How we work —
and who we answer to.
Anyone can list services. What matters is the standard behind the advice, how the advisor is paid, and whether you're told the truth when the answer isn't profitable. Here's exactly how we operate.
Not all advisors
are the same.
A fiduciary is legally required to act in your best interest at all times. A non-fiduciary is held to a lower “suitability” standard — a recommendation only has to be suitable, even when a better or lower-cost option exists elsewhere.
Guardian Financial, Inc. is a Registered Investment Adviser. That fiduciary duty isn't a marketing line for us — it's the legal standard we're held to on every recommendation we make.
Ask any advisor how
they get paid.
If the answer takes more than a sentence, keep asking. Here is ours, in full.
Fee-based. No product commissions.
On the securities side of our business, Guardian Financial, Inc. is a fee-based Registered Investment Adviser. Our advisory compensation is the fee our clients pay us — we do not earn commissions on the investment recommendations we make.
That means the recommendation to hold, to sell, to stay in cash, or to do nothing at all costs us exactly the same as the recommendation to buy. There is no product we get paid more to put you in.
Commission-based, and we say so.
Insurance products — life, annuities and long-term care — pay a commission from the insurance carrier. That is simply how insurance works industry-wide, ours included, and those products are offered through our affiliated company, Guardian Financial Advisors and Associates, LLC.
We'd rather you hear that from us up front than discover it later. If we ever recommend an insurance product, we'll tell you plainly that it pays a commission, why we believe it fits your plan, and what the alternatives are — including doing nothing.
Some firms bury this distinction. We put it on its own page, because a client who understands how their advisor is paid is a client who can judge the advice for themselves.
Discover. Design. Deliver.
Three steps, no obligation at any point. You'll know whether we're the right fit before you commit to anything.
Discover
We start with a fifteen-minute phone call — your goals, your concerns, and what retirement should actually look like for you. If it makes sense, we schedule a longer sit-down from there.
Design
We build a coordinated plan across income, investments, taxes, health care and estate — then walk you through it line by line, in plain English.
Deliver
We implement the plan and meet regularly to review and adjust. Implementation is the beginning of the relationship, not the end of the sale.
Nothing to prepare.
Nothing to sign.
Most people put off the first call because they assume it's a sales meeting, or that they need their paperwork in order first. Neither is true. We start with a short phone call — nothing to bring, nothing to prepare.
Start with a call
Fifteen minutes on the phone before anyone drives anywhere.
No cost
There is no charge for the introductory call, and no obligation to continue.
No products
Nothing is recommended or sold on the first call. We're both deciding on fit.
You'll meet leadership
You speak with Tony or Brady directly — not a junior rep or an appointment setter.
We fly to meet
our clients.
Tony and Brady are both licensed pilots. When a client lives two states away, we don't schedule a video call — we file a flight plan. Home based in Northwest Arkansas, serving families coast to coast.
Gold states = clients we serve
Now you know how we work.
The next step is a fifteen-minute phone call. No pitch, no paperwork — just a straight read on where you stand.
1401 SE Walton Blvd., Suite 201Bentonville, AR 72712
The firm is a registered investment adviser with the state of Arkansas and Missouri, and may only transact business with residents of those states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training.
Full Disclosure
Advisory services are offered by Guardian Financial, Inc., a Registered Investment Advisor in the state of Arkansas. Insurance products and services are offered through Guardian Financial Advisors and Associates, LLC, an affiliated company.
The firm is a registered investment adviser with the state of Arkansas and Missouri, and may only transact business with residents of those states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training.
Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. None of the information contained on this website shall constitute an offer to sell or solicit any offer to buy a security or any insurance product. Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions.
Any references to protection benefits, safety, security, steady and reliable income, or lifetime income on this website refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by insurance company. Annuities are not FDIC insured.
The information and opinions contained in any of the material requested from this website are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.
20 Must-Answer Questions
On Your Journey to Financial SuccessBe honest with yourself — your answers reveal exactly where a coordinated plan can help.