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As a Fiduciary, We're Committed to Caring for Your Personal & Financial Well-Being


Get to Know Our Firm

Where Your Financial Future Is Concerned, We Believe In...

Listening to Your Needs

Formulating Unbiased Advice

Providing Strategies Without Influence


As a Fee-Based Registered Investment Advisor

We Provide Truly Independent Advice


Whether you’re an individual or corporation seeking recommendations surrounding your retirement plan or trust, Guardian Wealth Advisors works with clients just like you to approach your unique needs. Our estate, tax, financial planning and investment assessments are rooted in objectivity, backed by experience and intended to align your financial goals.

Fee-based Registered Investment Advisor Bloomington, MN Guardian Wealth Advisors




Key Elements to Our Wealth Management Strategy


  Clearly Defined Goals & Objectives

Wealth management means more than just an investment plan. Your unique needs may range from succession and estate planning to counseling on financial matters affecting future goals. This means the success of our relationship and selection of your investment strategy hinges on getting to know you and clearly identifying your needs.

  Detailed & Understandable Investment Strategy

Once your goals are developed, we will create a personalized investment strategy that is used to guide your comprehensive wealth picture. This often includes a review of investments, balance sheet and financial planning scenarios. These details are reviewed at least annually in response to changes throughout your life.

  Optimal Investment Management

We believe that diversified portfolios of stocks and bonds are the cornerstones of a long-term investment plan and that the impact of diversification to pursue future financial goals cannot be underestimated. We, therefore, seek to develop and document a diversified investment strategy based on your long-term goals and objectives, unique needs and risk profile. 

  Cost-Efficient Implementation and Maintenance

We believe that cost-efficient management is critical to the long-term success of a portfolio and that by seeking to eliminate inefficient portfolio expenses, we can increase the chance of success. Guardian’s investment team is experienced in working with available structure and cost efficiencies involved in the portfolio management process. 

  Unmatched Client Service

For over two decades, the Guardian Wealth Advisors team has handled the unique needs of our clients, often in concert with their trusted professionals. We believe in proactive communication and strive to distinguish ourselves through dedicated and thoughtful service. 



A Few Questions You May Have in Mind

We’re Big Advocates That No Concern Is Too Small


How Do You Handle My Investments?

Our Process

Using a clear process, we work with you to develop your needs and help select the path to building your portfolio. 

How Do Your Fees Work?

Our Fees

Fees can play a critical role in the success of an investment plan. As a fee-based advisory firm, we believe in transparency from the start.

What Else Can You Help Me With?

How Else We Can Help

Beyond our initial investment management services, we offer distinct solutions to clients with varying needs. From estate planning to insurance reviews, you can count on us.


Learn More


Learn What It Means to Work With

Guardian Wealth Advisors

Meet Your Team at Guardian Wealth Advisors


Schedule Time to Meet With Us

Greg Kulka Photo

Greg Kulka

Senior Financial Advisor
Read Bio
Greg Kulka

Greg Kulka

Senior Financial Advisor

As the Senior Financial Advisor, I have the privilege of leading my team at Guardian Wealth Advisors. With over 30 years of experience, I have been counseling clients in wealth management, paying particular attention to their risk tolerance and cash flow needs. My mission is to use my investment and financial planning experience to help others and build strong, long-term relationships with my clients. Almost everything in our lives is affected by our financial decisions and sometimes you just need someone to talk to - I am happy to be that someone.

I graduated with my degree in communications from the University of Minnesota and began my career in 1987 at Dain Bosworth in Edina, Minnesota. Prior to my current position, I was the Executive Vice President of Twin Cities-based Kopp Investment Advisors. There, I played an integral role in the growth and management of $8.9 billion through private client relationships and a family of mutual funds. While I have experienced the Crash of ’87, the events of 9-11, the Great Recession and a pandemic, I consider my most valuable experience to be hearing and feeling the emotions we have during times of turmoil. 

I am a lifelong Twin Cities resident, along with my wife of over 40 years, Mari, and our son, Ryan. When I’m not working or spending time with family, I volunteer for many non-profit organizations in the Upper Midwest. I am proud to have been asked to mentor aspiring female executives through Mentium, a career non-profit. I also love both sports and traveling. I’ve coached youth hockey in very cold rinks in Canada, climbed down steps into the crypts under the Great Pyramids in Egypt and stood inside the tomb of Jesus in Jerusalem… and I’m not done exploring yet.

