Partnering with clients to make better financial decisions since 1989.
For more than three decades, Guardian has helped our clients navigate important financial decisions through coordinated advice, bespoke portfolio management and disciplined execution.
Understand
Your circumstances, structures, objectives and existing arrangements.
Strategise
Identify which decisions matter, in what order, and how they fit together.
Construct
Build the portfolio, structures and strategy required to achieve the objective.
Implement
Translate strategy into action, overseeing each step from execution through to documentation and administration.
Steward
Continually assess, refine, adapt and change as circumstances evolve.
Coordinated advice for interconnected lives.
Few important financial decisions stand alone. The decisions that matter most are often found at the intersection of investments, superannuation, taxation, structures, retirement planning and family considerations.
Our role is to understand the broader picture and ensure decisions are considered in the context of your entire financial position, not in isolation. Where specialist expertise is required, we work alongside your accountant, solicitor and other trusted advisers to coordinate advice around a common objective.
In our view, successful wealth management is rarely about a single investment decision. It is about ensuring every decision supports the broader coordinated strategy.
Discuss your circumstances
Bespoke portfolios. Managed personally.
Every Guardian Managed Discretionary Account is built around each individual client. The investment strategy, portfolio construction and investment parameters are tailored to your objectives, tax position, structures, cashflow requirements and preferences. No two portfolios are identical, and each is managed for that client's specific circumstances.
The MDA allows us to implement agreed investment decisions efficiently, without requiring approval for every transaction. The parameters for investing are set out in an investment program, agreed with you in writing, and reviewed with you at least once every 13 months.
Just as importantly, the level of involvement remains your choice. Some clients like to discuss significant decisions as they arise. Others are comfortable for us to manage within the agreed framework and keep them informed. Most prefer something in between. The relationship does not become less personal because an MDA is in place. If anything, it allows us to spend less time on administration and more time focused on the decisions that matter.
Guardian Associates has operated Managed Discretionary Accounts since December 2004.
An MDA will not be appropriate for every client. Whether it suits you is assessed through Guardian's advice process and our target market obligations. Please read the Target Market Determination and our Financial Services Guide before deciding.
Who we work with.
Guardian advises individuals, families and organisations seeking thoughtful, medium to long term management of wealth. While every client's circumstances are different, our work commonly involves the following:
- Individuals and families
- Coordinated advice across investments, superannuation, tax-effective structures and family wealth. Helping ensure financial decisions are considered in the context of the broader picture.
- Retirees and SMSF trustees
- Managing retirement income alongside the portfolio, structures and administration that support it.
- Business owners and professionals
- Building and preserving wealth outside the business, while preparing for future liquidity events, succession, retirement and intergenerational wealth transfer.
- Sophisticated and wholesale investors
- Access to a broader investment universe, including selected opportunities not always available to retail investors. Each opportunity is assessed on its merits, structure, valuation, liquidity and role within the broader strategy.
- Families managing significant wealth
- Helping multiple generations navigate investment management, ownership structures, estate planning and the transfer of wealth over time.
- Trustees, foundations and not-for-profit organisations
- Advice and investment management aligned to the objectives, obligations and governance requirements of the organisation.
How a client is classified, and what that means for them, is set out in our Financial Services Guide.
One relationship, supported by a broader team.
Since 1989.
The Guardian view since inception has been that a partnership between Adviser and Client, through active management of client affairs, is the key to success.
Michael Gehde founded Guardian in 1989 after two decades abroad and senior roles at the World Bank. What he did not find on returning to Australia was the personalised service and individually constructed portfolios he believed clients deserved. Guardian was built around a simple idea: advice should be tailored to the individual, and the people who understand the client should remain closely involved in the decisions affecting their wealth. A number of those first clients, and their families, remain with us today.
Close to the Client. Close to the Decision.
We remain true to this heritage.
Many wealth management businesses separate client relationships, investment research, portfolio construction and implementation across different teams or external providers.
Guardian's structure is deliberately simple. The people who understand a client's objectives, family circumstances and financial position are directly involved in the investment decisions affecting their portfolio.
This helps ensure portfolio decisions remain connected to the broader strategy and tailored to the individual circumstances of each client.
Ideas may come from many sources. Responsibility for the final decisions remains ours.
Start a conversation.
Stones Corner QLD 4120 Get directions
Postal: PO Box 1284, Coorparoo DC QLD 4151
Please do not send account numbers, tax file numbers or instructions to transact by email.
