As a Fiduciary, We're Committed to Caring for Your Personal & Financial Well-Being

Where Your Financial Future Is Concerned, We Believe In...

Listening to Your Needs

Formulating Unbiased Advice

Providing Strategies Without Influence

As a Fee-Only Registered Investment Advisor

We Provide Truly Independent Advice

Whether you’re an individual or corporation seeking recommendations surrounding your retirement plan or trust, Guardian Wealth Advisors works with clients just like you to approach your unique needs. Our estate, tax, financial planning and investment assessments are rooted in objectivity, backed by experience and intended to align your financial goals.

Fee-based Registered Investment Advisor Bloomington, MN Guardian Wealth Advisors

Key Elements to Our Wealth Management Strategy

Clearly Defined Goals & Objectives

Wealth management means more than just an investment plan. Your unique needs may range from succession and estate planning to counseling on financial matters affecting future goals. This means the success of our relationship and selection of your investment strategy hinges on getting to know you and clearly identifying your needs.

Detailed & Understandable Investment Strategy

Once your goals are developed, we will create a personalized investment strategy that is used to guide your comprehensive wealth picture. This often includes a review of investments, balance sheet and financial planning scenarios. These details are reviewed at least annually in response to changes throughout your life.

Optimal Investment Management

We believe that diversified portfolios of stocks and bonds are the cornerstones of a long-term investment plan and that the impact of diversification to pursue future financial goals cannot be underestimated. We, therefore, seek to develop and document a diversified investment strategy based on your long-term goals and objectives, unique needs and risk profile.

Cost-Efficient Implementation and Maintenance

We believe that cost-efficient management is critical to the long-term success of a portfolio and that by seeking to eliminate inefficient portfolio expenses, we can increase the chance of success. Guardian’s investment team is experienced in working with available structure and cost efficiencies involved in the portfolio management process.

Unmatched Client Service

For over two decades, the Guardian Wealth Advisors team has handled the unique needs of our clients, often in concert with their trusted professionals. We believe in proactive communication and strive to distinguish ourselves through dedicated and thoughtful service.

A Few Questions You May Have in Mind

We’re Big Advocates That No Concern Is Too Small

How Do You Handle My Investments?

Our Process

Using a clear process, we work with you to develop your needs and help select the path to building your portfolio.

How Do Your Fees Work?

Our Fees

Fees can play a critical role in the success of an investment plan. As a fee-only advisory firm, we believe in transparency from the start.

What Else Can You Help Me With?

How Else We Can Help

Beyond our initial investment management services, we offer distinct solutions to clients with varying needs. From estate planning to insurance reviews, you can count on us.

Learn More

Learn What It Means to Work With

Guardian Wealth Advisors

Meet Your Team at Guardian Wealth Advisors

Schedule Time to Meet With Us

Greg Kulka

Senior Wealth Advisor

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Greg Kulka

Senior wealth Advisor

As the Senior Financial Advisor, I have the privilege of leading my team at Guardian Wealth Advisors. I have been counseling clients in wealth management, paying particular attention to their risk tolerance and cash flow needs since 1987. My mission is to use my investment and financial planning experience to help others and build strong, long-term relationships with my clients. Almost everything in our lives is affected by our financial decisions and sometimes you just need someone to talk to - I am happy to be that someone.

I graduated with my degree in communications from the University of Minnesota and began my career in 1987 at Dain Bosworth in Edina, Minnesota. Prior to my current position, I was the Executive Vice President of Twin Cities-based Kopp Investment Advisors. There, I played an integral role in the growth and management of $8.9 billion through private client relationships and a family of mutual funds. While I have experienced the Crash of ’87, the events of 9-11, the Great Recession and a pandemic, I consider my most valuable experience to be hearing and feeling the emotions we have during times of turmoil.

I am a lifelong Twin Cities resident, along with my wife of over 40 years, Mari, and our son, Ryan. When I’m not working or spending time with family, I volunteer for many non-profit organizations in the Upper Midwest. I am proud to have been asked to mentor aspiring female executives through Mentium, a career non-profit. I also love both sports and traveling. I’ve coached youth hockey in very cold rinks in Canada, climbed down steps into the crypts under the Great Pyramids in Egypt and stood inside the tomb of Jesus in Jerusalem… and I’m not done exploring yet.

John Keyes

Senior Wealth Advisor

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John Keyes

Senior Vice President, Senior wealth Advisor

With over 30 years of investment management experience, I proudly serve individuals, corporations and institutional clients with their financial needs. I enjoy working with my amazing clients while continuing to learn. By studying the markets I’m able to determine how to set up our clients’ investments in ways most likely to help them achieve their financial goals and dreams.

