The Living Balance Sheet

What is The Living Balance Sheet?

The Living Balance Sheet is a software tool that provides you with an online, comprehensive view of your financial information, no matter where that financial information is held. Its purpose is to enable you to protect your financial well-being and prepare for your future. It has many features such as reports, financial calculators, and the Vault (an online safe deposit box) for irreplaceable personal documents such as Wills, Trusts, Passport information, photos etc.

How can I access The Living Balance Sheet?

Your Guardian Financial Representative will provide you with a logon and password to your own personal financial website. If you would like to align with one of our representatives to get started with The Living Balance Sheet, visit GuardianLife.com and search for an agency nearest you, or click “Get Started” below, send us your contact information, and we’ll contact you.

Is The Living Balance Sheet designed to solely help me manage my finances?

No. The Living Balance Sheet provides you with one view of all your financial and protection information and one place to store your important personal and legal documents (The Vault). However, it is also a place for you to document your feelings for future generations in your Personal Financial Biography. In your Personal Financial Biography you will be able to detail the following:

My Story
Family Matters
Life Defined
Legacy of Significance
Living Balance Sheet

In addition, you benefit from the guidance of a Guardian Financial Representative to help you optimize your financial well being.

What are the benefits of using The Living Balance Sheet?

With one comprehensive view of your financial picture, you and your Financial Representative can evaluate your financial situation, develop effective strategies and collaborate on solutions.
You have access to all your financial information 24/7 from anywhere with Internet access.
You can access numerous reports and calculators to enable you to get a better understanding of your finances.
The Vault, an online ‘safe deposit box’, gives you one safe place to scan and store your personal and private documents.
You can track frequent flyer miles and rewards points and receive notifications when redemption levels are reached.
Business owners can streamline their personal and business finances.
Access to The Living Balance Sheet from a desktop or mobile phone provides remote monitoring.

How can Business Owners benefit from The Living Balance Sheet?

Business Owners can benefit from the seamless integration of the personal and business Living Balance Sheets. You and your Financial Representative will be able to study financial opportunities across all areas of your business and life.
Business Owners will benefit from strategy testing which will help them determine the impact selling their business, passing the business on or just closing it down will have on their financial well being.
The Living Balance Sheet will help you select and design the business sponsored benefits that are right for you.

How are financial accounts updated on The Living Balance Sheet?

Your financial representative will enter ‘Connections’ to your personalized homepage and your financial account holdings will be created so that these balances are updated daily. The Living Balance Sheet currently updates accounts from over 4,000 financial institutions.

Click here to view a complete list of financial institutions which are updated nightly through The Living Balance Sheet

What security is in place to protect my data on The Living Balance Sheet?

The Living Balance Sheet is a non-transactionable system; no money moves in or out of it.

It has numerous security features to ensure your data is secure including:

Firewalls – barriers between the Internet and computing equipment and applications.
Watchfire’s AppScan Technology – during development, test situations are simulated and potential vulnerabilities identified so they can be eliminated prior to release.
Certified Hackersafe - tests for newly discovered vulnerabilities and validated fixes from hundreds of sources worldwide are updated every 15 minutes..
128-bit encryption (or scrambled data) - the highest level of encryption available. To date no one has been able to break this level of encryption.

The entire system is monitored 24 hours a day, 7 days a week to police for intrusion attempts.

The logon screen provides a response to a new Security Question. The security response is used to validate your identity in the event of a forgotten password.

All data is stored at SunGard Data Systems, the most secure facility available in the industry and the home to data from the 500 largest companies in the country.

What are the first steps to using The Living Balance Sheet?

Once you are signed up for The Living Balance Sheet your Guardian Financial Representative will work with you to:

Enter data to establish your current situation
Define your vision, goals and risks
Develop strategic solutions to grow and protect your wealth
Establish alerts
Monitor progress

If you would like to align with one of our representatives to get started with The Living Balance Sheet, visit www.GuardianLife.com and search for an agency nearest you, or click “Get Started” below, send us your contact information, and we’ll contact you.

How can I get help using The Living Balance Sheet?

Your Guardian Financial Representative is available to assist you with any area of The Living Balance Sheet.

Once you are set up on The Living Balance Sheet, you can access instructional videos on the system by using the “help” tab on your personalized homepage.

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