Firm Info
Firm Size
Services Offered
- Financial Planning
- Portfolio Management for Individuals & Small Businesses
- Pension Consulting Services
- Selection of Others Advisors
Types of Clients
- Individuals (Not High Net Worth)
-
Individuals High Net Worth
*>=750k in Investable Assets or >=1.5m of Estimated Total Net Worth
- Charitable Organizations
- Corporations or Other Businesses Not Listed Above
Available Fee Structures
- Percentage of Assets Under Management (AUM)
- Hourly
- Fixed Fees (Other than subscription)
Guardian Asset Advisors, LLC Overview
Wells Fargo Advisors Financial Network, LLC is a fee-based registered investment advisory firm headquartered in St. Louis, MO. The firm has been providing investment advice since it was founded in 2000. Wells Fargo Advisors Financial Network is a broker-dealer with the authority to sell additional financial products to clients, in addition to providing investment advice. The firm offers a comprehensive range of financial services to its clients. Their financial planning services are tailored to meet the needs of individuals and small businesses. They provide portfolio management services for both individuals and small businesses, as well as larger businesses or institutional clients. Wells Fargo Advisors Financial Network also provides pension consulting services for clients. Additionally, they offer selection of other advisors to help find the right financial professionals for their clients. Furthermore, Wells Fargo Advisors Financial Network is committed to providing investment consulting services to institutional clients. The consulting services are designed to help institutions develop and maintain an effective investment strategy, as well as provide ongoing support and guidance. Overall, Wells Fargo Advisors Financial Network is a comprehensive financial services provider with a wide range of offerings aimed at meeting the needs of their diverse client base.
Guardian Asset Advisors, LLC serves a diverse range of clients, including individuals seeking financial guidance, high net worth individuals with significant assets, charitable organizations looking to build a sustainable future, and other corporation types seeking expert financial management. Guardian Asset Advisors, LLC understands that each client has unique financial goals, and works tirelessly to create personalized solutions that meet their individual needs. Guardian Asset Advisors, LLC offers a variety of fee structures to meet the needs of their clients, depending on the level of service required. Clients can choose to pay a percentage of assets under management (AUM), which is the most common fee structure for investment management services. Additionally, clients may opt to pay hourly fees, which are charged for services like financial planning and tax consulting. Finally, fixed fees may be available for specific services, such as estate planning. Guardian Asset Advisors, LLC ensures that all clients fully understand the various fee structures and what they entail, in order to make informed decisions about their financial future.
Typical Clients, Fee Structures & Investment Minimum
According to Guardian Asset Advisors, LLC's Part 2 Brochure, the firm requires a minimum investment amount of $100,000 for their investment advisory services. The brochure notes that this minimum may be negotiable under certain circumstances, but does not provide any further details about what those circumstances might be. If a potential client does not meet the investment minimum, the brochure suggests that they may still be able to participate in the firm's services through a referral to an outside advisor or by exploring the firm's financial planning offerings instead.
How This Office Can Help Mechanicsburg, PA Residents
Guardian Asset Advisors, LLC is a full-service wealth management firm that assists clients in Mechanicsburg, PA, with a range of financial planning needs. Through personalized financial planning and investment management, the firm educates and guides its clients to achieve their financial goals. Clients in Mechanicsburg, PA, often come to Guardian Asset Advisors looking for guidance on how to build and maintain wealth, and how to prepare for life events such as retirement, college savings, or owning a business. One of the primary concerns of Mechanicsburg, PA residents is saving for retirement. Guardian Asset Advisors can help clients understand the options available to them, such as employer-sponsored retirement plans or individual retirement accounts (IRAs). Additionally, many clients in the area are business owners who need guidance on succession planning and business valuation. Guardian Asset Advisors can help business owners navigate these complex processes and make informed decisions about the future of their companies. Overall, Guardian Asset Advisors, LLC, provides comprehensive wealth management services to clients in Mechanicsburg, PA, ensuring a secure financial future.
Services Offered by Guardian Asset Advisors, LLC
Core Advisor Services
Financial Planning
Financial planning services encompass the process of devising strategies for your future financial well-being, including preparing for events such as retirement, funding your child's college education, or planning for the transfer of assets.
Portfolio Management for Individuals & Small Businesses
Portfolio management entails the careful selection and strategic management of investment combinations tailored to meet the needs of individuals and small businesses.
Market Timing Services
Market timing services involve the endeavor to generate short-term profits from investments by capitalizing on opportunities to buy at low prices and sell at high prices.
Other Services
Selection of Other Advisors
The firm provides support in selecting and engaging other advisors who possess specialized expertise to complement your financial needs.
