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Our Uncommon Process

It Begins with Preparation

Our innovative financial perspective combined with the latest technology are what differentiate us from outdated industry philosophies.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

Our strategic approach provides you with financial balance at all times. You’ll have a sense of comfort knowing you’re more protected, and more connected, to where you are now and where you are going. Our four step process is simple and effective.

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.

Get to Your Optimal Financial Place

The Living Balance Sheet® provides people with a complete wide-angle view of their financial world. Let us help you make the choices that are right for your future.

Protect First

Always consider protection first. You want to plan first 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.

Save and Grow

Investing the right way means more than simply chasing a rate of return. A focus on minimizing risk and becoming more tax efficient allows you to make money while still having enough cash on hand to cover emergencies.

More Money in Your Pocket

Make the most of what you have. We’ll help improve your cash flow by showing you how to:

  • Live a budgeted lifestyle
  • Reduce debt
  • Increase discretionary income
  • Gain tax efficiency

Retire Right

How much do you need for retirement? Future market performance, medical and tax expenses, and even your own longevity are impossible to anticipate. There is a better way to plan for retirement that doesn’t involve guessing about the future.

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.