Investment Process

Guardian Rock uses a disciplined investment process in managing each client portfolio to achieve specific financial goals. The firm seeks to maximize total-return or income production depending upon each client's unique needs and investment objectives.  This means that in many cases we are not striving to beat a particular index but rather achieve particular client goals.

Our investment philosophy centers on the customization of each investor's portfolio to meet their specific financial goals. We begin first with the individual and work collaboratively with each of our clients to arrive at what is important to them to establish a plan and goals for their financial future.

Next, we assess the client's risk tolerance, cash flow requirements, time horizon, tax considerations, and expectations for long-term portfolio growth. This information is then used to determine the appropriate mix of securities and liquid cash or cash equivalents to be held in each account. 

From there, we design and execute portfolios aimed at accomplishing those objectives. Our goal is to realize our clients' investment objectives while furthering their values and organizational missions.

We operate from a core belief that the market is a complex, adaptive system. While we believe in-depth, quantitative analysis is helpful and, in fact, necessary, over-reliance on quantitative measurements can expose portfolios and their owners to unintended risk. As such, we consistently employ both fundamental and quantitative analysis.  We use this analysis in combination with our team's decades of experience across varying market cycles in an attempt to generate specific investment outcomes. Constant change is a primary theme in the marketplace.  Thus an innovative mindset, prudent adaptation, and deep thought are required disciplines at Guardian Rock Wealth. Using these values and philosophies as our guide, we provide financial planning across the United States to people and organizations of all types and backgrounds.

While each of our clients has their own unique set of goals and objectives, we manage all of our clients' portfolios according to several universal investment strategies that we believe are crucial to financial success:

  • We generally invest for the long-term. This means that we purchase securities that have the potential to provide an attractive level of return over long periods of time. This allows us to look past the market's short-term, sometimes volatile ups and downs and concentrate on achieving our clients' long-term objectives.
  • When setting industry sector weights we first look at the larger demographic and secular trends affecting the economy, and then actively target those sectors best positioned to take advantage of developing trends.
  • We use time-tested criteria to determine appropriate entry and exit points for each of our selected securities. this mitigates the potential risk  of "chasing" a stock on the way up as well as the kind of "panic selling" that can so easily undermine portfolio performance. We have found that focused research and strict discipline are critical to executing an effective long-term investment strategy.
  • Once portfolio candidates are selected, we may also employ our proprietary process for Advocacy Investing® and ESG clients. Based upon the client's specific criteria,.
Risk Management

Our clients realize that any participation in the market carries with it a certain amount of risk. While risk can not be eliminated from stock market investments, at Guardian Rock, we believe it can be mitigated to an extent by employing prudent and professional management.

We employ many risk management strategies in the management of our equity portfolios including to utilizing specific strategies and tactics designed to buffer downward moves in the broader equity market which may include partnering with our institutional banking partners on our client's behalf.  We would note that many of the traditional risk  management techniques that worked well a decade ago, no longer control for downside risk as they did at one time.  Strategies such as adding fixed income (bonds) as a form of risk mitigation no longer works in the way it once did and may actually be detrimental to some clients.  

We may, from time to time, alter our long-term sector strategy in response to changing market conditions.  We use fixed income as a ballast to the portfolio to mitigate overall risk, however, we stress that the role of traditional fixed income has significantly changed over the years and no longer offers the same downside protection or income generation that it once did.  As a result, we may use other strategies to add downside protection in addition to traditional fixed income.