Matt Pontes - Guardian Financial Group

Matt Pontes - Guardian Financial Group Independent Financial Advisor Money isn’t everything, but how you manage it is. As a fiduciary, I uphold the highest standards of professional financial advice.

Guardian Financial Group is a comprehensive financial services firm with extensive experience and a foundation of integrity. From wealth and risk management to estate, business, and tax planning, I’m here to protect your best interests and help you achieve your financial goals. My passion for financial planning goes beyond the numbers; I take pride in helping people manage their assets more effect

ively by delivering a concierge-level client experience. I am legally obligated to put my clients’ best interests first at all times – and I wouldn’t have it any other way. Being independent allows me to develop personalized solutions and strategies, leveraging relationships with the most trusted financial professionals and brands in the world. My fee-for-service model creates transparency and enables clients to clearly quantify the value I provide.

The average expense ratio for US mutual funds has dropped by more than half over the last 20 years. If your fund lineup ...
09/03/2026

The average expense ratio for US mutual funds has dropped by more than half over the last 20 years. If your fund lineup hasn't been reviewed recently, you might still be paying two or three times the current average. On a $500K portfolio, even half a percent adds up. Some things are worth a second look.

This checklist shows you the difference.

🏈 Football season is almost here, and all 32 NFL teams are bringing something new to the field.From offseason moves and ...
09/02/2026

🏈 Football season is almost here, and all 32 NFL teams are bringing something new to the field.

From offseason moves and fresh faces to shifting expectations across every division, there’s no shortage of storylines heading into 2026.

The season opens with the New England Patriots facing the Seattle Seahawks in a Super Bowl 60 rematch, and that’s just the beginning.

Whether you’re following your hometown team, setting a fantasy lineup, or just counting down to Sundays on the couch, now’s a great time to catch up on what changed during the offseason.

🏆 Which team are you watching most closely this season?

NBC Sports has 32 team previews full of stats, storylines and projections that could shape your favorite team’s season.

Some people spend years preparing financially for retirement but never think about what they will actually do each day. ...
09/01/2026

Some people spend years preparing financially for retirement but never think about what they will actually do each day. Retirement can become far more rewarding when financial planning is paired with a clear vision of purpose, connection, and meaningful experiences.

Explore the next chapter you get to author.

Research suggests a large share of investors check their portfolio at least once a day. But how many have reviewed the s...
08/27/2026

Research suggests a large share of investors check their portfolio at least once a day. But how many have reviewed the structure behind those numbers recently? There's a difference between monitoring performance and evaluating whether your allocation, fees, and withdrawal strategy still fit your timeline. If retirement is getting closer, that second kind of review is worth doing.

The years around retirement are when alignment matters.

There is no perfect retirement lifestyle because there is no perfect life that fits everyone. Your next chapter might in...
08/25/2026

There is no perfect retirement lifestyle because there is no perfect life that fits everyone. Your next chapter might include adventure, meaningful work, family time, or peaceful mornings. The important part is creating a future that reflects what matters most to you.

The shift from pensions changed the story.

A lot of investors check their portfolio regularly — some even daily. But checking and reviewing aren't the same thing. ...
08/20/2026

A lot of investors check their portfolio regularly — some even daily. But checking and reviewing aren't the same thing. Checking tells you what happened. A review evaluates whether the structure behind those numbers still fits where you're headed. If retirement is on your radar, that distinction could matter more than you think.

Expense ratios have dropped a lot since 2005.

Retirement is often seen as freedom, but its meaning differs for everyone. It could mean working less, spending more tim...
08/18/2026

Retirement is often seen as freedom, but its meaning differs for everyone. It could mean working less, spending more time with loved ones, volunteering for causes, or enjoying a leisurely lifestyle. The important thing is to choose what best fits your personal life.

Retirement is becoming more personal.

Retirement is no longer a finish line. For many people it is the beginning of a completely new chapter. That shift makes...
08/11/2026

Retirement is no longer a finish line. For many people it is the beginning of a completely new chapter. That shift makes thoughtful financial planning more important than ever because your retirement years may be as long as your working years.

See how retirement has changed over 75 years.

If you own a business, or know someone who does, this might be worth a quick read. A massive wave of business ownership ...
07/28/2026

If you own a business, or know someone who does, this might be worth a quick read. A massive wave of business ownership transitions is starting to unfold across America — and the numbers are bigger than most people realize. New visual newsletter explores what's coming.

Traditional industries quietly outlast startups

Every town has them. The pest control truck. The storage facility off the highway. The plumbing contractor whose phone n...
07/21/2026

Every town has them. The pest control truck. The storage facility off the highway. The plumbing contractor whose phone never stops ringing. Businesses no one writes about — but ones that quietly hold a lot of communities together.

Are business owners ready for the wave?

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Phoenix, AZ
85016

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Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 3pm

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+16193455070

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