T
The Guardino Financial Group
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
0
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
0
Very LowAverage account size
—
About
The firm provides financial planning and related advisory services to individuals and families, including high-net-worth clients, delivering written financial plans and recommendations that may include specific mutual funds and exchange-traded funds. It does not act as a custodian or manage client assets directly; implementation of recommendations is at the client’s discretion.
The firm’s advice is grounded in Modern Portfolio Theory and strategic asset allocation, emphasizing globally diversified, low-cost and tax-efficient passive funds, a long-term buy-and-hold orientation, and occasional tilts toward small-cap and value exposures. It draws on academic research and proprietary analysis to build strategic allocations and offers periodic plan reviews (including an initial review cycle and ongoing annual reviews).
What is distinctive for a firm in the investment-manager category is the breadth of non-advisory licenses and activities: the principal is also licensed to sell life and property-and-casualty insurance, is licensed as a real estate broker/mortgage consultant, and may receive separate commission compensation when clients implement insurance or mortgage recommendations. The firm also charges fees on an hourly or project basis rather than taking percentage-of-assets-under-management compensation, and it reports that it does not provide custody or discretionary investment management.
Client services
Financial planning
Expertise
General retirement planning
General tax planning
General estate planning guidance
Life insurance needs analysis
Fee options
Separate but customary commissions for insurance and mortgage transactions, if clients implement those services through the firm
$175.00 per hour
Fee-only: $175.00 per hour; total fees generally range from $1,000 to $15,000 depending on scope
Main office location
The Guardino Financial Group
1313 N. Milpitas Blvd., Ste. 141
Milpitas CA 95035, United States
Number of offices
1
Most active in
The Guardino Financial Group has reported serving >5 clients in these states in the last 12 months.
California
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Real estate agent
They facilitate real estate transactions and may earn commissions.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
Forms ADV
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