John Keyes Photo

John Keyes

Senior Financial Advisor
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John Keyes

John Keyes

Senior Financial Advisor

With over 30 years of investment management experience, I proudly serve individuals, corporations and institutional clients with their financial needs. I enjoy working with my amazing clients while continuing to learn. By studying the markets I’m able to determine how to set up our clients’ investments in ways most likely to help them achieve their financial goals and dreams.

A long-time Minneapolis resident, I received my Bachelor of Science degree in Business from Marquette University in Milwaukee and my MBA in Finance from the University of Chicago. I went on to gain experience in accounting and finance for Procter & Gamble, and I now know a fair amount about making toothpaste. I’ve been in the investment world for over 30 years, working at local investment firms and teaching finance at St. Catherine University and Metropolitan State University. Before my role at Guardian Wealth Advisors, I was a Portfolio Manager and Director of Marketing and Client Services at Kopp Investment Advisors.

Outside of work, you can find me running, biking, reading books, listening to music and volunteering. 

Barb Abel Photo

Barb Abel

Associate Vice President
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 Barb Abel

Barb Abel

Associate Vice President

As the Associate Vice President, I am your go-to for account openings, funds transfers, account servicing needs and any general assistance that you may need. I have a strong belief that it is important for everyone to feel secure in their financial future. Even if I can help just a little with getting the ball rolling for our clients, it makes my job very rewarding. 

I graduated from Winona State University with my Bachelor of Arts degree in Sociology and a minor in Psychology. I got a job related to my degree as a counselor at a group home for 2 years, then started working part-time in an office as well. I realized that I truly enjoyed the ‘office’ part of my job, specifically the structure of the day and the paperwork. In 1992 I started my first financial-related job at Kopp Investment Advisors where I worked for over 15 years. Now, I have been with Guardian Wealth Advisors for 14 years. The office job turned out to be a good choice!

In my free time, I like to read, make photo books and try new recipes. I enjoy going on daily walks outside with family, friends or alone while I listen to my audiobooks. My husband and I have had the joy of raising 2 children together. Our kids were very involved in volleyball and hockey when they were younger, and then choir and musical theater in later years. Now, they are all grown up and we love taking yearly cruises and spending time at the family cabin in northern Minnesota.

Susan Loschenkohl Photo

Susan Loschenkohl

Vice President, Operations
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 Susan Loschenkohl

Susan Loschenkohl

Vice President, Operations

As the Vice President of Operations, I have over 25 years of experience in the investment management business. I am proud to work on a relationship-focused team where getting to know our clients is a top priority. I believe that building long-term relationships end up benefiting our clients not only on a day-to-day basis but also help them through both their best and worst moments. In the office, I wear many hats. I’m responsible for Guardian’s marketing and brand development, as well as ensuring that all reports and client invoices are accurate. As the resident technology geek, I’m also our in-house resource for technology systems and applications.

I graduated magna cum laude from the University of Minnesota with a double major in international relations and Scandinavian studies with a minor in Danish. In 1993 I went on to join Kopp Investment Advisors working in the marketing department. I gained experience on the front lines as a resource for clients and brokers wanting to learn more about our in-house mutual funds, learned graphic design through our marketing campaigns and became the in-house designer.

When I’m not at work, you can find me outside with a camera or garden spade in hand. I’ve been taking pictures since I got my first film camera at age 11, and have been pulling carrots out of the ground even longer. I love to travel, especially back to Denmark where 90% of my extended family still lives. Within the states, I often travel to California where all of my in-laws live. I’m also proud to be a volunteer and member of the Danish American Center. My favorite annual personal project is leading the Danish installation for the annual American Swedish Institute’s Scandinavian holiday exhibit.


Our Experience Has Helped Shape Who We Are and How We Work With You

The team at Guardian Wealth Advisors has been together for over 20 years and each of our members brings more than 25 years of experience in the investment industry. 

25 years of experience in the investment industry Bloomington, MN Guardian Wealth Advisors


Registered Investment Advisor Bloomington, MN Guardian Wealth Advisors


What Does This Mean for You?

Utilizing our collective experience of more than a century, we focus on helping you assess and meet your goals today and in the future. With your unique aspirations in mind, we aim to ask tough and often uncommon questions in order to help us help you. 

