Guardian Elite Portfolios
A Personalized Approach to Meet Your Financial Goals
When developing a financial plan for its clients, Guardian Capital, LLC utilizes the concept of Modern Portfolio Theory (MPT) to inform its recommendations and create a personalized approach in a way that is beneficial for each individual client. Based on MPT's system of balancing investor risk with a 60/40% mix of investments into equities and bonds, Guardian utilizes an initial "Financial Risk Analysis" to understand a client's current financial health and recommend a go-forward approach approach that aims to limit market exposure risk, as well as seeks to maximize the growth of invested assets. This approach results in a general mix of 60/35/5% for invested assets, CDs and annuities, and liquid funds, respectively. This strategy aims to both balance growth and segregate the market risk that any individual client is exposed to.
For a long-term timeframe (10+ years), Guardian places a client's invested assets in a growth-oriented portfolio consisting of blue-chip stocks (both growth and defensive-style companies), ETFs, and mutual funds. Because these funds are only part of a client's financial picture, the remaining assets are allocated according to the above-described ratio.
Assets required in a medium-term time frame (2-10 years) are placed in fixed income vehicles. Guardian does not, typically, utilize bond mutual funds, which correlate with equity mutual funds in a declining market, but instead places client funds in CD or annuity products to remove market risk. In addition to removing market risk, this strategy ensures that a management fee is not charged on these assets, saving the client money.
The remainder of client funds, 1-5% depending on the amount of investable assets, are held in checking accounts, money market funds, or other liquid assets to ensure clients' short-term (<2 years) needs are met.
Through this approach, Guardian has been able to ensure the unique financial needs of each individual client are met by separating risk and allowing participation in the market to the extent that is appropriate.
For a long-term timeframe (10+ years), Guardian places a client's invested assets in a growth-oriented portfolio consisting of blue-chip stocks (both growth and defensive-style companies), ETFs, and mutual funds. Because these funds are only part of a client's financial picture, the remaining assets are allocated according to the above-described ratio.
Assets required in a medium-term time frame (2-10 years) are placed in fixed income vehicles. Guardian does not, typically, utilize bond mutual funds, which correlate with equity mutual funds in a declining market, but instead places client funds in CD or annuity products to remove market risk. In addition to removing market risk, this strategy ensures that a management fee is not charged on these assets, saving the client money.
The remainder of client funds, 1-5% depending on the amount of investable assets, are held in checking accounts, money market funds, or other liquid assets to ensure clients' short-term (<2 years) needs are met.
Through this approach, Guardian has been able to ensure the unique financial needs of each individual client are met by separating risk and allowing participation in the market to the extent that is appropriate.