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NEWSLETTER
The Guardian Standard Newsletter- February 2020

February 2020

Our ongoing commitment to “Preserving Your Lifestyle and Protecting Your Assets” is our primary focus for all our clients and friends. The beginning of 2020 has been quite a volatile ride as the markets digest the Federal Reserve’s three rate cuts in the latter half of 2019. Keeping you informed on our thoughts and rationale behind how we position your investments as we enter the 128th month (longest of record) of this economic expansion is a commitment we take very seriously. In our February 2020 Guardian Standard Newsletter, we share a great perspective on the Coronavirus from one of our investment partners Guggenheim Investments. We also provide some valuable information on how to handle and prepare for tax time in April 2020. And in our ongoing “This Is Life” series we use a personal story of the relationship between scrambled eggs, omelets, financial Planning, and asset management. Most importantly, we thank each and every one of you for the trust and faith you have placed in our firm!

Guggenheim Investments Market Perspective: Peace For Our Time

We get the opportunity to read a lot of great research and opinions regarding the markets and world events. From time to time we come across some great perspective we feel necessary to pass along.  We encourage you to read the latest commentary from our partners at Guggenheim Investments. Please click here to view the article.

Things to Consider When Filing Your Taxes

Tax season is upon us and it is usually a stressful and distracting time for people. Proper preparation can help reduce stress and anxiety.  We found some great online resources to help you navigate this tax season and next year's as well. We don't endorse any of the products these sites offer, but we encourage you to take a look and consider this information as a resource when doing your taxes or working with your tax professional.

To view Be Smart, Not Stupid when e-Filing Taxes, click here.

To view Tax Plan for Tax Year 2020, click here.

This is Life

In our ongoing series "This is Life", I wanted to share a personal moment that brought a smile to my face with a lot of laughter and introspection. It involved scrambled eggs, omelets, and my middle son Elliot (EJ).

EJ woke me early one Sunday, and stated in a very grave tone “Dad….., I need your help!” We can all relate to how quickly we respond when one of our children expresses a need for help. It’s a calling we willingly rally towards as parents.  When I asked him, “What’s the problem?” He responded very seriously, “I’m having an issue making scrambled eggs!” My anxiety level went down, I got up, laughed a little and headed downstairs to see what the “egg issue” involved.

The frying pan was on the oven, the burner was on low, and in the pan was a perfectly made omelet! Elliot had not “scrambled” the eggs while cooking. He thought eggs scrambled themselves! But as we all know it takes a little bit of engineering and creativity to produce perfect scrambled eggs. The amount of milk you add, seasoning, and the amount of “fluffing” you do to the eggs result in extremely different outcomes.  Hilarious on many levels, and a realization something as simple as scrambling eggs requires knowledge and experience. I also realized this simple lesson can also translate to the complicated world of financial planning and investing. Like my son, we often meet with prospective clients that believe they have “scrambled eggs” when they, in fact, have an “omelet.” One example is the prospective client believing they are invested conservatively when they are in fact, very aggressive. Or the person retired and taking withdrawals on their portfolio in a range they believe to be “safe” when it is not. 

Our process allows us to help people understand their situation so they can recognize the difference between “financial scrambled eggs” and “financial omelets.”  Our expertise in writing a plan and creating a blend of investments to support your unique needs requires having a complete understanding of your needs and goals and marrying them to an appropriate risk-managed portfolio. Our process is called True Financial Planning and DRAAMS investment management. You can click here to learn more. 

We are always here and ready to help you. Please contact us anytime if you have any questions.

Pat Guinet, CIMA®

 

If you would like to schedule a time to discuss your needs, please click below and pick a time on our calendar. To view our calendar, click here. 

 
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Guardian Financial Partners, LLC is a Registered Investment Adviser. Advisory services are only offered to clients or prospective clients where Guardian Financial Partners, LLC and its representatives are properly licensed or exempt from licensure. This website is solely for informational purposes. Any commentary on this website reflects the personal opinions, viewpoints and analyses of the Guardian Financial Partners, LLC employees providing such comments, and should not be regarded as a description of advisory services provided by Guardian Financial Partners, LLC or performance returns of any Guardian Financial Partners, LLC Investments client. The views reflected in the commentary are subject to change at any time without notice. Nothing on this website constitutes investment advice, performance data or any recommendation that any particular security, portfolio of securities, transaction or investment strategy is suitable for any specific person. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. Guardian Financial Partners, LLC manages its clients’ accounts using a variety of investment techniques and strategies, which are not necessarily discussed in the commentary. Investments in securities involve the risk of loss. Past performance is no guarantee of future results. Investing involves risk and possible loss of principal capital. No advice may be rendered by Guardian Financial Partners, LLC unless a client service agreement is in place. Form ADV and Form CRS contain important information about the advisory services, fees, business, background, and experience of advisory personnel. Form ADV is publicly available and may be viewed here. Form CRS is publicly available and may be viewed here.