The Living Balance Sheet®

Leverage the power of The Living Balance Sheet® (LBS) to create deeper client relationships and
an outstanding client experience. Our financial professionals come together to learn and share
the strategies that can help our clients achieve their financial goals.         

 Easily offer a comprehensive approach
Understanding the big picture and considering cash flow offers the opportunity to coordinate your client's investments, annuities, and life insurance. You can help your client structure their balance sheet for tax-efficient cash flow while maintaining liquidity and options to participate in the market.

Build trust with clients
A positive conversation on income protection, rooted in what matters most to your client, can provide a better client experience. This conversation will likely be the first of many and the cornerstone of a strong relationship built on trust.

Our financial philosophy is rooted in a protection-first mentality. You can use The Living Balance Sheet® to provide your clients with an understanding of why we believe in protection first and what maximum protection looks like.

Have more compelling conversations
When you consider your client's entire financial picture, you'll be able to identify cash flow sources, determine "how much," and have a responsible "how to" conversation. And when clients know you're developing a long-term wealth-building strategy that doesn't affect their quality of life today, they are much more comfortable making financial decisions for a better tomorrow.

The Living Balance Sheet® (LBS) and the LBS Logo are registered service marks. of The Guardian Life Insurance Company
of America (Guardian), New York, NY. © Copyright 2005-2026 The Guardian Life Insurance Company of America.