Strategies > Philosophy > FINANCIAL BALANCE

Most people use traditional financial theories and conventional wisdom as a reason to take on increased financial risk. Instead of putting your assets at risk, we consider your complete financial picture and put your financial security first. It's time to get it right.


4 steps to financial balance


protect first

Without adequate protection, your wealth is left exposed to unexpected life events. Your income needs to be protected with the same full replacement approach you use with auto and homeowners’ insurance. We’ll help you discover your real value and protect it for life.


more money in your pocket

Make the most of what you have. We’ll help improve your cash flow by showing you how to:

  • live a budgeted lifestyle
  • reduce your debt
  • increase your discretionary income
  • gain tax efficiency

Guardian, its subsidiaries, agents or employees do not give tax or legal advice. You should consult your tax or legal advisor regarding your individual situation.


save and grow

Investing the right way means more than simply chasing a rate of return. A focus on minimizing risk and becoming more tax efficient allows you to make money while still having enough cash on hand to cover emergencies.


retire right

How much do you need for retirement? Forget whatever arbitrary numbers you’ve heard. Future market performance, medical and tax expenses, and even your own longevity are impossible to anticipate. There is a better way to plan for retirement that doesn’t involve guessing about the future.

take the first step towards financial balance!