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Our Process

Our Process is centered on dealing with those things that are bothering you and causing you concern. You define our process, because what you want to accomplish, is the most important thing to us.


Many people feel overwhelmed by multiple competing financial concerns, opinions, and products. That can lead to stress and uncertainty—and poor decisions with their money. Instead, it’s important to first organize financial priorities and understand the proper order for addressing your specific situation. Take care of today, establish a good foundation to respond to life events, and then build on that solid framework to prepare for the time ahead.

Traditional financial thinking often targets a narrow area of focus, leaving other critical areas completely unaddressed. This can lead people to take inappropriate levels of risk and leave them financially vulnerable and unprepared for their future.


1. Disorganization

2. Rate of Return over Savings Rate

3. Lack of Prioritization

4. Guessing the “Need”


Insufficient income and asset protection

Low annual savings

Lack of liquid assets

Poor debt management


Client Centered

Using The Living Balance Sheet®, our planning process helps clients get organized in a way they have never experienced before.

Imagine being able to see everything about your money—on a single page. This “wide angle view” puts you in control so you can be more powerful with your finances.

The Living Balance Sheet® and The Living Balance Sheet® Logo are service marks of The Guardian Life Insurance Company of America® (Guardian), New York, NY. © Copyright 2005-2019 Guardian.


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