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The Living Balance Sheet

Retirement

The statistics are staggering: every 60 seconds in the United States, a baby boomer turns 60 and begins planning his or her retirement. Even more noteworthy is that many of these individuals are not fully prepared to achieve their retirement goals and significant legacy objectives.

What’s missing from their individual plans is a clear understanding of how unexpected life events and the future cost of living can affect their ability to lead the lifestyle that they’ve dreamed of.

Utilizing The Living Balance Sheet® system’s revolutionary Retirement Income Module, our financial representatives are changing the way individuals and business owners approach retirement planning by helping them to live for today and build wealth for tomorrow.

  • Many pre-retirees do not understand how unexpected life events and inflation can affect their future cost-of-living and retirement plans.
  • The Living Balance Sheet’s Retirement Module allows clients to understand the relationship between asset accumulation and the prioritization of how retirement dollars are spent. It can provide many people with their first organized approach to money management.
  • The system’s Lifestyle Realization Calculator allows our financial representatives to illustrate your retirement assumptions and test them against a variety of life’s realities.

Now, you can see a “big picture” view of your retirement landscape. Previous methods were limited by relying heavily on “static” factors, leaving clients exposed to significant volatility.

The Retirement Module tools take into account the effects of changing interest rates, portfolio values, and tax rates, as well as inflation and major one-time events such as weddings and college tuition. The Lifestyle Realization Calculator provides a step-by-step visualization and assembly of an individual’s cash flow decisions. The Living Balance Sheet® is a living, breathing tracking tool that allows our clients to monitor their net worth and cash flow, both before and during retirement. This technology is a distinct differentiator for retirees, providing many of them their first organized approached to money management.

Top Two Concerns. Many people looking toward retirement are most concerned with how to pay for medical expenses and how to have enough money to fund their current lifestyle throughout their retirement years. The Living Balance Sheet® allows our representatives to show them a combined a blueprint of the guaranteed income streams, identify gaps and risks, and develop strategies that showcase the value of different financial instruments in retirement planning.

Five Steps of the Lifestyle Realization Process

  • Establish lifestyle income objectives by examining how much money you need to live on each year.
  • Identify all guaranteed sources of income, including pensions, Social Security, and annuities, and determine if there are gaps between what you have and what you need.
  • Understand how to make sound spending decisions and the effect of the future cost of living due to inflation, taxes, and things you want to accomplish in life.
  • Assess cash flow sources to determine if your retirement savings can withstand years of inflation.
  • Stress test all types of situations, including the need for assisted-living, market corrections, or a child’s wedding/college tuition or special needs.

Securities products and services are offered through Park Avenue Securities LLC (PAS) 244 Boulevard of the Allies, Pittsburgh PA 15222 1.412.391.6700. PAS is an indirect wholly-owned stock subsidiary of Guardian. Neither Lifetime Financial Growth, LLC. nor Luttner Financial Group Ltd. are affiliates or subsidiaries of PAS or Guardian.

 

PAS is a member FINRA, SIPC.

 

The Information on this site is intended for the residents of Pennsylvania, Ohio, West Virginia, and Maryland. The financial representatives of Lifetime Financial Growth are not licensed to sell securities in all 50 states. To find out if an agent is licensed in your state, please contact Darlene Lucas at 412-391-6700.

 

We are licensed to sell Insurance in the following states: Pennsylvania,Indiana, West Virginia and Ohio.

 

Guardian, its subsidiaries, agents or employees do not give tax or legal advice. The Living Balance Sheet® and logo is a registered trademark of The Guardian Life Insurance Company of America (Guardian), New York, NY. Patent pending. The trademark The Living Balance Sheet and the content and graphics in this website which relate or refer to The Living Balance Sheet system are used under license from Guardian.

 

Guardian does not offer Property & Casualty and Individual Health nor do we provide services for them. Disability income and long term care insurance underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Product provisions and features may vary by state.

 

Important Consumer Information: A broker-dealer "BD", investment advisor "IA", a BD agent, or IA Representative may only transact business in a state if first registered in the state, or is excluded or exempt from registration in that state as a broker-dealer, investment advisor, BD agent, or IA Representative, as appropriate. Follow-up individualized responses to persons in a state by such a firm or individual that involves either affecting or attempting to affect transactions in securities, or the rendering of personalized investment advice for compensation will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion. For information concerning the licensing status or disciplinary history of a broker-dealer, investment advisor, BD agent, or IA rep, a consumer should contact his or her state securities law administrator.

 

This Internet site may contain general information about various investment products. The information or opinions contained in this Internet site should not be construed by any consumer and/or prospective client as an offer to sell or the solicitation of an offer to buy any particular investment product. Such information is directed solely to those individuals who reside in jurisdictions in which the representative is registered in the state where the consumer and/or prospective client reside. Any subsequent direct communication with a consumer and/or prospective client shall only be conducted by a representative that is registered in the state where the consumer and/or prospective client reside.

The Living Balance Sheet® is a registered trademark of The Guardian Life Insurance Company of America. The trademark The Living Balance Sheet® and the content and graphics in this letter, which relate or refer to THE LIVING BALANCE SHEET® system, are used under license from The Guardian Life Insurance Company of America.

*The Living Balance Sheet® displays the financial holdings identified by the client based upon information and valuations provided directly by the client or by electronic feed 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.