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. 

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.