Licensing & Professional Disclosures

Mortgage Services

Helping You Navigate Home Financing With Clarity

Mortgage services are provided through Guardian Finance, LLC, a Florida mortgage brokerage. Guardian works with participating mortgage lenders to help clients understand financing options, evaluate available loan programs, prepare for the mortgage process, and pursue financing appropriate to their circumstances.

Mortgage Licensing Information

Consumers are encouraged to independently verify mortgage licensing information through NMLS Consumer Access.

Understanding Guardian's Role as a Mortgage Broker

Guardian Finance, LLC operates as a mortgage broker. Guardian is not the financial institution that ultimately funds most mortgage loans. As a mortgage broker, our role may include helping clients:

• Understand available financing options
• Compare appropriate mortgage programs
• Prepare for the application and underwriting process
• Submit financing requests to participating wholesale lenders
• Navigate the mortgage process from initial conversation through closing

Final loan approval, program eligibility, interest rates, terms, and underwriting decisions are subject to applicable lender and program requirements. Nothing presented on this website constitutes a commitment to lend, guarantee of financing, or guarantee of loan approval.

Mortgage Information & Advertising

Guardian is committed to presenting mortgage information clearly and responsibly. Mortgage programs, interest rates, fees, terms, underwriting requirements, and availability may change. A borrower's eligibility may depend upon factors including:

• Credit history
• Income
• Assets
• Employment
• Debt obligations
• Property characteristics
• Occupancy
• Loan-to-value
• Debt-to-income ratio
• Applicable lender guidelines
• Applicable loan-program requirements

Educational examples, calculators, estimated payments, and financing scenarios are provided for informational purposes unless specifically identified otherwise. They should not be interpreted as a loan approval or commitment to lend. Additional disclosures may accompany specific mortgage programs, rates, advertisements, calculators, or financing scenarios where required.

Tax, Business Advisory & Accounting Services

Professional Guidance With Personal Accountability

Guardian's tax, accounting, and business advisory services are provided under the professional responsibility of:

Visitors are encouraged to independently verify CPA licensing information through the Florida Department of Business and Professional Regulation.

What the CPA Designation Represents

The Certified Public Accountant designation is a regulated professional credential. It reflects professional education, examination, licensing, continuing education, ethical responsibility, and professional accountability. Guardian's approach to tax, accounting, and advisory services is consistent with the principles that guide the broader organization:

The goal is not simply to complete a transaction or prepare a document. It is to help individuals, families, businesses, churches, and organizations better understand the financial decisions before them and approach those decisions with greater clarity and confidence.

Scope of CPA, Tax & Accounting Services

Services provided by Danilo Javier Phillips, CPA may include:

• Individual and business tax preparation
• Tax planning
• Accounting and bookkeeping guidance
• Business advisory services
• Financial analysis
• Management advisory and consulting
• IRS-related tax guidance and representation, when applicable
• Financial education

The availability and scope of any professional service depend upon the specific circumstances of the client and the nature of the engagement. Guardian does not presently use this website to offer audit, attest, or other assurance services requiring Guardian Finance, LLC to hold itself out as a licensed CPA firm.

Educational Information Is Not Individual Professional Advice

Information provided through Guardian's website, Guardian Learning Center, Stewardship Notes, articles, videos, workshops, calculators, guides, social media, and other educational resources is intended to provide general educational and informational guidance unless specifically provided as part of an individual professional engagement.

Tax laws, mortgage programs, regulations, financial circumstances, and professional standards can change. No website article, video, calculator, workshop, or general communication should be considered a substitute for professional advice based upon an individual's particular circumstances.

Use of the Guardian website or submission of a general inquiry does not, by itself, create a CPA-client relationship, mortgage commitment, or other professional engagement.

Distinct Professional Roles

One Guardian. Different Professional Responsibilities.

Guardian brings several areas of financial stewardship together under one broader mission. However, the professional roles involved are distinct.

Equal Housing Opportunity

Fairness Is Part of Stewardship

Independent Verification

You Don't Have to Simply Take Our Word for It

Transparency should include the ability to independently verify professional credentials.