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BUILDING YOUR LIFE USING THE TOOL WE CALL MONEY

Customized Wealth Strategies for Your Financial Success

With over 30 years of experience managing billions of dollars for major Wall Street firms, we understand that the market is a complex, adaptive system. Let us help you navigate it to achieve your financial goals.

EXPERIENCE YOU CAN TRUST

Decades of Expertise in Financial Management

With 30 years of experience managing billions of dollars for major Wall Street firms, the Guardian Rock Wealth™ team brings a deep understanding of the financial markets. We believe the market is a complex, adaptive system that requires thoughtful, personalized strategies—not one-size-fits-all solutions. Our mission is to empower individuals and families to build a secure financial future with confidence, clarity, and purpose.

SERVICES

Our Expertise, Your Financial Growth

We offer a range of services designed to help you build and protect your wealth, including financial planning, investment coaching, tax strategies, insurance, estate planning, and portfolio management.

BUILD A LIFE, NOT A PORTFOLIO

Transform Your Financial Perspective

Money is more than a goal—it's a tool to build a fulfilling life. In Build a Life, Not a Portfolio, John Browning shares practical lessons from 30 years on Wall Street to help you align your financial plan with your personal values and long-term goals.

What You Will Uncover:

The true meaning of money and how to use it wisely.
The Snowflake Theory: Why every financial journey is unique.
Common mistakes to avoid when building wealth.
The importance of consistency and trusted guidance.

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Familia joven
Working with Guardian Rock Wealth was a life-changing decision. We didn’t just gain a better understanding of our finances; we learned how to align our investments with our family values. Thanks to the team, we now live with greater peace of mind and confidence about the future.

Anna & Robert M., Austin, TX

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Explore our latest blog posts for practical tips, expert advice, and market insights to help you make informed financial decisions.

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The Mortgage Playbook: Winning Strategies with Eric Rosberg (Ep 243 of the BYL podcast)
39:17

The Mortgage Playbook: Winning Strategies with Eric Rosberg (Ep 243 of the BYL podcast)

In this timely episode, financial expert and #1 Amazon best-selling author John Browning teams up with mortgage strategist Eric Rosberg to break down the housing market's current state and tackle the age-old question: Should you buy or rent right now? You'll get expert perspectives on: ✅ The real story behind rising home prices and interest rates ✅ How to decide if renting or buying is right for your situation ✅ Smart strategies for leveraging home equity ✅ Tips for managing debt effectively in a volatile economy ✅ How real estate fits into a long-term wealth-building plan 🎙️ Whether you're a first-time buyer, a renter weighing options, or an investor looking for insight, this episode is packed with real-world advice you can use right now. Connect with Eric Rosberg: LinkedIn: https://www.linkedin.com/in/eric-rosberg-5298b6240/ Connect with John Browning: Substack: https://substack.com/@buildalifeyoulove LinkedIn: https://www.linkedin.com/in/johnbrowningfinancialsolutions/ John Browning YouTube Channel: https://www.youtube.com/@johnbrowning937/videos Nothing in this communication should be considered personal advice & past performance is no guarantee of future results. There is a risk of loss associated with investing. No representation or implication is made that any methodology or system will generate profits or ensure freedom from losses. Guardian Rock LLC and its affiliates are fiduciary investment advisors. Please consult with us before making investment decisions and/or attempting to implement the strategies and tactics we discuss in any of our publications. #buildalife #buildalifeyoulove #wealthmanagement #financialplanning #strategicplanning
Episode 242: How to Achieve ZERO Taxable Income in Retirement
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Episode 242: How to Achieve ZERO Taxable Income in Retirement

🎙️ How to Achieve ZERO Taxable Income in Retirement | John Browning Explains 💰 In today’s episode of Build a Life, Not (just) a Portfolio, financial expert and #1 Amazon best-selling author John Browning joins co-host Doug Sandler to explore a powerful and often misunderstood concept: how to legally achieve zero taxable income in retirement. ✅ Can you really retire without paying taxes? Yes—with the right strategies. John dives deep into the importance of proactive tax planning, explaining how tools like Roth IRAs, Roth 401(k)s, and a strong understanding of the tax code can help you grow your wealth tax-free and enjoy a financially secure retirement. 📘 Get John’s best-selling book, Build a Life, Not (just) a Portfolio 📲 Text "LIFE" to 321-421-5213 🌐 Or visit: https://www.GuardianRockWealth.com 🔗 Stay connected with John Browning: 💬 Substack: https://substack.com/@buildalifeyoulove 💼 LinkedIn: https://www.linkedin.com/in/johnbrowningfinancialsolutions/ 📺 YouTube Channel: https://www.youtube.com/@johnbrowning937/videos ⚠️ Disclaimer: This content is for informational purposes only and should not be construed as personal financial advice. Investing involves risk. Always consult with a qualified advisor before making financial decisions. Guardian Rock LLC is a fiduciary investment advisor. #buildalife #buildalifeyoulove #wealthmanagement #financialplanning #strategicplanning #retirementplanning #RothIRA #taxfreeretirement #taxplanning #johnbrowning #financialfreedom
Meet John Browning: Wall Street Expert Helping You Build Wealth & Financial Freedom
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BYL Ep 239 - The Costly Myth:  Why "They'll Figure it Out Could Ruin Your Family's Future"
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BYL Ep 239 - The Costly Myth: Why "They'll Figure it Out Could Ruin Your Family's Future"

