The Living Balance Sheet®
See your financial life.
Bring the pieces together.
Getting organized is the first step toward understanding. Explore protection, assets, liabilities, and cash flow as parts of one connected financial picture.
Take a fresh look
Your financial picture
deserves a wider view.
Budgets, accounts, insurance, and financial goals are often viewed separately. The Living Balance Sheet® brings information together so you and your financial professional can explore how those pieces connect.
Begin with what matters to you and the questions you want to answer. Then build a clearer picture of what you own, what you owe, and the protection and cash flow behind your plans.
Protection
AssetsLiabilities
Cash FlowFour connected parts.
One broader conversation.
Introducing The Living Balance Sheet®
Get organized.
An interactive, web-based tool for exploring your financial world with your professional.
From separate accounts to a connected picture.
Bring information about your assets, liabilities, insurance protection, and cash flow into your planning conversation. Review the relationships, identify questions, and consider what deserves attention next.
Protect First
Discuss the risks that could affect your household, income, and responsibilities. Explore the protection appropriate to your circumstances with your professional.
Save and Grow
Consider savings, investments, and the role they play in your goals alongside protection, debt, and liquidity needs.
More Money in Your Pocket
Understand where money comes from and where it goes. Explore the impact of expenses, debt, taxes, and savings decisions with the appropriate professionals.
Retire Right
Discuss retirement priorities, resources, income needs, and the decisions that deserve attention as that chapter approaches.
Explore the philosophy
For your life.
For your business. For perspective.
For Your Business
Financial Balance®
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Continue to The Living Balance Sheet® or contact our office for help getting started.
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 2005-2026 Guardian
The Living Balance Sheet® system 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 institution as of the date and time noted, but can reflect valuations from an earlier date and time.
