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Financial Disorganization

The challenge of keeping pace with an ever changing financial landscape can be difficult as personal information rests scattered among multiple advisors, institutions and accounts. Consumers often become confused and frustrated as they attempt to properly arrange the pieces of their financial puzzle. What?s missing is a single platform or "home base" which provides organization and easy access to a complete financial picture.



Cost of Living Factors

Many people continue to miscalculate what it actually costs to live. Beyond inflation, powerful economic forces collide to drive up the cost of living for today while also saving for tomorrow. Keeping pace with this "real cost of living" requires protection, organization, and precision - and a tool that will monitor financial progress.


Financial Myths

For many, the effects of financial myths can be a destructive force impeding important lifestyle and legacy objectives.

Common Financial Myths

"My money only needs to keep pace with inflation."
"I will be in a lower income tax bracket at retirement."
"My 401(k) plan creates a tax savings, which can be spent or invested."
"Compounding interest creates a financial miracle."
"I won't need life insurance when I retire."
"A 15 year mortgage costs less than a 30 year mortgage."
"Divesting is the same as investing."
"Rate of return on my assets is more important than regular savings habits."
"To increase protection, my cash flow will suffer."

The Living Balance Sheet ® and logo are registered trademarks of The Guardian Life Insurance Company of America, New York, NY.

(1) 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 feeds from the client?s financial institutions. Valuations provided by electronic feeds reflect the most current information provided by the financial institutions as of the date and time noted, but can reflect valuations from an earlier date and time.