Guardian Wealth Management

What Guardian Wealth Management does

Guardian Wealth Management, LLC is a privately held registered investment advisory firm headquartered in Lakeland, Florida, focused on retirement-focused wealth management for individuals and pre-retirees in Central Florida. The firm delivers investment management, retirement planning, estate planning, insurance guidance, tax planning, and risk management through in-house account management, with face-to-face quarterly reviews and direct advisor engagement via phone, email, and a proprietary mobile app.

The underlying platform is deliberately traditional: the firm does not operate proprietary investment technology and instead relies on institutional-quality research tools and arms-length custodial relationships with Charles Schwab and National Financial Services. Securities and investment advisory services are offered through a regulatory partnership with Calton & Associates, Inc. (FINRA/SIPC member). Client-facing digital surface area consists of a free mobile app, 24/7 online account access, an extensive educational video library, an archive of blog articles, weekly economic email updates, and interactive financial calculators that double as top-of-funnel lead-generation content.

The revenue model is recurring AUM-based investment advisory fees, with an implicit minimum of $100,000 per relationship; clients above that threshold receive complimentary tax preparation as a bundling mechanism. Go-to-market is sales-led and relationship-driven, with new clients acquired through educational content, referrals, and community events rather than digital self-service or third-party intermediaries. The firm is small (1-10 employees), led by President Nick Toadvine (in the industry since 1997), with a multi-credentialed bench (CFP, CPA, insurance specialist) and a Spanish-speaking relationship manager supporting the regional Latino segment.

Name

Guardian Wealth Management

Legal name

Guardian Wealth Management, LLC

Website

https://guardwealth.net

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Guardian Wealth Management, LLC is a Lakeland, Florida-based registered investment advisory firm providing retirement-focused wealth management, estate planning, tax, and insurance services to individuals and pre-retirees in Central Florida via in-house account management and direct advisor relationships.

Ownership category

akta.pro rank

Product category

Wealth Management & Retirement Planning Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail) (FSAAAAAJ)

akta.pro secondary industries

Discretionary Portfolio Management (Retail) (FSAAAAAH), Advisory Portfolio Management (Non-Discretionary) (FSAAABAD)

Keywords

• Retirement planning
• Wealth management
• Investment advisory
• Estate planning
• Financial planning

Headquarters

HQ city

Lakeland

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Investment Advisory Fees: Guardian Wealth Management provides investment advisory services, likely charging fees based on assets under management (AUM). The firm emphasizes personalized investment strategies balancing growth with principal preservation, and accounts are managed in-house rather than outsourced.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Guardian Wealth Management provides personalized, in-house wealth management and retirement planning advisory services to individuals and families, primarily in Central Florida. The firm manages client portfolios directly—rather than outsourcing—and offers investment management, retirement planning, estate conservation, risk management, insurance guidance, and tax planning, supported by institutional-quality research, a mobile app, and complimentary tax preparation for clients with $100k+ AUM relationships.

Product overview

Guardian Wealth Management offers a comprehensive wealth management platform built around core financial advisory services. The core offering is their full-service Wealth Management program that combines investment management, retirement planning, estate conservation, and risk management analysis delivered through in-house account management. This core is augmented by several integrated tools: an online account access portal with 24/7 availability, a mobile app for iPhone and Android, a suite of financial calculators, an extensive educational video library, an institutional-quality research platform, complimentary tax preparation for higher-value clients, and weekly economic email updates. Together these components create a unified client experience combining personalized advisory services with digital tools for account management and financial education.

Differentiator

Problem solved

Functional benefit

Products and services

• Wealth Management Services Comprehensive financial advisory service for individuals and families approaching or in retirement, including investment management, retirement planning, estate planning, insurance, and tax strategies, delivered through in-house account management with quarterly face-to-face reviews by CFP, CPA, and insurance specialist professionals.
• Complimentary Tax Preparation Free tax preparation services offered to advisory clients with $100,000+ advisory relationships, leveraging the team's CPA credentials to provide a bundled tax-planning and preparation offering alongside investment advisory services.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core.

• Charles SchwabcoreOthersCharles Schwab serves as a custodian for client investment accounts, providing account holding, online access, and back-office infrastructure for Guardian Wealth Management's advisory services.
• National Financial ServicescoreOthersNational Financial Services serves as an alternative custodian for client accounts, providing institutional-quality account custody and access.
• Calton & Associates, Inc.coreOthersCalton & Associates is a registered investment advisor (member FINRA and SIPC) through which securities and investment advisory services are offered. Guardian Wealth Management, LLC is not owned or controlled by Calton & Associates, Inc.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Edelman Financial Engines: One of the largest independent RIAs in the US, with a strong retirement-plan and individual investor focus. Comparable service mix (investment advice, retirement planning, tax-aware strategies) but at vastly greater scale and through a call-center-plus-advisor hybrid model.
• Fisher Investments: Large independent RIA serving retail and HNW clients with discretionary portfolio management. Comparable as an investment-advisory firm serving individual investors, though at a national scale and with a more institutional marketing approach.
• Focus Financial Partners: Roll-up platform of independent RIAs serving HNW and retirement-age clients. Comparable as a model that the firm could potentially join (or be acquired by) to scale, and competes for the same retiring-Boomer wealth management dollars.
• LPL Financial: Largest independent broker-dealer in the US, supporting a national network of RIA and broker-advisor practices. Comparable as the platform/independent-contractor model for retirement-focused wealth advisors, though at much greater scale.

Direct peers

• Carson Wealth Management: Omaha-based RIA focused on retirement and multigenerational wealth planning for individuals and families. Highly comparable as a mid-market fee-only RIA with a relationship-led service model and similar target demographic of pre-retirees and retirees.
• Cetera Financial Group: Network of independent broker-dealer and RIA firms supporting thousands of financial advisors. Comparable operating model — independent advisors offering comprehensive wealth management and retirement planning through a parent compliance/custody platform.
• Cambridge Investment Research: Independent broker-dealer/RIA platform supporting thousands of independent financial advisors. Comparable as a custodian/BD platform model where independent advisors offer retirement and wealth management services; Guardian Wealth operates similarly as an independent RIA through Calton & Associates.
• Mariner Wealth Advisors: National RIA serving retirement-age and HNW clients with fee-based financial planning, investment management, and tax/estate services. Comparable as a comprehensive wealth management firm competing for the same retirement-focused customer base with a relationship-driven model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Guardian Wealth Management