Guardian Wealth Advisors was organized in 2007 by Kulka Holdings, LLC as an investment advisory firm. As of December 31, 2021, Guardian Wealth Advisors is 100% owned by Myslajek Kemp & Spencer, Ltd. Guardian Wealth Advisors provides a variety of investment advisory services. Our primary focus is wealth advisory and asset management services. The principal part of our investment advisory services is to manage client accounts on either a discretionary or non-discretionary basis. We also furnish investment advice through consultation and furnish advice on matters not involving securities, including financial planning. For ongoing clients, Guardian Wealth Advisors reviews and assesses each client’s overall risk and return objectives periodically by questionnaire and interview and verifies investor return and risk goals at least once a year. If requested, we will also assist you in creating a comprehensive financial plan. Based on your goals from the financial plan, we consider any circumstances that would determine any alteration of our standard strategies. Clients may impose restrictions on investing in certain securities or types of securities. However, we typically customize our standard strategies only if there are significant exceptional items that you have determined with our input. All customization is documented in our process. Because we perform advisory services for more than one client account, there may be conflicts of interest over time devoted to managing any one account and the allocation of investment opportunities among all managed accounts. In such case, we will attempt to resolve all such conflicts in a manner that is generally fair and in the best interests of all clients. Guardian Wealth Advisors may give advice and take action with respect to any of our clients that may differ from advice given or the timing or nature of action taken with respect to any particular client. However, it is our policy, to the extent practicable, to allocate investment opportunities over a period of time on a fair and equitable basis relative to other clients. Guardian Wealth Advisors offers the services discussed below: Financial Planning Services Guardian Wealth Advisors provides consulting services in connection with personal financial matters. The services are offered through private consultations. The services primarily include the creation of a comprehensive plan that concerns itself with the overall considerations of your investments, including retirement plan assets (such as company 401(k) and profit sharing), taxable investments, education funding, legacy planning, estate and insurance plans. Your investment concerns will be determined by interview. After the creation of this plan, Guardian Wealth Advisors may be available for further consultation. In performing these services, we will rely solely on the information we receive from you, or any other professionals you employ. Guardian Wealth Advisors does not serve as an attorney, accountant, or insurance agent, and no portion of our services should be construed as such. Accordingly, Guardian Wealth Advisors does not prepare legal documents, prepare tax returns, or sell insurance products. At your request, we may recommend the services of other professionals for implementation purposes (i.e., attorneys, accountants, insurance agents, etc.). You are under no obligation to engage the services of any such recommended professional. You retain absolute discretion over all implementation decisions and are free to accept or reject any of our recommendations. If you decide to engage any professional (i.e., attorney, accountant, insurance agent, etc.), recommended or otherwise, and a dispute arises thereafter relative to such engagement, you agree to seek recourse exclusively from the engaged professional. At all times, the engaged licensed professional[s] (i.e., attorney, accountant, insurance agent, etc.), and not Guardian Wealth Advisors, shall be responsible for the quality and competency of the services provided. Moreover, Guardian Wealth Advisors is not responsible for any continuing or ongoing review, evaluation or revision of the financial plan after its creation. If, due to a change in circumstances or desire for another general review, you want a follow-up review after the plan is created, it is your responsibility to contact us. Financial Planning clients may also decide to retain Guardian Wealth Advisors to provide discretionary or non-discretionary investment advisory services, which are described below. Clients who engage us to provide a financial plan and subsequently engage us for full investment advisory services may receive a credit from the financial plan fee towards the investment advisory management fee at our sole discretion. Investment Advisory Services Guardian Wealth Advisors provides discretionary investment advisory services (meaning that we may, without prior approval or consultation, initiate any investment transaction on your behalf) and non-discretionary investment advisory services (meaning that we receive your approval before initiating any investment transaction) to assist clients in developing and implementing comprehensive investment strategies for their accounts consistent with their financial goals. Investment strategies are designed, developed or implemented through the use of portfolios. Within each portfolio there is a breakdown of different investment types, and certain percentages are allocated to different asset classes. We generally, although not exclusively, recommend stocks, exchange- traded funds (“ETFs”) and mutual funds to meet a portfolio’s equity holding positions and various types of fixed income securities, including corporate bonds, US government or agency securities, municipal securities, certificates of deposits, exchange-traded funds and mutual funds to meet a portfolio’s fixed income holding positions. Once allocated, Guardian Wealth Advisors provides ongoing supervision of the account(s). Guardian Wealth Advisors utilizes mutual funds and exchange traded funds for your portfolios. In addition to our investment advisory fee described below, and transaction and/or custodial fees discussed below, you will also incur, relative to all mutual fund and exchange traded fund purchases, charges imposed at the fund level (e.g., management fees and other fund expenses). There may be times when we allocate a portion of your investment assets among unaffiliated independent investment managers in accordance with your designated investment objective(s). In such situations, the Independent