FAQ

Financial Guard is an online portfolio advisor that helps investors with investment allocation, fund selection, and financial education. We’re an SEC Registered Investment Advisor and act in a Fiduciary capacity, meaning that we’re legally obligated to be Professional, Unbiased & Transparent in our investment recommendations.

Once you’ve logged in and created a quick profile (this typically takes less than 2 minutes), you’ll need to tell us about your current investment holdings. Once your account has been established and funded at the operationally connected custodian we will begin trading your portfolio.

Financial Guard’s technology is simple enough for a High School student, but sophisticated enough for a PhD. We’re committed to delivering objective financial guidance to all of our customers. Our simple, five question profile tells us enough about you to make recommendations for your investments.

Financial Guard tailors its advice and recommendations by assessing a client’s ability to take risk and willingness to take risk solely through an online questionnaire that must be completed by the client as part of the onboarding process via the Website. Financial Guard asks each prospective client a series of objective financial profile questions and subjective risk tolerance questions to determine their risk profile. Once the risk profile is established, the system determines and recommends a model portfolio suitable for such client. Financial Guard does not take client tax considerations into any decision related to the allocation or investment recommendations.

Financial Guard tailors its advice and recommendations by assessing a client’s ability to take risk and willingness to take risk solely through an online questionnaire that must be completed by the client as part of the on-boarding process via the Website. Financial Guard asks each prospective client a series of objective financial profile questions and subjective risk tolerance questions to determine their risk profile. Once the risk profile is established, the system determines and recommends a model portfolio suitable for such client. In generating its advice and recommendations with respect to a specific client account, Financial Guard considers and takes into account only the client’s financial and risk profile information provided as part of the online questionnaire pertaining to such client’s account and does not consider any other client information to which Financial Guard may have access nor does it take into consideration such client’s tax situation, debt obligations or specific goals.

Investment reviews and recommendations are limited to mutual funds and ETFs and do not consider or review other types of investment products or services.

While some firms have the ability to provide comprehensive financial planning advice by gathering greater amount of information from their clients, robo advisers such as Financial Guard typically provide investment advice and recommendations on the basis of clients’ responses to a fairly brief online questionnaire that solicits very limited amount of information from a client. Therefore, robo advisers, including Financial Guard, frequently do not take into account a client’s tax situation, indebtedness, other investments or specific investment goals in formulating investment advice and recommendations to such client.

Limited Communication – Robo advisers such as Financial Guard communicate with clients primarily through their website or email. In many instances, clients have the ability to call a support line for technical issues or to clarify questions related to the site but do not have direct access to investment personnel.

Robo adviser clients are exposed to the risk of technology failures and issues, such as a lack of internet connectivity, inadequate or limited operation or stability of databases and internal transfers of data, failures of data connections to external custodians as well as other general risks inherent in machine-based operations.