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Disclosures

Disclosures and Important Information

Effective Date: August 30, 2026
Last Updated: August 30, 2026

Important Summary

Guardian Financial Partners, LLC provides financial education, organizational structure, implementation support, and professional coordination. Guardian Financial Partners, LLC is not a registered investment adviser or broker-dealer and does not provide securities, investment-advisory, legal, tax, accounting, or government-benefits representation through this website. Regulated recommendations and professional services are provided only by separately engaged, appropriately licensed, registered, accredited, or credentialed professionals.

Nothing on this website is a promise, guarantee, securities recommendation, government endorsement, or substitute for professional advice based on your complete circumstances.

  1. Guardian’s Role

Guardian Financial Partners, LLC designs and coordinates financial operating systems for military-connected individuals and families, transitioning service members, veterans, and entrepreneurs.

Guardian may assist clients in:

  • Organizing income, benefits, assets, obligations, goals, and professional relationships; 
  • Creating capital and benefits inventories; 
  • Identifying missing information; 
  • Establishing administrative standards and operating routines; 
  • Preparing decision points; 
  • Developing questions for licensed professionals; 
  • Tracking deadlines and next actions; 
  • Supporting implementation; and 
  • Coordinating communication among appropriate professionals. 

Clients remain in command of their decisions.

Guardian does not exercise discretionary authority over client assets or accounts.

  1. Registration and Professional Status

As of the Effective Date and in the capacity described on this website:

  • Guardian Financial Partners, LLC is not a registered investment adviser; 
  • Guardian Financial Partners, LLC is not a broker-dealer; 
  • Guardian Financial Partners, LLC is not a member of FINRA; 
  • Guardian Financial Partners, LLC is not a member of SIPC; and 
  • Guardian Financial Partners, LLC does not provide securities transactions or portfolio-management services. 

Lisa Galloway is not a CFP professional and is not registered through Guardian to provide investment-advisory or securities-brokerage services.

Guardian is not a law firm, CPA firm, tax-preparation firm, mortgage lender, mortgage broker, real estate brokerage, or government-benefits agency.

Professional credentials held by a guest, speaker, referral partner, or independent professional belong to that individual or firm. Those credentials do not extend to Guardian or to any other person.

  1. Financial Education Is Not Individualized Investment Advice

Guardian may discuss general financial concepts, including:

  • Budgeting; 
  • Cash flow; 
  • Emergency reserves; 
  • Debt; 
  • Credit; 
  • Benefits; 
  • Retirement terminology; 
  • Insurance concepts; 
  • Business operations; 
  • Investment fundamentals; 
  • Risk; 
  • Diversification; 
  • Compound growth; and 
  • Questions to discuss with licensed professionals. 

General education does not include a recommendation that a particular person:

  • Buy, sell, hold, exchange, or allocate a security; 
  • Select a specific investment; 
  • Change a portfolio; 
  • Use a specific asset allocation; 
  • Transfer or roll over a retirement account; 
  • Purchase an investment product; 
  • Engage in a particular securities transaction; or 
  • Retain a specific investment adviser or broker. 

Any individualized investment recommendation must come from an appropriately registered investment professional who has reviewed the person’s complete circumstances and entered into a separate agreement.

  1. Investment Risk

All investing involves risk, including possible loss of principal.

Past performance does not guarantee future results.

No investment strategy can guarantee:

  • A profit; 
  • Protection from loss; 
  • A particular rate of return; 
  • Retirement sufficiency; 
  • Tax results; or 
  • A particular financial outcome. 

Market information, historical examples, projections, and investment illustrations are educational and may not reflect actual costs, taxes, fees, market conditions, behavior, or results.

  1. Tax and Accounting Disclosure

Guardian may provide general education concerning tax terminology, record organization, tax-related questions, or coordination with tax professionals.

Guardian does not provide tax opinions, prepare tax returns, calculate an official tax liability, determine eligibility for a deduction or credit, or represent a taxpayer before a taxing authority.