Manager[s] shall have day-to-day responsibility for the active discretionary management of the allocated assets. Guardian Wealth Advisors shall continue to render investment supervisory services to the client relative to the ongoing monitoring and review of account performance, asset allocation and client investment objectives. Factors that Guardian Wealth Advisors shall consider in recommending Independent Manager[s] include your designated investment objective(s), management style, performance, reputation, financial strength, reporting, pricing, and research. Please Note. The investment management fee charged by the Independent Manager[s] is separate from, and in addition to, Guardian Wealth Advisors’ investment advisory fee disclosed at Item 5 below. ANY QUESTIONS: Guardian Wealth Advisors’ Chief Compliance Officer, Eric Becker, remains available to address any questions that a client or prospective client may have regarding the allocation of account assets to an Independent Manager(s), including the specific additional fee to be charged by such Independent Manager(s). Guardian Wealth Advisors can also provide account reporting services, which can incorporate client investment assets that are not part of the assets that we manage (the “Excluded Assets”). Unless agreed to otherwise, in writing, the client and/or his/her/its other advisors that maintain trading authority, and not Guardian Wealth Advisors, shall be exclusively responsible for the investment performance of the Excluded Assets. Unless also agreed to otherwise, in writing, we will not provide investment management, monitoring or implementation services for the Excluded Assets. The client can engage Guardian Wealth Advisors to provide investment management services for the Excluded Assets pursuant to the terms and conditions of the client agreement between Guardian Wealth Advisors and the client. Non-Discretionary Service Limitations. Clients that determine to engage Guardian Wealth Advisors on a non-discretionary investment advisory basis must be willing to accept that Guardian Wealth Advisors cannot effect any account transactions without obtaining prior consent to any such transaction(s) from the client. Thus, in the event that Guardian Wealth Advisors would like to make a transaction for a client’s account, and client is unavailable, Guardian Wealth Advisors will be unable to effect the account transaction (as it would for its discretionary clients) without first obtaining the client’s consent. Other Assets. A client may:
• hold securities that were purchased at the request of the client or acquired prior to the client’s engagement of Guardian Wealth Advisors. Generally, with potential exceptions, Guardian Wealth Advisors does not/would not recommend nor follow such securities, and absent mitigating tax consequences or client direction to the contrary, would prefer to liquidate such securities. Please Note: If/when liquidated, it should not be assumed that the replacement securities purchased by Guardian Wealth Advisors will outperform the liquidated positions. To the contrary, different types of investments involve varying degrees of risk, and there can be no assurance that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by Guardian Wealth Advisors) will be profitable or equal any specific performance level(s). In addition, there may be other securities and/or accounts owned by the client for which Guardian Wealth Advisors does not maintain custodian access and/or trading authority; and,
• hold other securities and/or own accounts for which Guardian Wealth Advisors does not maintain custodian access and/or trading authority. Corresponding

Services/Fees: When agreed to by Guardian Wealth Advisors, Guardian Wealth Advisors shall: (1) remain available to discuss these securities/accounts on an ongoing basis at the request of the client; (2) monitor these securities/accounts on a regular basis, including, where applicable, rebalancing with client consent; (3) shall generally consider these securities as part of the client’s overall asset allocation; (4) report on such securities/accounts as part of regular reports that may be provided by Guardian Wealth Advisors; and, (5) include the market value of all such securities for purposes of calculating advisory fee. ANY QUESTIONS: Guardian Wealth Advisors’ Chief Compliance Officer, Eric Becker, remains available to address any questions regarding the above. Retirement Rollovers—Potential for Conflict of Interest. A client or prospective client leaving an employer typically has four options regarding an existing retirement plan (and may engage in a combination of these options): (i) leave the money in the former employer’s plan, if permitted, (ii) roll over the assets to the new employer’s plan, if one is available and rollovers are permitted, (iii) roll over to an Individual Retirement Account (“IRA”), or (iv) cash out the account value (which could, depending upon the client’s age, result in adverse tax consequences). If Guardian Wealth Advisors recommends that a client roll over their retirement plan assets into an account to be managed by Guardian Wealth Advisors, such a recommendation creates a conflict of interest if Guardian Wealth Advisors will earn new (or increase its current) compensation as a result of the rollover. If Guardian Wealth Advisors provides a recommendation as to whether a client should engage in a rollover or not (whether it is from an employer’s plan or an existing IRA), Guardian Wealth Advisors is acting as a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. No client is under any obligation to roll over retirement plan assets to an account managed by Guardian Wealth Advisors. Our Chief Compliance Officer remains available to address any questions that a client or prospective client may have regarding the potential for conflict of interest presented by such rollover recommendation. Per the Department of Labor: “When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours.” Accordingly, relative to retirement accounts, “we must:
• Meet a professional standard of care when making investment recommendations (give prudent advice);
• Never put our financial interests ahead of yours when making recommendations (give loyal advice);
• Avoid misleading statements about conflicts of interest, fees, and investments;
• Follow policies and procedures designed to ensure that we give advice that is in your best interest;
• Charge no more than is reasonable for our services; and