A long-time Minneapolis resident, I received my Bachelor of Science degree in Business from Marquette University in Milwaukee and my MBA in Finance from the University of Chicago. I went on to gain experience in accounting and finance for Procter & Gamble, and I now know a fair amount about making toothpaste. I’ve been in the investment world for over 30 years, working at local investment firms and teaching finance at St. Catherine University and Metropolitan State University. Before my role at Guardian Wealth Advisors, I was a Portfolio Manager and Director of Marketing and Client Services at Kopp Investment Advisors.

Outside of work, you can find me running, biking, reading books, listening to music and volunteering.

Eric Becker, AAMS®

Senior Wealth Advisor

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Eric Becker, AAMS®

president, Senior Wealth Advisor

I believe the cornerstone of a successful client/advisor relationship is the mutual trust and respect that develops over time. I am deeply committed to helping clients realize their long-term financial goals. A comprehensive approach to wealth management, financial planning, and portfolio construction is so important for individuals and families, specifically pre-retirees and retirees. With a keen focus on consistent and valuable communication, I work diligently to assist clients with exceptional customer service and the intention of being their trusted wealth advisor for life.

Prior to beginning my career in financial services in 2019, I worked in corporate finance and analytics with some of the biggest brands in the world. In fact, my former boss was the one and only Mickey Mouse! I received my undergraduate degree from the University of Minnesota’s Carlson School of Management.

Originally from Beaver Dam, WI, I am active in the community as a volunteer for organizations such as MN ADOPT, where I currently serve as its Treasurer, and Rosemount Rotary, having served as its President from 2021-2022. I enjoy golfing, traveling, and spending as much time as possible with my family. My wife, Melissa, and I have one child, Dakota, who is the light of our lives.

Susan Loschenkohl

Vice President, Operations

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Susan Loschenkohl

Vice President, Operations

As the Vice President of Operations, I have over 30 years of experience in the investment management business. I am proud to work on a relationship-focused team where getting to know our clients is a top priority. I believe that building long-term relationships end up benefiting our clients not only on a day-to-day basis but also help them through both their best and worst moments. In the office, I wear many hats. I’m responsible for Guardian’s marketing and brand development, as well as ensuring that all reports and client invoices are accurate. As the resident technology geek, I’m also our in-house resource for technology systems and applications.

I graduated magna cum laude from the University of Minnesota with a double major in international relations and Scandinavian studies with a minor in Danish. In 1993 I went on to join Kopp Investment Advisors working in the marketing department. I gained experience on the front lines as a resource for clients and brokers wanting to learn more about our in-house mutual funds, learned graphic design through our marketing campaigns and became the in-house designer.

When I’m not at work, you can find me outside with a camera or garden spade in hand. I’ve been taking pictures since I got my first film camera at age 11, and have been pulling carrots out of the ground even longer. I love to travel, especially back to Denmark where 90% of my extended family still lives. Within the states, I often travel to California where all of my in-laws live. I’m also proud to be a volunteer and board member of the Danish American Center.

Barb Abel

Associate Vice President, Operations

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Barb Abel

Associate Vice PresidenT, Operations

As the Associate Vice President of Operations, I am your go-to for account openings, funds transfers, account servicing needs and any general assistance that you may need. I have a strong belief that it is important for everyone to feel secure in their financial future. Even if I can help just a little with getting the ball rolling for our clients, it makes my job very rewarding.

I graduated from Winona State University with my Bachelor of Arts degree in Sociology and a minor in Psychology. I got a job related to my degree as a counselor at a group home for 2 years, then started working part-time in an office as well. I realized that I truly enjoyed the ‘office’ part of my job, specifically the structure of the day and the paperwork. In 1992 I started my first financial-related job at Kopp Investment Advisors where I worked for over 15 years. Now, I have been with Guardian Wealth Advisors for 14 years. The office job turned out to be a good choice!

In my free time, I like to read, make photo books and try new recipes. I enjoy going on daily walks outside with family, friends or alone while I listen to my audiobooks. My husband and I have had the joy of raising 2 children together. Our kids were very involved in volleyball and hockey when they were younger, and then choir and musical theater in later years. Now, they are all grown up and we love taking yearly cruises and spending time at the family cabin in northern Minnesota.

Anedra Lee

Client Operations Associate

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Anedra Lee

client operations associate

As the Client Operations Associate, I have over seventeen years of experience in the financial industry. I am thrilled to be a part of Guardian Wealth Advisors and facilitate the needs of our clients.

I graduated from Bethany Lutheran College in Mankato with a Bachelor of Arts degree in Communications. After graduation, I moved to Eagan, Minnesota and began my career at RBC Wealth Management. I started on the managed accounts team in 2006. My experience there led me to the portfolio implementation team, where we managed more than 34,000 accounts and $7.5 billion in assets. I played an integral role in the team's growth, which led me to receive the “Quarterly Award of Excellence” and the highly coveted “Annual Award of Excellence.” I also gained operational experience at Ameriprise and Riverbridge Partners.

