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OUR APPROACH
Our approach is not a one-time solution—it's a dynamic, evolving strategy that adapts to changes in the economy, markets, and your personal situation.
A Strategic & Continuous Process
Professional & Structured Approach
Clear steps to guide your financial journey
Personalized Risk-Managed Strategies
Tailored strategies to help grow and preserve your wealth
Ongoing Monitoring & Adjustments
Ensuring your plan stays aligned with your evolving goals


OUR PROCESS
our process
At Guardian Capital Advisors, we follow a structured, professional approach to financial planning. Our six-step process ensures clarity, strategic execution, and ongoing adjustments to keep you on track toward your financial goals.
Establish
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Initial Consultation (In-person or Zoom)
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Determine if our business model and method align with your needs
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Discuss financial priorities, concerns, and long-term objectives
Evaluate
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Clarify Financial Goals & Objectives
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Assess how you think and feel about money
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Review Balance Sheet (Assets & Liabilities)
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Cash Flow Analysis – Understanding income and expenses
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Discuss tax implications and risk tolerance
Optimize
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Evaluate current financial practices & strategies
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Identify strengths, weaknesses, and opportunities for improvement
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Provide insights into best practices for tax efficiency, investment growth & risk management
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Review existing estate plans and insurance coverage
Develop
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Create a customized financial roadmap
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Define specific strategies for:
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Increasing cash flow
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Minimizing taxes (income & estate)
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Maximizing retirement income
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Preserving assets & wealth
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Determine the suitable mix of investment options (mutual funds, ETFs, annuities, > stocks, life insurance, managed portfolios)
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Establish an estate planning strategy
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Implement
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Finalize and present your comprehensive financial strategy
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Provide full disclosure of fees, risk considerations, and investment structure
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Execute asset allocation > strategy & begin investing
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Implement estate planning solutions
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Align strategy with evolving financial regulations
Keep
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Daily Monitoring of portfolios and financial trends
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Quarterly Review Meetings to track progress
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Ongoing Market Updates to adjust strategies as needed
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Portfolio Rebalancing > & Adjustments based on market changes
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Legislation & Tax Policy Reviews to optimize financial decisions
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Evaluate life changes and adjust the financial plan accordingly
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