As a Registered Investment Advisor, we are held to a fiduciary standard. This means we must serve the best interests of our clients and not subordinate our clients’ interests to our own. We look forward to doing exactly that throughout the course of our relationship. 



Registered Investment Advisors Versus Brokers

The Differences That Shape Your Experience


Registered Investment Advisors vs Brokers Bloomington, MN Guardian Wealth Advisors

Best Interest Vs. Suitability

We work only for our clients, not for a broker-dealer. Brokers are held to a suitability standard, which means they only need to provide suitable advice that may or may not be the absolute best for the client. 

Advice Vs. Transactions

As an independent investment advisor, we recommend investments we believe are best, instead of whether the products we recommend are favored by a brokerage company or its affiliates. 


Transparency Vs. Disclosure

Guardian Wealth Advisors provides full transparency of all our fees and costs. Whereas brokers can provide disclosure of their fees through a prospectus, we make it a point to discuss all aspects of our fees with you and ensure you receive quarterly reports detailing our fees. 

Custody of Your Investment Assets (Who Holds My Money?)

We use an independent, third-party custodian for your assets. By doing so, you can crosscheck the records we provide you with records from the custodian on a quarterly basis. This helps to ensure that your money is where it needs to be at all times. 



Custody of Your Investment Assets Bloomington, MN Guardian Wealth Advisors

Interested in Learning More About What We Do?


Discover How We Help

Let’s Establish and Approach

Your Unique Goals Together


Addressing the Financial Planning Needs of Individuals and Families Since 1987

For decades, our team has helped people define their financial goals and investment strategies. But, we believe that is only a small part of sound wealth management.

We help clients make sense of account structure and efficient investment vehicles, as well as effective tax and estate planning in concert with other trusted advisors such as attorneys and accountants. Our experience not only provides answers but thought-provoking questions intended to clarify and structure a lifetime of managing and transferring wealth.  

Retirement Planning Bloomington, MN Guardian Wealth Advisors


Our Most Requested Services Include:


Wealth Management for Individual and Family Bloomington, MN Guardian Wealth Advisors

Wealth Management for Individual/Family Assets

Wealth Transfer and Gifting Bloomington, MN Guardian Wealth Advisors

Wealth Transfer and Gifting

Estate and Trust Counseling Bloomington, MN Guardian Wealth Advisors

Estate and Trust Counseling

Individual Retirement Options Bloomington, MN Guardian Wealth Advisors

Individual Retirement Options (IRA, SEP, 401(k), etc.)


Retirement Plan Rollovers Bloomington, MN Guardian Wealth Advisors

Retirement Plan Rollovers

Inherited Wealth Bloomington, MN Guardian Wealth Advisors

Inherited Wealth

Tax Coordination Bloomington, MN Guardian Wealth Advisors

Tax Coordination



What Else Can We Help You With?

Our Services Extend Past the Average Advisor

Beyond the Investment Plan

At Guardian Wealth Advisors, advising our clients on wealth issues involves more than just investment advice. Our clients consult with us about a wide array of financial matters concerning them today, as well as helping them plan for the future.


Included in our management fee and as a part of our service, you can expect wealth advice and counsel regarding:


Future Income Needs and Estimates Bloomington, MN Guardian Wealth Advisors

Future Income Needs and Estimates

Company Retirement Plan Coordination Bloomington, MN Guardian Wealth Advisors

Company Retirement Plan Coordination

Estate Planning Bloomington, MN Guardian Wealth Advisors

Estate Planning


Insurance Review Bloomington, MN Guardian Wealth Advisors

Insurance Review

Mortgage Assessment Bloomington, MN Guardian Wealth Advisors

Mortgage Assessment

College Saving Planning Bloomington, MN Guardian Wealth Advisors

College Savings Planning


Ready to Get Started Bloomington, MN Guardian Wealth Advisors

Ready to Get Started?


Schedule a Call to Begin


Guardian Wealth Advisors

Your Fee-Based Partners

After the development and approval of a personalized investment strategy consistent with your financial goals, we provide ongoing, fee-based discretionary investment advisory services. 

Included in our management fee, and as part of our service, we provide advice and counsel regarding your current and future needs, review your company retirement plan, conduct mortgage assessments and reviews of insurance policies.

