investing, and retirement.

Outside of work, Dylan is a member of Northglenn High School STEM’s scholarship committee, securing funds for these scholarships. The students who attend the Northglenn High School STEM program are highly diverse and often come from economically challenged environments. Dylan was born in Albuquerque, New Mexico, but moved to Colorado via a short stint in St. Louis, Missouri. He is a graduate of the University of Denver, where he majored in finance with a minor in economics. Dylan played varsity rugby for all four years as a DU Pioneer, and he also enjoys whitewater rafting.

Lynn Hendricks

Founder of Hendricks Financial Services | Currently enjoying retirement

Lynn Hendricks is the founder of Hendricks Financial Services. She started the company in 1984 as a tax planning practice and added full financial and investment services in 1995. After 35 years of serving clients, Lynn retired on January 1, 2020.  She now acts as a business consultant to Steve Kastrul as he continues providing the same guidance Lynn offered to clients over the years.  

Lynn and her husband, Rick, plan to enjoy more time gardening, biking, traveling, and the company of their four-legged family members!