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Meet Our Team


Matt Howard

Matt Howard


A family man at heart, Matt understands the value of integrity, hard-work, and dedication. As a father of five children, Matt enjoys spending time coaching his son’s church league baseball and basketball teams.
He also enjoys bike riding with his family and spending time at the family ranch.

Matt attended the University of Arkansas and after receiving his degree began a career in the oil and gas industry. For over a decade Matt consulted for an accounting and reorganization firm in Dallas.

Working to unwind the impact of poor and even fraudulent financial activities for over a decade allowed him to see firsthand the devastating impact poor financial planning. Matt has a heart for service and his experience pushed him to a place where he can help people protect, invest, and grow their assets in a wise fashion.

Tyler Rea Headshot

Tyler Rea, CPA

Senior Advisor

As a Certified Public Accountant (CPA) and a man of faith, Tyler is committed to honesty and finding the best solution for his clients. He takes a comprehensive approach to financial planning, considering all aspects of his clients' financial lives and developing tailored solutions to help them achieve their long-term goals.

Tyler attended Texas A&M University, where he earned a Bachelor’s degree in Accounting and a Master’s Degree in Finance. Tyler then worked as an auditor for Ernst and Young. He later transitioned into the role of Accounting Manager in the insurance industry, overseeing financial operations and leading financial reporting and analysis efforts. Tyler has a passion for helping individuals achieve their financial goals that developed at a young age, as he watched his father work as a financial planner. Leveraging his experience in accounting and finance, Tyler helps his clients make informed investment decisions and develop effective financial strategies.

Tyler has been married to Lauren, his college sweetheart, for 5 years. He spends much of his free time with her and their church community. In their free time, you will find Tyler and Lauren enjoying nature, rock climbing, cooking, running with their Australian Shepherd, or sharing a meal with their large extended family.

Our Founder - In Memoriam   

rick and brenda foster

Rick Foster (1951-2023)


As a retirement income specialist and investment advisor representative, Rick Foster founded Guardian Financial Management more than 20 years ago and helped hundreds of people protect and grow their assets in the North Texas and Southern Oklahoma area. An educator and plain talker, Rick's approach was to provide knowledge to help his clients understand a better way to participate in bull markets while reducing their risk at the same time. He called it "growing your money with guardrails." By listening closely to each client's needs, he developed a unique plan that met their individual goals. Rick was a Texan and a horseman, a husband to Brenda, a father, a grandfather, and a great-grandfather.

We lost Rick in November 2023 after a brave battle with cancer, but his legacy of integrity, faith, plain talk, and genuine care for the needs of his clients are the animating priciples that will always guide Gaurdian Financial Management.

Rick handpicked and worked alongside Matt Howard as his trusted successor, and today, Matt as President, along with Senior Advisor Tyler Rea, continue Rick's legacy of educating and serving to help their clients achieve a successful retirement.