Fee-Based Partners Bloomington, MN Guardian Wealth Advisors



Our Tiered Fee Schedule

For New Clients Seeking Discretionary Investment Advisory Services

This fee is negotiable depending on a number of factors including but not limited to size of the account, the scope of services provided, and the type of assets being managed. For these services, we generally impose a minimum annual fee of $2,250 and generally require a minimum asset level of $250,000. Please see our ADV Part 2, Item 5 for a more complete description of fees and costs related to these services.

Assets

Annualized Fee

$250,000 - $2,000,000
0.90%
$2,000,000 - $5,000,000
0.75%
$5,000,000 +
0.60%


What to Expect Bloomington, MN Guardian Wealth Advisors

Our Fees Are Structured So That

We Do Better When Our Clients Do Better


Learn More About What to Expect


We Take a Tailored Approach to Your Financial Picture

Our working relationships are completely individual to who you are and the goals you have in mind. You’ll find that there are no cookie-cutter approaches to our recommendations and we base our solutions on listening, counseling and offering comfort when needed. Through our carefully crafted process, we’ll get to know you, your family and your needs. 

Tailored Approach to your Financial Picture Bloomington, MN Guardian Wealth Advisors



The Guardian Process


Step 1: Assess & Define Your Plan

We find that sound investing begins with clear communication and understanding. Through an in-depth conversation, we’ll learn about your financial needs and goals in order to develop your personalized investment strategy. Together, we’ll take a look at your objectives, values, risk tolerance, income needs and more. 

Step 1 Assess & Define Your Plan Bloomington, MN Guardian Wealth Advisors

Step 2: Determine Who Holds Your Money

Before signing an agreement with us, we’ll ask you to select a custodian. In our experience, fees such as transaction costs are a determining factor in overall portfolio performance and should be scrutinized. Our preferred custodian is Charles Schwab. Recommendations of custodians and assistance selecting those custodians are available upon request.

Step 2 Determine Who Holds Your Money Bloomington, MN Guardian Wealth Advisors

Step 3: Implement Your Personalized Portfolio

Under our process, it’s critical to align portfolio investments with your long-term goals and objectives. When pursuing a successful and comfortable financial future, we believe strategies should be arranged to provide growth during the accumulation phase of one’s life and be adjusted to provide income to accommodate your changing financial needs.

Step 3 Implement Your Personalized Portfolio Bloomington, MN Guardian Wealth Advisors

Step 4: Maintenance of Your Plan

Over time, we will monitor your portfolio and make adjustments to the allocation mix, keeping long-term goals and current needs in balance. Current market conditions or economic factors may dictate changes to the target allocation of the portfolio. In addition, each personal strategy and plan is intended to be flexible based on life changes (retirement, inheritance, a growing family and health), or extraordinary needs that were not specifically anticipated at inception.

Step 4 Maintenance of Your Plan

Step 5: Continuing Communication

Instead of waiting for you to reach out to us, the team at Guardian Wealth Advisors will regularly stay in touch with you to remain informed about your plan. Our goal is to keep you focused on your goals and your strategy up-to-date. 


Communications and Defined Expectations Bloomington, MN Guardian Wealth Advisors

Good Relationships Start With Communication and Defined Expectations

Through a free initial consultation, we seek to establish a clear understanding of your goals and how we can best help you achieve them. 


Schedule Yours to Begin

Resources


Informational Links and Articles

To Guide Your Financial Understanding


IRS Bloomington, MN Guardian Wealth Advisors

Social Security Administration Bloomington, MN Guardian Wealth Advisors

Annual Credit Report Bloomington, MN Guardian Wealth Advisors
Equifax Bloomington, MN Guardian Wealth Advisors

Experian Bloomington, MN Guardian Wealth Advisors

TransUnion Bloomington, MN Guardian Wealth Advisors

Federal Trade Commission Bloomington, MN Guardian Wealth Advisors

NY's 529 College Saving Program Bloomington, MN Guardian Wealth Advisors

USGA Bloomington, MN Guardian Wealth Advisors



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Client Portals

Access Your Accounts


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Guardian Wealth Advisors


Client Portal

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Charles Schwab


Client Portal

Proudly Serving the Twin Cities

As Well as Clients Around the Nation


Ready to Begin?

Guardian Wealth Advisors can help you consolidate, organize and understand your current investments, implement an understandable investment strategy designed to achieve your eventual financial goals and help reduce your fees in the process. 

Whether in person or virtually, we look forward to speaking with you. Use the submission form below or schedule a meeting to learn more about the scope of our services.

Schedule A Call With Us