Consult a CPA, enrolled agent, tax attorney, or other appropriately qualified tax professional before acting on tax information.

  1. Legal and Estate-Planning Disclosure

Guardian may provide general education concerning estate-planning concepts, beneficiary organization, document inventories, powers of attorney, wills, trusts, business succession, or professional coordination.

Guardian does not provide legal advice or draft, interpret, approve, or modify legal documents.

Only a licensed attorney who has reviewed your circumstances can advise you regarding legal rights, document language, estate-planning structures, or the legal effect of a decision.

  1. Insurance Disclosure

Where insurance information is discussed, general educational information does not constitute an insurance offer or policy.

An insurance product may be solicited, recommended, or sold only by a properly licensed and appropriately appointed insurance producer in a state where the activity is authorized.

Insurance availability, features, premiums, underwriting, exclusions, limitations, and benefits vary by product, company, person, and state. The insurance contract controls.

Insurance-product guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company.

Insurance products are not bank deposits and are not insured by the Federal Deposit Insurance Corporation or National Credit Union Administration.

Any insurance license held by a Guardian team member applies only to the activities and jurisdictions authorized by that license.

  1. Military, Veterans, and Government-Benefits Disclosure

Guardian is not affiliated with, sponsored by, endorsed by, or acting on behalf of:

  • The Department of Defense; 
  • The Department of Veterans Affairs; 
  • Any branch of the United States Armed Forces; 
  • The Social Security Administration; 
  • The Internal Revenue Service; 
  • The Small Business Administration; or 
  • Any other governmental entity. 

References to military service, veterans, transitioning service members, military families, benefits, programs, or agencies are for educational and audience-identification purposes.

Benefits eligibility, amounts, rules, deadlines, and interpretations are determined by the applicable agency or authorized representative.

Guardian does not guarantee approval of a claim, appeal, benefit, entitlement, rating, payment, loan, or government decision.

Guardian does not represent a claimant before the Department of Veterans Affairs unless a person providing that service is separately accredited and legally authorized to do so. Any such separate role would be clearly disclosed in writing.

Use of military terminology, photographs, symbols, or references does not imply endorsement by the United States government or a military branch.

  1. Independent Professionals

Guardian may coordinate with or introduce clients to:

  • Investment professionals; 
  • Insurance professionals; 
  • Attorneys; 
  • CPAs; 
  • Enrolled agents; 
  • Tax professionals; 
  • Mortgage professionals; 
  • Real estate professionals; 
  • Benefits specialists; 
  • Business advisers; and 
  • Other independent service providers. 

Unless expressly stated in writing, these professionals are independent and are not Guardian employees or agents.

Guardian does not control their:

  • Advice; 
  • Recommendations; 
  • Fees; 
  • Products; 
  • Licensing; 
  • Availability; 
  • Professional judgment; or 
  • Results. 

You are responsible for evaluating an independent professional and entering into a separate agreement directly with that professional.

Professional registration and disciplinary information should be independently verified through the applicable state licensing agency, state bar, accountancy board, insurance department, FINRA BrokerCheck, or the SEC’s Investment Adviser Public Disclosure system, as appropriate.

  1. Compensation and Potential Conflicts

Guardian may receive compensation for:

  • Educational programs; 
  • Courses; 
  • Organizational or coordination services; 
  • Consulting engagements; 
  • Speaking engagements; 
  • Digital resources; or 
  • Other contracted services. 

Where a properly licensed Guardian team member participates in an insurance transaction, the licensed producer may receive compensation from the insurance company, including commissions or other compensation permitted by law.

Guardian may also maintain referral or professional relationships. Any material referral compensation or conflict required to be disclosed will be disclosed before or at the time the relevant decision is made.

The existence of a link, introduction, guest presentation, or professional relationship does not by itself mean Guardian receives compensation.