I grew up in a small town called Sleepy Eye, Minnesota. I enjoy traveling back there to see my family and take a break from city life. In my free time, I enjoy making jewelry, painting, cooking, taking advantage of the lakes in Minnesota, traveling, Vikings football, volunteering for various organizations, listening to music, karaoke, and walking my yorkie-poodle, Zoey, who keeps me on my toes. In elementary, my mom signed me up for dance classes, and I participated in dance teams throughout college. I am trained in jazz, tap, and ballet dancing.

Taylor Moran

Portfolio Administrator

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Taylor Moran

Portfolio Administrator

As a passionate investment professional with a strong focus on portfolio management, I am dedicated to constructing portfolios that align with the best interests of our clients. With an eye on long-term market trends and a commitment to continuous learning, I enjoy counseling clients through an ever-changing financial landscape. Prior to joining Guardian Wealth Advisors, I spent five years at a Houston-based independent Registered Investment Advisory (RIA) firm as a research specialist and a year and a half at a regional bank as an investment performance analyst.

I received my Bachelor’s Degree in Finance from Concordia University and my MBA in Finance from Southern Methodist University’s Cox School of Business.

Prior to obtaining my finance degrees, I spent nearly eight years as a Hospital Corpsman in the U.S. Navy. During that time, I deployed with 2d Battalion, 10th Marines to Helmand Province, Afghanistan, ensuring the proper medical care of U.S. Marines and members of the Jordanian Army and Afghan National Army.

Outside of the office, I am an avid weightlifter, golfer, skier and a struggling musician. I reside in Apple Valley with my wife, Ellie, and our 3-year-old twins, Liam and Evelyn.

Our Experience Has Helped Shape Who We Are and How We Work With You

Guardian Wealth Advisors has served clients since 2007. Each member of the Guardian team brings a wealth of experience in the investment industry, ensuring you receive high quality service and advice.

25 years of experience in the investment industry Bloomington, MN Guardian Wealth Advisors

Registered Investment Advisor Bloomington, MN Guardian Wealth Advisors

What Does This Mean for You?

Utilizing our collective experience of more than a century, we focus on helping you assess and meet your goals today and in the future. With your unique aspirations in mind, we aim to ask tough and often uncommon questions in order to help us help you.

As a Registered Investment Advisor, we are held to a fiduciary standard. This means we must serve the best interests of our clients and not subordinate our clients’ interests to our own. We look forward to doing exactly that throughout the course of our relationship.

Registered Investment Advisors Versus Brokers

The Differences That Shape Your Experience

Registered Investment Advisors vs Brokers Bloomington, MN Guardian Wealth Advisors

Best Interest Vs. Suitability

We work only for our clients, not for a broker-dealer. Brokers are held to a suitability standard, which means they only need to provide suitable advice that may or may not be the absolute best for the client.

Advice Vs. Transactions

As an independent investment advisor, we recommend investments we believe are best, instead of whether the products we recommend are favored by a brokerage company or its affiliates.

Transparency Vs. Disclosure

Guardian Wealth Advisors provides full transparency of all our fees and costs. Whereas brokers can provide disclosure of their fees through a prospectus, we make it a point to discuss all aspects of our fees with you and ensure you receive quarterly reports detailing our fees.

Custody of Your Investment Assets (Who Holds My Money?)

We use an independent, third-party custodian for your assets. By doing so, you can crosscheck the records we provide you with records from the custodian on a quarterly basis. This helps to ensure that your money is where it needs to be at all times.

Custody of Your Investment Assets Bloomington, MN Guardian Wealth Advisors

Interested in Learning More About What We Do?

Discover How We Help

Let’s Establish and Approach

Your Unique Goals Together

Addressing the Financial Planning Needs of Individuals and Families Since 1987

For decades, our team has helped people define their financial goals and investment strategies. But, we believe that is only a small part of sound wealth management.

We help clients make sense of account structure and efficient investment vehicles, as well as effective tax and estate planning in concert with other trusted advisors such as attorneys and accountants. Our experience not only provides answers but thought-provoking questions intended to clarify and structure a lifetime of managing and transferring wealth.

Retirement Planning Bloomington, MN Guardian Wealth Advisors

Our Most Requested Services Include:

Wealth Management for Individual and Family Bloomington, MN Guardian Wealth Advisors

Wealth Management for Individual/Family Assets

Wealth Transfer and Gifting Bloomington, MN Guardian Wealth Advisors

Wealth Transfer and Gifting

Estate and Trust Counseling Bloomington, MN Guardian Wealth Advisors

Estate and Trust Counseling

Individual Retirement Options Bloomington, MN Guardian Wealth Advisors

Individual Retirement Options (IRA, SEP, 401(k), etc.)

