Financial Guidance Investment Advisers, Inc.

The firm provides investment advisory and financial planning services to individuals, corporations, tax‑exempt charitable organizations, and retirement plans, offering portfolio management, retirement plan consulting, and periodic financial planning or consulting engagements. It manages client accounts primarily on a non‑discretionary basis and also assists with held‑away defined contribution accounts through a third‑party connection that enables review and rebalancing without taking custody.

Investment approach emphasizes long‑term, fundamental analysis and construction of portfolios using low‑cost, diversified mutual funds, with occasional use of individual stocks, bonds, and other instruments as appropriate to client objectives and risk tolerance. For retirement plans the firm offers limited‑scope ERISA 3(21) fiduciary services, including investment policy development, periodic monitoring, and recommendations while plan sponsors retain the final selection authority.

Distinctive features disclosed in the brochure include formal affiliations with an insurance agency and a separate tax/accounting firm, and the firm’s receipt of insurance commissions and compensation for tax preparation and accounting services. The firm reports its assets as entirely non‑discretionary (Discretionary $0; Non‑discretionary $52,773,373 as of December 31, 2025) and explicitly lists pension consulting and charitable organization clients, a combination that is relatively uncommon among peers.