Firm Info
Firm Size
Services Offered
- Financial Planning
- Portfolio Management for Individuals & Small Businesses
- Portfolio Management for Businesses or Institutional Clients
Types of Clients
- Individuals (Not High Net Worth)
-
Individuals High Net Worth
*>=750k in Investable Assets or >=1.5m of Estimated Total Net Worth
- Pension & Profit Sharing Plans
- Charitable Organizations
Available Fee Structures
- Percentage of Assets Under Management (AUM)
Guardian Investment Management Overview
Guardian Investment Management is an investment advisory firm that has been providing financial planning and portfolio management services since 1976. The firm is headquartered in Tiburon, CA and operates as an investment advice only firm. They have a fee-based fee arrangement, meaning that their fees are charged as a percentage of the assets they manage. Guardian Investment Management offers a wide range of services to their clients, including financial planning and portfolio management for individuals and small businesses. They also provide portfolio management services for businesses or institutional clients. Their portfolio management services are designed to help their clients achieve their investment goals by providing customized investment strategies and ongoing portfolio monitoring. With over 40 years of experience in the industry, Guardian Investment Management has earned a reputation as a trusted advisor that is committed to helping their clients achieve their financial goals. Their team of experienced professionals is dedicated to providing personalized service and investment solutions that are tailored to the unique needs of each client. Whether you are an individual investor or a small business owner, Guardian Investment Management has the expertise and resources to help you achieve your financial goals.
Guardian Investment Management is a firm that caters to a variety of clients, ranging from individuals to high net worth individuals and even charitable organizations. They understand that different clients have different needs and objectives, and therefore offer personalized solutions to meet their unique requirements. Their clients include retirees, executives, business owners, and institutions such as pension or profit sharing plans. Their services are designed to help clients achieve their long-term financial goals, whether it is wealth preservation, income generation, or capital growth. When it comes to fee structures, Guardian Investment Management offers a range of options depending on the specific service provided. For their wealth management services, they charge a percentage of assets under management. This fee is typically calculated as a percentage of the total assets managed and is paid on an ongoing basis to cover the firm's services. For other services such as financial planning, estate planning or tax preparation, they may charge a flat fee or hourly rate. The fee structures are designed to be transparent, cost-effective and aligned with the best interests of the clients. Guardian Investment Management values their clients and strives to provide exceptional service and expertise to each client, regardless of their portfolio size or complexity.
Typical Clients, Fee Structures & Investment Minimum
The investment minimum for Guardian Investment Management is $1,000,000 as stated in their Part 2 Brochure. However, the note also mentions that under special circumstances, smaller accounts may be accepted. While most of their clients are individuals, the firm also works with trusts, charitable foundations, retirement plans, estates, and corporations.
How This Office Can Help Tiburon, CA Residents
Guardian Investment Management provides personalized and comprehensive financial planning solutions to clients in Tiburon, CA. The firm offers a range of services, such as retirement planning, asset management, tax strategies, and estate planning, to help clients achieve their financial goals. With over 20 years of experience in the financial industry, Guardian Investment Management has the expertise to guide clients through complex financial challenges and help them make informed decisions. Tiburon, CA, is an affluent town located in Marin County, known for its scenic beauty and proximity to San Francisco. With high property values and living costs, residents of Tiburon may face unique financial challenges, such as managing their wealth, planning for retirement, minimizing tax liabilities, and preserving their estate. Guardian Investment Management understands these challenges and collaborates with clients to create customized financial plans tailored to their specific needs and goals. By providing ongoing support and guidance, Guardian Investment Management enables clients to make sound financial decisions and achieve financial security and peace of mind.
Services Offered by Guardian Investment Management
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 Investment Management 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.
Unavailable
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.
Subscription (Newsletter or Periodical)
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.
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
Other Office Locations
This firm has no other locations.
State Registrations
Guardian Investment Management is registered to service clients in the following states:
- California
- Florida
- Mississippi
Disciplinary History
Guardian Investment Management does not have any disclosures. Please visit it's Form ADV for more details.