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Fiduciary Advice for Individual Investors

Individual Investors

Integrated Financial Planning for individuals and Families

Individuals and families with $1M to $10M or more of investible assets often have additional complexities in their retirement and estate plan. Guardian Wealth Strategies specializes in designing and implementing holistic plans to help those clients reach their short- and long-term goals more efficiently.

Investment Management

Guardian provides in-house investment management. Our dedicated investment committee actively monitors each client portfolio, using an asset allocation model to implement trading disciplines. We select a globally diversified lineup of low-cost investments while leveraging technology, tax-efficient investments, strategic rebalancing and asset location to optimize results.

Tax Strategies

Wouldn't it be great if your investment professional and your tax professional talked to each other and spent time planning for you? We think so too! Our in-house tax professionals at Guardian Tax work seamlessly with Guardian Wealth Strategies to provide ongoing strategic tax planning.

Estate Planning

Fully integrated estate planning strategies are used to reduce gaps and uncertainty. We lean on the academic prudence of our legal partners, combined with our extensive experience of settling estates. Let our team help you simplify the transition process for  you and your beneficiaries.

Insurance and Wealth Protection

Insurance products can offer investors many benefits. Unfortunately, most insurance products are sold by commission-focused sales people. Our fiduciary team can review existing policies to make sure you are not overpaying for features you may never need, and present streamlined options when new policies are needed.

Retirement Income Planning

We provide in-depth retirement income projections, implementation and oversight.

  • When should I start social security?
  • Should I draw from my IRA, Roth or  brokerage account?
  • Should I take the lump sum option from my pension or turn on the monthly income?

You may only have to navigate these complex scenarios once in your life. We can simplify the process and help bring clarity to your questions.

Gifting Strategies

Most investors are familiar with these common gifting strategies:

  • Donation of highly-appreciated stock
  • Donor Advised Funds (DAFs)
  • Qualified Charitable Distributions (QCDs)
  • Transfer at death

However, the timing and details of these strategies (and others) are essential. Let us help you make the most of your giving goals by designing a strategic giving plan

Wealth Transfer

Transferring wealth to the next generation does not need to wait until death. In fact, there are many benefits of beginning a wealth transfer strategies during life. Let's talk about it.

Guardian Portfolios

Professional Investment Management

For investors with fewer assets, fewer complexities or those just getting started, Guardian Portfolios provides professional investment management that mirrors the investment strategies available to Guardian Wealth Strategies' fully integrated clients. Guardian Portfolios offers an ideal entry point of services for younger business professionals and family members of Guardian Wealth Strategies.

Investment Management

Guardian Portfolios make the same research-backed investment disciplines used by accredited investors available to investors with fewer assets and to those who are just getting started.

Employer Benefit Plan Review

A fiduciary advisor can review your current employer sponsored plan (i.e. 401(k), 403(b), ESPP, ESOP, etc.) and help you take full advantage of your benefits and keep it coordinated with your other accounts and your long-term plan.

Education Funding

Knowing the pros and cons of 529 Plans and other education savings tools can give you the confidence you need to succeed. Let us teach you about your best options.

Connect with us today!

(952) 746-1746

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