Our Financial Planning and Retirement Services

Guardian Financial Group pairs our clients' needs with the proper tools and strategies to achieve their financial goals. We assist in facilitating the proper rollover of 401(k)s, creating tax-free wealth accumulation, safeguarding retirement accounts from a multitude of risks including market volatility and a negative sequence of returns, helping to remove the stress of running out of money in retirement, exploring alternative college savings plans with our clients, and helping our clients protect their legacy by making sure their lives are adequately insured. Our group has the resources and strategies to accomplish your wealth planning and retirement goals.

401(k)
Rollovers

In 2015 alone, Americans lost track of $7.7 billion worth of retirement savings by “accidentally and unknowingly” abandoning their 401(k)s. Many others lost some of their 401(k) funds from an improper post-employment handling of them. At Guardian Financial Group, we assist our clients in handling their old 401(k)s so that they avoid unnecessary tax consequences. We also help them protect the growth they've enjoyed in those accounts as well as structure their accounts for fee-free growth opportunities.

Retirement
Protection

There are many risks that you can be exposed to in your retirement account. Some can decimate your account leaving you without money in the later years of your retirement, while others can slowly rob you of years of retirement income. Guardian Financial Group works to protect your retirement accounts from these risks by reducing or eliminating them completely.

Wealth Accumulation

Guardian Financial Group implements strategies that allow our clients to experience growth from market gains without being subject to the risk of market losses by using unique interest crediting strategies to grow our clients' accounts. This strategy allows clients to experience wealth accumulation without a multitude of risks.

Tax-Free
Accumulation

The only tax-free growth opportunity most Americans are familiar with is the Roth account. The problem is, Roths have limits and restrictions and many Americans are excluded from contributing to one due to their high incomes. Fortunately, our professionals can not only help clients create and grow a Roth account, but can also provide them with multiple strategies where they can enjoy tax-free growth, allowing them to use their money both now and in retirement.

Education
Funding

While most advisors will sell you on the benefits of 529 plans, we look at alternative tax-free distribution options with our clients because there are many downsides to 529 plans. The rules on 529 plans are strict and the funds must be used for qualified educational expenses, such as tuition. What if your child decides they don't want to go to college? We have a plan for that, but a 529 plan doesn't. In addition, 529s count against you for federal student aid.

Lifetime
Income

Far too often retirees are faced with the reality of running out of savings in retirement and either have to adjust their lifestyle to meet the unexpected lack of savings or have to re-enter the work force late in retirement. At Guardian Financial Group,  we show our clients how to have lifetime income without the stress of out-living their money.

Risk
Management

It's estimated that 44% of American households would encounter significant financial difficulties within six months if they lost the primary wage earner in their family, and 28% would reach this point in one month or less. Those are scary numbers. Unfortunately, 82% of Americans overestimate the cost of a life insurance policy, with the majority incorrectly guessing the cost to be three times as high. With how inexpensive term life insurance is, there's no reason to delay discovering what it would cost to cover your family when the cost of not covering them could be exponential.

The Proper Retirement Focus

Most people have the wrong goal in mind when it comes to retirement. They believe they need to achieve a certain dollar amount (say $1 million plus) and they’ll be set for the rest of their lives. That mindset is pushed by financial advisors usually suggesting that you live off of a 3-4% withdrawal per year plus a little more for inflation. That’s their “plan” and of course it would be because the more money they manage, the more money they make. That’s not the way you should look at retirement. The ultimate goal of retirement is to guarantee that you will have money coming in every year to sustain your current lifestyle for the rest of your life.

REQUEST A FREE TERM QUOTE

Schedule an appointment with our group today to discuss what proper planning can look like for you and how we can achieve your goals.

Frequently Asked Questions

What does financial planning include?

Financial planning typically involves evaluating a person’s overall financial situation and developing strategies to address goals such as retirement planning, risk management, tax efficiency, and long-term financial stability.

How are financial planning strategies selected?

Strategies are selected based on an individual’s goals, time horizon, risk tolerance, and overall financial circumstances. Different approaches may be used depending on priorities such as income planning, risk reduction, flexibility, or long-term growth.

Are financial planning strategies customized?

Yes. Financial planning is not a one-size-fits-all process. Strategies are tailored to align with each person’s unique situation, objectives, and long-term priorities.

How does financial planning help address retirement risks?

Financial planning helps identify and manage common retirement risks such as market volatility, income uncertainty, rising healthcare costs, and the impact of a negative sequence of returns. Addressing these risks can improve long-term financial resilience.

Do financial plans need to be reviewed over time?

Yes. Financial plans should be reviewed periodically to ensure they remain aligned with changing goals, market conditions, and personal circumstances. Ongoing adjustments help maintain effectiveness over time.