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Personal Planning

Step One: Philosophy Meeting

Why do you work? What is your TRUE PURPOSE for money? What do you want to achieve with your resources?We clearly define the goals that you would like to achieve during your lifetime. It is this list of goals that will guide the rest of your planning process. Once we know where you want to go we share our philosophy on the financial world.

Step Two: Data Gathering & Analysis

We collect and organize the important information in your financial life. We will then populate your Living Balance Sheet®, giving us a clear starting point to assess your finances.

Step Three: Asset & Income Protection Analysis

A thorough analysis of your Protection domain. We provide an assessment of how well you are protected from a number of risks, and discuss how those exposures could affect your other financial domains. We then develop an Action Plan to address those threats and mitigate the risks.

Step Four: Cash Flow & Investments

We examine your current cash flow in relation to the goals you laid out in the Philosophy meeting. This serves as a basis of comparison to measure the effectiveness of other potential strategies. We will weigh factors like protection, flexibility, risk tolerance, taxes and inflation as we simulate various cash flow strategies unfolding across your financial timeline. We then discuss the best investment options based upon your unique situation.

Step Five: Implement & Review

The best plan that is not executed is useless. Therefore, once the optimal strategy is agreed upon, we will narrow our focus to the tactical changes needed to implement the strategy. Once the plan is in place and running, we Review & Revise the plan as necessary.

The Living Balance Sheet® (LBS) and the LBS logo are service marks of The Guardian Life Insurance Company of America (Guardian), New York, NY. © Copyright 2005-2023 Guardian

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