Guardian Financial, Inc.

The firm provides discretionary asset management and portfolio management services to individual and high‑net‑worth clients, managing roughly $77.1 million across about 248 client relationships. It delivers investment programs through Envestnet’s third‑party strategist network and wrap‑fee offerings and generally charges percentage‑of‑assets fees.

The firm implements strategies by selecting third‑party money managers and model portfolios on the Envestnet platform, retaining discretion to change managers or portfolios based on client suitability and performance, and uses fundamental, technical and cyclical analysis in its recommendations. Clients receive quarterly performance and account statements and periodic reviews; the firm typically applies a $250,000 account minimum but may waive it.

Noteworthy distinctions include an unusually high client‑to‑advisor ratio (more than 200 clients per advisor) and an affiliated insurance practice: the firm’s principal is a licensed insurance agent and insurance commissions are disclosed as a material source of revenue (approximately 35%), with a portion of the principal’s time devoted to that business. The firm discloses these potential conflicts, notes its fiduciary obligations, and relies on Envestnet’s centralized execution, billing and reporting to support its operating model.