Guardian Investment Advisors

11/03/2026

Your mortgage rate hasn’t changed… so why did your payment go up?Because your monthly payment is more than just principal and interest.On a fixed-rate mortgage, your principal and interest may stay the same, but property taxes and homeowners insurance can increase. If those costs are paid through escrow, those increases can show up directly in your monthly payment.And sometimes it can hit twice.
If your escrow account came up short last year, you may be paying back that shortage while also covering higher costs for the current year.

Two things to check:
1 Review your escrow statement and ask your lender to explain exactly what changed.
2 Check your PMI. It may not be the reason your payment increased, but if you qualify to remove it, that could help reduce your monthly payment.

Your mortgage rate may be locked in.
The cost of owning your home isn’t.
At Guardian Investment Advisors, we believe understanding where your money is going is an important part of building a stronger financial plan.
Save this for the next time your mortgage statement changes, and send it to someone who just got an escrow surprise.
Plan Today. Own Tomorrow.
PropertyTaxes

11/02/2026

Is your retirement plan actually on track?
It’s easy to focus on how much you’ve saved. The harder question is: what could derail the plan?
Health care costs.
A spouse getting sick.
Running out of income.
Future taxes.
Any one of these can push a retirement plan off course — before retirement or years into it.
At Guardian Investment Advisors, we help you identify those risks ahead of time and build a plan designed to stay on track.
And yes… Garry got off the tracks in time. We checked. 😅
📲 Text PLAN to 423-710-9199 to learn more
🌐 Visit GIAPlanToday.com

10/31/2026



10/28/2026

Just because you can claim Social Security at 62 doesn’t mean it’s the right time for you.When you decide to start collecting Social Security can have a lasting impact on your retirement income, your spouse, and even your taxes.The truth is, there’s no one-size-fits-all answer. What works for someone else may not be the best decision for your retirement.Before you file, make sure you’re asking the right questions.

👉 Swipe through these 5 important questions to consider before making your Social Security decision.

At Guardian Investment Advisors, we help you look at the bigger picture and build a retirement income plan that works for you.📲 Schedule your complimentary Social Security review at GIAPLANtoday.com

Plan Today. Own Tomorrow.

10/27/2026

Today, we want to wish a very special Happy Birthday to someone who means so much to our Guardian family! ❤️🎉Bridget, this past year has brought its share of challenges, but through it all, you have shown incredible strength, courage, and resilience.Your kindness, positive spirit, and the joy you bring to our office never go unnoticed. You have such a special place in our Guardian family, and we are truly blessed to have you as part of our team.
Today is about celebrating YOU and the wonderful person you are. We hope this next year brings you happiness, good health, countless blessings, and so many reasons to smile.Happy Birthday, Bridget! 🎂❤️ We are so proud of you and grateful for everything you bring to Guardian. You deserve a truly wonderful day!

10/26/2026

You’ve spent your whole life saving for retirement… but what happens when you’re finally there and you’re afraid to spend it? 💭
We work with people who have done incredibly well for themselves financially, yet still struggle with the idea of spending the money they’ve worked so hard to save.
Retirement shouldn’t be spent worrying about every dollar. It should be about enjoying the life you’ve built.
At Guardian Investment Advisors, we help create personalized retirement spending plans designed to give you the confidence to enjoy your money while planning for the years ahead.
You worked hard to build your retirement. Now it’s time to enjoy it.
📲 Ready to create a plan? Visit giaplantoday.com to get started.

10/24/2026

Our TV show is now on YouTube!

You can now watch Plan Today, Own Tomorrow on your schedule! Join Garry Thurman and the Guardian team for conversations about retirement, protecting what you’ve worked hard for, and planning for what’s next.Head over to our channel, hit SUBSCRIBE, and turn on notifications so you never miss an episode! 🔔

👉 https://www.youtube.com/

Share this with someone who’s getting ready for retirement!

At Guardian Investment Advisors, we believe better decisions start with a better understanding. Garry and the team share educational insights on retirement, markets, income, and wealth management to help you better understand your options and feel more confident about your financial future. Investme...

10/22/2026

One ordinary afternoon, her husband stepped out to check the mail, and her life changed forever.
He had always handled their finances. When he passed, she didn’t know where the checkbook, the life insurance or their accounts were. It took her two years to sort it all out while she was grieving.
If one of you handles the money, take a few minutes this week to walk the other through it: where things are, and who to call.
Share this with someone you love. It could make a hard time a little easier.
Questions? Give us a call at (423) 710-9199.

10/22/2026

The Erik Ainge Show went live from Guardian’s Knoxville office, and what a day it was. Garry got to sit down on air with Erik and his team, meet a room full of new friends, and talk about what real retirement planning looks like. Garry covered why we chose Knoxville, what the Great Wealth Transfer means for your family, and how to protect what you’ve worked your whole life for.
Thank you to Erik, the 99.1 crew, and everyone who came out. Knoxville, we’re glad to be here.
Have questions about your retirement plan? Visit GIAPlanToday.com or call (423) 710-9199.
FinancialPlanning 991TheSportsAnimal

10/21/2026

We were grateful to have Garry Thurman join Bob Bell on JOY 620 AM & 102.5 FM (WRJZ) for a great conversation about faith and financial stewardship!Garry shared the importance of automating your savings, planning ahead, and including your spouse in financial decisions.

Bob also shared a powerful passage from Proverbs 6:6–8, reminding us that preparing for the future and setting money aside are principles rooted in Scripture. 📖

At Guardian Investment Advisors, we believe that building a strong financial future starts with intentional planning and wise decisions today.

A special thank you to Bob Bell and the JOY Radio team for having us!

📻 Be sure to catch Bob Bell every morning on JOY 620 AM & 102.5 FM!