Guardian Solutions

Guardian Solutions provides portfolio management and financial planning to individuals as well as small businesses and non-profits. Services include discretionary and non-discretionary portfolio management across stocks, mutual funds, ETFs, options and bonds, plus comprehensive financial plans, annual reviews, and separate planning consultations.

The firm combines fundamental and technical analysis, using stock screeners and charting tools, and monitors client accounts daily while generally seeking discretionary trading authority to implement its recommendations; it recommends Interactive Brokers as its primary custodian. Active strategies can include options and, in rare instances, private placement recommendations, and the brochure emphasizes the market, transaction and tax risks associated with those strategies.

A notable feature is that a principal of the firm is also licensed as an independent insurance agent and the adviser and its representatives may sell insurance products and receive commissions; the brochure discloses this potential conflict, requires disclosure to clients, and notes clients may purchase recommended insurance elsewhere or receive a reduction in advisory fees at the adviser’s discretion if they purchase through the firm. The firm also disclosed that it was newly formed and, at the time the brochure was prepared, had not yet commenced operations or reported assets under management, reflecting a very small client base and limited operating history relative to peers.