Publication of Periodicals or Newsletters
The firm engages in the dissemination of diverse financial educational materials through the publication of periodicals.
Educational Seminars & Workshops
The firm organizes and conducts seminars or workshops aimed at enlightening investors on various financial concepts.
Fee Structures
Financial advisory fees usually are based on the services provided. Fee types charged by Guardian Asset Advisors, LLC most likely consist of the following fee types: asset-based, hourly or fixed. Wrap fee programs, or the practice of bundling services for a single fee, are not offered by the firm.
Available
Percentage of Assets Under Management (AUM)
This fee structure charges a percentage of the assets under management by the firm. Fee structures are often tiered based on the amount of assets managed, with higher AUM often charged a lower rate.
Between 0.50% and 2.00% of assets under management (annually), often lower for a robo advisor. Fees are typically charged quarterly by the firm and will show on your investment statement. View typical advisor costs here.
~96% of registered firms offer this fee structure.
If you have $1 million managed by a firm at a 1% management fee, you would be charged $10,000/year to manage your assets (or $2,500 per quarter). This would be automatically deducted from your investment portfolio.
Hourly
Similar to an attorney, a financial consultant might charge fees based on hourly rates. This fee structure can be advantageous when seeking specific or ad hoc advice.
Charges generally span from $150 to $400 per hour, depending on the extent of the services required.
~33% of registered firms offer this fee structure.
If you needed hourly consulting to sell a business or transfer your estate to your children but did not want your assets managed by a firm, you could consult a firm at an hourly rate to answer any questions you may have.
Fixed Fees (Other than subscription)
Fixed fees are a one-time, lump-sum payment rendered for a specific service, such as creating a financial plan without ongoing management or implementation. This option is beneficial if you solely require guidance for a particular objective rather than a long-term consultancy or asset management.
Fixed fees for creating a financial plan often range from $1,000 to $3,000.
~49% of registered firms offer this fee structure.
If you did not want a firm to manage your assets but needed to create a retirement plan, life transition plan such as divorce or loss of a spouse, estate transition plan, business financial plan, or any other financial planning, you could consult with an RIA firm to help you with the creation of that plan.
Unavailable
Subscription (Newsletter or Periodical)
Commissions
Occasionally, advisors are compensated through commissions by selling certain financial products, such as mutual funds or life insurance policies, or as a broker-dealer by facilitating the buying and selling of securities. Advisors who receive commissions may be incentivized to make specific suggestions to clients in order to secure a commission. Advisors who operate on a fee-only basis do not earn commissions, whereas fee-based advisors may do so.
Often 3% - 6% of the value of the security.
Only ~3% of registered firms say they offer this fee structure, but other advisors may receive “soft dollars”. Many mutual funds charge 12b-1 fees to cover the promoting and selling of the fund’s shares. While your advisor does not charge these fees, they may receive a kickback for recommending the investment.
An advisor selling their client on a life insurance policy and receiving a commission on the sale of that policy, or recommending a specific investment and receiving a kickback for that recommendation.
Performance-based Fees
Advisors typically obtain performance-based fees if a portfolio surpasses a predefined benchmark. This fee is determined through various methods, but is most commonly assessed as a percentage of investment gains. Performance-based fees may incentivize advisors to undertake riskier decisions in pursuit of generating higher returns.
“Two and Twenty” is common among hedge funds with a 2% management fee and a 20% incentive fee above the “hurdle rate,” or performance threshold the fund is compared against.
32% of registered firms offer this fee structure.
A hedge fund earns a 15% return with a 20% performance fee in above the performance of the S&P 500, which grew 7% that same year.
20% of fund growth in excess of S&P 500’s 7% growth for that year = 15% hedge fund growth - 7% S&P 500 growth = 8% difference x 20% = 2% performance fee (in addition to the management fee).
Other
Firms occasionally offer unconventional fee structures when charging clients. For more detailed information about a firm’s specific fee structures, please refer to their Form ADV and Part 2 Brochure.
Types of Clients
*The Securities & Exchange Commission defines someone as “high net worth” if they have $750,000 or more in investable assets or $1.5M of estimated total net worth.
This Office Location
- Mon 8:30 AM–5 PM
- Tue 8:30 AM–5 PM
- Wed 8:30 AM–5 PM
- Thu 8:30 AM–5 PM
- Fri 8:30 AM–4:30 PM
- Sat Closed
- Sun Closed
Other Office Locations
This firm has no other locations.
State Registrations
Guardian Asset Advisors, LLC is registered to service clients in the following states:
- Florida
- Maryland
- North Carolina
- Pennsylvania
- Texas
- Virginia
Disciplinary History
Guardian Asset Advisors, LLC does not have any disclosures. Please visit it's Form ADV for more details.