Johnson City, TN Office

Guardian Wealth Management advises individual and high-net-worth clients through discretionary asset management and financial planning and consultation services. Portfolios are generally built with mutual funds and exchange-traded funds, while planning engagements cover investment, retirement, estate, charitable and education planning as well as business-focused areas such as tax planning, cost segregation studies, corporate structure and real estate analysis.

The firm emphasizes continuous supervision with periodic portfolio reviews and rebalancing—applying Modern Portfolio Theory and efficient-frontier concepts to construct diversified allocations—and typically holds short-term cash in money market funds, FDIC-insured deposits or short-duration municipal bond funds. Clients receive tailored advice under either asset management or planning engagements, although the firm usually does not accept client-imposed restrictions on specific securities.

Noteworthy features include part-ownership by a CPA firm (Mauldin & Jenkins) and formal platform relationships with custodial and institutional providers (Schwab Institutional and Dimensional), as well as an uncommon custody posture arising from client-authorized access to held-away account credentials for aggregation and management, which the firm discloses and monitors. Guardian also discloses oversight of third-party service providers that use artificial intelligence and machine learning and combines that oversight with business-oriented advisory capabilities—an operational mix that differs from many peers; the firm has operated as an investment adviser since 1997.