• Give you basic information about conflicts of interest.” Cash Positions. Guardian Wealth Advisors continues to treat cash as an asset class. As such, unless determined to the contrary by Guardian Wealth Advisors, all cash positions (money markets, etc.) shall continue to be included as part of assets under management for purposes of calculating Guardian Wealth Advisors’ advisory fee. At any specific point in time, depending upon perceived or anticipated market conditions/events (there being no guarantee that such anticipated market conditions/events will occur), Guardian Wealth Advisors may maintain cash positions for defensive purposes. In addition, while assets are maintained in cash, such amounts could miss market advances. Depending upon current yields, at any point in time, Guardian Wealth Advisors’ advisory fee could exceed the interest paid by the client’s money market fund. ANY QUESTIONS: Guardian Wealth Advisors’ Chief Compliance Officer, Eric Becker, remains available to address any questions that a client or prospective may have regarding the above fee billing practice. Cash Sweep Accounts. Certain account custodians can require that cash proceeds from account transactions or new deposits, be swept to and/or initially maintained in a specific custodian designated sweep account. The yield on the sweep account will generally be lower than those available for other money market accounts. When this occurs, to help mitigate the corresponding yield dispersion, Guardian Wealth Advisors shall (usually within 30 days thereafter) generally (with exceptions) purchase a higher yielding money market fund (or other type security) available on the custodian’s platform, unless Guardian Wealth Advisors reasonably anticipates that it will utilize the cash proceeds during the subsequent 30-day period to purchase additional investments for the client’s account. Exceptions and/or modifications can and will occur with respect to all or a portion of the cash balances for various reasons, including, but not limited to the amount of dispersion between the sweep account and a money market fund, the size of the cash balance, an indication from the client of an imminent need for such cash, or the client has a demonstrated history of writing checks from the account. Please Note: The above does not apply to the cash component maintained within a Guardian Wealth Advisors actively managed investment strategy (the cash balances for which shall generally remain in the custodian designated cash sweep account), an indication from the client of a need for access to such cash, assets allocated to an unaffiliated investment manager, and cash balances maintained for fee billing purposes. Please Also Note: The client shall remain exclusively responsible for yield dispersion/cash balance decisions and corresponding transactions for cash balances maintained in any Guardian Wealth Advisors unmanaged accounts. ANY QUESTIONS: Guardian Wealth Advisors’ Chief Compliance Officer, Eric Becker, remains available to address any questions that a client or prospective client may have regarding the above. Portfolio Activity. Guardian Wealth Advisors has a fiduciary duty to provide services consistent with the client’s best interest. Guardian Wealth Advisors will review client portfolios on an ongoing basis to determine if any changes are necessary based upon various factors, including, but not limited to, investment performance, market conditions, fund manager tenure, style drift, account additions or withdrawals, and/or a change in the client’s investment objective. Based upon these factors, there may be extended periods of time when Guardian Wealth Advisors determines that changes to a client’s portfolio are unnecessary. Clients remain subject to the fees described in Item 5 below during periods of portfolio inactivity. Of course, as indicated below, there can be no assurance that investment decisions made by the Guardian Wealth Advisors will be profitable or equal any specific performance level(s). Cybersecurity Risk. The information technology systems and networks that Guardian Wealth Advisors and its third-party service providers use to provide services to Guardian Wealth Advisors’ clients employ various controls, which are designed to prevent cybersecurity incidents stemming from intentional or unintentional actions that could cause significant interruptions in Guardian Wealth Advisors’ operations and result in the unauthorized acquisition or use of clients’ confidential or non-public personal information. Clients and Guardian Wealth Advisors are nonetheless subject to the risk of cybersecurity incidents that could ultimately cause them to incur losses, including for example: financial losses, cost and reputational damage to respond to regulatory obligations, other costs associated with corrective measures, and loss from damage or interruption to systems. Although Guardian Wealth Advisors has established processes to reduce the risk of cybersecurity incidents, there is no guarantee that these efforts will always be successful, especially considering that Guardian Wealth Advisors does not directly control the cybersecurity measures and policies employed by third-party service providers. Clients could incur similar adverse consequences resulting from cybersecurity incidents that more directly affect issuers of securities in which those clients invest, broker-dealers, qualified custodians, governmental and other regulatory authorities, exchange and other financial market operators, or other financial institutions. Client Obligations. In performing our services, Guardian Wealth Advisors shall not be required to verify any information received from the client or from the client’s other professionals and is expressly authorized to rely thereon. Moreover, it remains each client’s responsibility to promptly notify Guardian Wealth Advisors if there is ever any change in his/her/its financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services. Investment Risk. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by Guardian Wealth Advisors) will be profitable or equal any specific performance level(s). Disclosure Brochure. A copy of Guardian Wealth Advisors’ written Brochure as set forth on Part 2A of Form ADV and Form CRS (Client Relationship Summary) shall be provided to each client prior to, or contemporaneously with, the execution of an agreement between the client and Guardian Wealth Advisors. As of December 31, 2023, we managed approximately $41,545,628 in non- discretionary assets and $207,683,159 in discretionary assets for a total of $249,228,787 of assets under management.