The Cost of Assumption: Why Your Family Needs a Financial Emergency Plan In this episode of Building Your Life Podcast, host John Browning sits down with best-selling author and legacy planning expert Cindy Arledge to discuss the critical importance of financial preparedness, estate planning, and protecting your family’s wealth. From Whataburger vs. McDonald's vs. Steak 'n Shake to the hard truths of legacy and emergency planning, this episode is packed with real-world insights to help you protect your portfolio, minimize financial risks, and ensure your family’s future. 💡 What You’ll Learn in This Episode: ✔️ Why failing to plan your estate could cost your family dearly ✔️ The biggest mistakes people make with inheritance and emergency planning ✔️ How to create a practical, easy-to-follow financial safety net ✔️ The strategies wealthy families use to protect and transfer wealth 🔹 Special Offer: Get Cindy Arledge’s latest book, The Family Emergency Handbook, with ready-to-use planning forms to help safeguard your family’s financial future. Available on Amazon or directly here: Get It Now 🎧 Listen now to take control of your financial legacy and avoid the pitfalls of poor planning! 📌 More Episodes with Cindy Arledge: The Inheritance Trap: When Wealth Becomes a Curse 🔗 Connect with Guardian Rock Wealth: John Browning 📍 Recorded live from Guardian Rock Wealth in West Palm Beach, FL. ⚠️ Nothing in this communication should be construed as personal financial advice. Investing carries risks. Consult with a fiduciary investment advisor before making any financial decisions. #WealthManagement #FinancialPlanning #EstatePlanning #Inheritance #Retirement #LegacyPlanning #TaxStrategies #FinancialSecurity #BuildALifeYouLove #MoneyMatters #GuardianRockWealth #InvestmentRisk #401k #CashFlow #financialliteracy
Why Fed Rate Cuts Aren't Making Mortgages Cheaper
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Why Fed Rate Cuts Aren't Making Mortgages Cheaper

Why Mortgage Rates Aren’t Falling as the Fed Cuts Rates | The 60/40 Portfolio is Broken Are you wondering why mortgage rates remain high even though the Federal Reserve (FOMC) is cutting rates? In this video, we break down the crucial connection between the Treasury market, the Fed’s monetary policy, and the real impact on mortgage rates. 🔍 Key topics covered: ✅ Why mortgage rates don’t always follow Fed rate cuts ✅ The role of the 10-year Treasury yield in mortgage pricing ✅ How the bond market influences lending rates ✅ Why the traditional 60/40 portfolio strategy is failing in this market ✅ What investors should do in today’s new economic reality Many believe that mortgage rates should also drop when the Federal Reserve lowers interest rates. But mortgage rates are more closely tied to the long-term bond market, particularly the 10-year Treasury yield. Factors like inflation expectations, investor sentiment, and global demand for bonds all play a significant role in rate movements. At the same time, the classic 60/40 portfolio (60% stocks, 40% bonds)—once a go-to strategy for diversified investing—has struggled due to shifting market dynamics, rising inflation, and changes in bond yields. 📉 Is the 60/40 Portfolio Dead? Learn why investors need to rethink traditional portfolio strategies and explore alternative investment approaches. 🚀 Subscribe now for the latest insights on the economy, investing, and financial markets! 🔔 Don’t forget to like, comment, and turn on notifications so you never miss an update. #MortgageRates #InterestRates #FOMC #Bonds #Investing #6040Portfolio #TreasuryYields #StockMarket #RealEstate #FederalReserve #Finance #Economy John Browning of Guardian Rock Wealth out of West Palm Beach Florida explains several myths about mortgage rates, treasuries, the 60/40 portfolio and how to adapt to innovations in the market.
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