Introducing
The Living Balance Sheet®
The Living Balance Sheet is an interactive web-based tool grounded on a unique philosophy that challenges traditional thinking and offers a new approach to financial decision making. It adheres to a time-tested process that helps clients achieve their financial goals.
Get Organized
Keeping track of finances using multiple websites, statements and piles of paperwork isn’t easy. There is a better and simpler way to see exactly what you own and what you owe.
The Living Balance Sheet provides you with a consolidated and up-to-date view of your complete financial picture. With one account you gain access to daily updates for all of your:
- Assets
- Liabilities
- Insurance protection
- Cash flow
With all accounts and values in one location, you always know what you have and what you’re worth.
Get to Your
Optimal Financial Place
The Living Balance Sheet provides people with a complete wide-angle view of their financial world.
Let us help you make the choices that are right for your future.
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Protect First
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Save and Grow
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More Money in Your Pocket
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Retire Confidently
Protect First
Always consider protection first. You want to plan first for what may happen today before you plan for what may happen tomorrow. Without adequate protection, your wealth is left exposed to unexpected life events.
Save and Grow
Investing confidently means more than simply chasing a rate of return. A focus on mitigating risk and becoming more tax efficient allows you to make money while still having enough cash on hand to cover emergencies.
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
Retire Confidently
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.
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 2005-2025 Guardian.