  1. Mortgage, Real Estate, Credit, and Lending Information

Guardian may provide general education concerning:

  • VA loans; 
  • Mortgages; 
  • Homeownership; 
  • Credit reports; 
  • Credit scores; 
  • Debt; 
  • Real estate; 
  • Business financing; or 
  • Questions to ask a lender or real estate professional. 

Guardian does not, through the Site:

  • Approve loans; 
  • Guarantee interest rates; 
  • Guarantee credit improvement; 
  • Remove accurate credit information; 
  • Act as a mortgage lender or broker; 
  • Provide a formal property appraisal; 
  • Act as a real estate broker; or 
  • Guarantee a closing, purchase, sale, or financing outcome. 

Consult an appropriately licensed professional before entering a real estate, mortgage, lending, or credit-related transaction.

  1. Business and Entrepreneurial Information

Business education, operating frameworks, revenue discussions, examples, and strategic concepts do not guarantee:

  • Revenue; 
  • Profit; 
  • Financing; 
  • Business value; 
  • Growth; 
  • Tax treatment; 
  • Contract awards; 
  • Customer acquisition; 
  • Business continuity; or 
  • A successful sale or exit. 

Unless prepared by a qualified valuation professional under a separate agreement, any discussion of business value is educational and is not a certified appraisal, valuation opinion, fairness opinion, or representation of market value.

  1. Testimonials and Endorsements

Testimonials reflect the personal experiences and opinions of the individuals providing them.

They do not guarantee that another client or participant will experience the same result.

Guardian does not represent that a testimonial result is typical or generally expected unless Guardian has appropriate support for that representation.

Testimonials may be edited for length, grammar, formatting, or privacy without intentionally changing their substantive meaning.

Any material relationship, payment, incentive, or other connection relating to a testimonial or endorsement will be disclosed when required.

  1. Educational Tools, Calculators, and Illustrations

Worksheets, scorecards, calculators, estimates, projections, examples, and assessments are educational tools.

Their outputs depend on:

  • Information entered; 
  • Assumptions; 
  • Available data; 
  • Simplifications; 
  • Estimated rates; 
  • Time periods; and 
  • Other variables. 

An educational calculation is not a guarantee, official valuation, tax calculation, investment recommendation, benefits determination, or promise of results.

  1. Accuracy and Changes

Guardian seeks to provide useful information but does not guarantee that every item is complete, current, or appropriate for every person.

Laws, regulations, benefits, tax rules, financial products, professional requirements, interest rates, and market conditions may change without notice.

Verify important information with the applicable agency or appropriately qualified professional before acting.

  1. Geographic Availability

Not every product, service, professional, or program is available in every state.

Guardian and independent professionals will provide regulated services only where appropriately authorized, registered, licensed, appointed, accredited, or exempt.

Site availability in a location does not mean every service is legally available there.

  1. No Guarantee of Results

Guardian does not guarantee:

  • Financial independence; 
  • Wealth creation; 
  • Investment performance; 
  • Tax savings; 
  • Debt elimination; 
  • Credit improvement; 
  • Benefits approval; 
  • Insurance approval; 
  • Loan approval; 
  • Business success; 
  • Specific income; 
  • Retirement readiness; or 
  • Any other particular result. 

Results depend on individual circumstances, decisions, behavior, market conditions, laws, professional recommendations, and factors beyond Guardian’s control.

  1. Privacy and Confidentiality

The Privacy Policy explains how Guardian handles personal information.

General website forms and ordinary email are not appropriate for highly sensitive financial, tax, medical, benefits, or identity information.

A formal engagement agreement may establish additional confidentiality, information-security, and record-handling requirements.

  1. Contact Guardian

Questions concerning these Disclosures may be directed to:

Guardian Financial Partners, LLC
P.O. Box 700923, San Antonio, Texas 78270-0923
Telephone: 210-416-6768
Email: Lisa@gfinancialpartners.com