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You Deserve an Uncommon Approach 

Our innovative financial perspective combined with distinguished technology differentiate us from outdated industry philosophies. We don’t try to predict the future; we prepare you for it.


How Do We Help You Achieve Financial Balance?

Our strategic approach is meant to ensure optimal protection leaving you in a better position to fulfill your immediate and long-term hopes and dreams. Our 4-step process, often powered by The Living Balance Sheet®, is simple and effective.

Protect First

Protect First

Plan for what may happen today before you plan for what may happen tomorrow. Without adequate protection, your wealth is left exposed to unexpected life events.

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Save and Grow

Save and Grow

Focusing on minimizing risk and becoming more tax efficient allows you to make money while still having enough cash on hand to cover emergencies.

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Keep Cash Flow

Keep Cash Flow

We’ll help improve your cash flow by showing you how to live a budgeted lifestyle, reduce debt, increase discretionary income, and gain tax efficiency.

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Retire Right

Retire Right

Future market performance, medical and tax expenses, and longevity are impossible to anticipate. There is a better way to plan for retirement that doesn’t involve guess work.

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Introducing The Living Balance Sheet®

The Living Balance Sheet® is an interactive web-based tool grounded on a unique philosophy that challenges traditional thinking and offers a new approach to financial decision making. It adheres to a proven process that helps clients achieve their financial goals. 

Get Organized 

Get Organized

Keeping track of finances using multiple websites, statements and piles of paperwork isn’t easy. There is a better and simpler way to see exactly what you own and what you owe.

The Living Balance Sheet® provides you with a consolidated and up-to-date view of your complete financial picture. With one account you gain access to daily updates for all of your:

■ Assets ■ Liabilities ■ Insurance protection ■ Cash flow ■

 With all accounts and values in one location, you always know what you have and what you’re worth.

Additional Content Resources

The following videos highlight the positive impact of personal and professional financial balance.

For Your Life

For Your Business

Financial Truth


The Living Balance Sheet® and The Living Balance Sheet® Logo are registered service marks of The Guardian Life Insurance Company of America (Guardian), New York, NY.  © Copyright 2005-2021 Guardian. The Living Balance Sheet® system displays the financial holdings identified by the client based upon information and valuations provided directly by the client or by electronic feeds from the client’s financial institutions. Valuations provided by electronic feeds reflect the most current information provided by the financial institution as of the date and time noted, but can reflect valuations from an earlier date and time.

Want to Learn More About Our Financial Planning Process? Ask! An IPA team member will be in touch.

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