Retirement Plan Rollovers Bloomington, MN Guardian Wealth Advisors

Retirement Plan Rollovers

Inherited Wealth Bloomington, MN Guardian Wealth Advisors

Inherited Wealth

Tax Coordination Bloomington, MN Guardian Wealth Advisors

Tax Coordination

What Else Can We Help You With?

Our Services Extend Past the Average Advisor

Beyond the Investment Plan

At Guardian Wealth Advisors, advising our clients on wealth issues involves more than just investment advice. Our clients consult with us about a wide array of financial matters concerning them today, as well as helping them plan for the future.

Included in our management fee and as a part of our service, you can expect wealth advice and counsel regarding:

Future Income Needs and Estimates Bloomington, MN Guardian Wealth Advisors

Future Income Needs and Estimates

Company Retirement Plan Coordination Bloomington, MN Guardian Wealth Advisors

Company Retirement Plan Coordination

Estate Planning Bloomington, MN Guardian Wealth Advisors

Estate Planning

Insurance Review Bloomington, MN Guardian Wealth Advisors

Insurance Review

Mortgage Assessment Bloomington, MN Guardian Wealth Advisors

Mortgage Assessment

College Saving Planning Bloomington, MN Guardian Wealth Advisors

College Savings Planning

Ready to Get Started Bloomington, MN Guardian Wealth Advisors

Ready to Get Started?

Schedule a Call to Begin

Guardian Wealth Advisors

Your Fee-Only Partners

After the development and approval of a personalized investment strategy consistent with your financial goals, we provide ongoing, fee-only discretionary investment advisory services.

Included in our management fee, and as part of our service, we provide advice and counsel regarding your current and future needs, review your company retirement plan, conduct mortgage assessments and reviews of insurance policies.

Fee-Based Partners Bloomington, MN Guardian Wealth Advisors

Our Tiered Fee Schedule

For New Clients Seeking Discretionary Investment Advisory Services

This fee is negotiable depending on a number of factors including but not limited to size of the account, the scope of services provided, and the type of assets being managed. For these services, we generally impose a minimum annual fee of $2,250 and generally require a minimum asset level of $250,000. Please see our ADV Part 2, Item 5 for a more complete description of fees and costs related to these services.

Assets	Annualized Fee
$250,000 - $2,000,000	0.90%
$2,000,000 - $5,000,000	0.75%
$5,000,000 +	0.60%

What to Expect Bloomington, MN Guardian Wealth Advisors

Our Fees Are Structured So That

We Do Better When Our Clients Do Better

Learn More About What to Expect

We Take a Tailored Approach to Your Financial Picture

Our working relationships are completely individual to who you are and the goals you have in mind. You’ll find that there are no cookie-cutter approaches to our recommendations and we base our solutions on listening, counseling and offering comfort when needed. Through our carefully crafted process, we’ll get to know you, your family and your needs.

Tailored Approach to your Financial Picture Bloomington, MN Guardian Wealth Advisors

The Guardian Process

Step 1: Assess & Define Your Plan

We find that sound investing begins with clear communication and understanding. Through an in-depth conversation, we’ll learn about your financial needs and goals in order to develop your personalized investment strategy. Together, we’ll take a look at your objectives, values, risk tolerance, income needs and more.

Step 2: Determine Who Holds Your Money

Before signing an agreement with us, we’ll ask you to select a custodian. In our experience, fees such as transaction costs are a determining factor in overall portfolio performance and should be scrutinized. Our preferred custodian is Charles Schwab. Recommendations of custodians and assistance selecting those custodians are available upon request.

Step 3: Implement Your Personalized Portfolio

Under our process, it’s critical to align portfolio investments with your long-term goals and objectives. When pursuing a successful and comfortable financial future, we believe strategies should be arranged to provide growth during the accumulation phase of one’s life and be adjusted to provide income to accommodate your changing financial needs.

Step 4: Maintenance of Your Plan

Over time, we will monitor your portfolio and make adjustments to the allocation mix, keeping long-term goals and current needs in balance. Current market conditions or economic factors may dictate changes to the target allocation of the portfolio. In addition, each personal strategy and plan is intended to be flexible based on life changes (retirement, inheritance, a growing family and health), or extraordinary needs that were not specifically anticipated at inception.

Step 5: Continuing Communication

Instead of waiting for you to reach out to us, the team at Guardian Wealth Advisors will regularly stay in touch with you to remain informed about your plan. Our goal is to keep you focused on your goals and your strategy up-to-date.

Communications and Defined Expectations Bloomington, MN Guardian Wealth Advisors