Guardian Solutions is a registered investment advisor based in Cherry Hill, New Jersey, owned and operated by Rafik Ghazal. The firm offers two primary services: portfolio management and financial planning. Portfolio management is customized to each client's goals and risk tolerance, utilizing stocks, mutual funds, index funds, exchange-traded funds, bonds, and options, with management available on either a discretionary or non-discretionary basis. Financial planning services range from comprehensive written financial plans covering retirement, taxes, estate planning, and insurance, to targeted consultations on specific topics. Guardian Solutions focuses on individuals, families, small businesses, and non-profits, charging fees based on a percentage of assets under management or fixed/hourly rates for planning. Representatives of Guardian Solutions may also act as licensed insurance agents and sell insurance products for a commission, creating a potential conflict of interest.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $500K | 3.00% |
| $500K - $1.0M | 2.50% |
| $1M+ | 1.75% |
Fees may be negotiated in certain situations when other forms of compensation are involved.