Powerful technology provides tremendous peace of mind.

The Living Balance Sheet is a place where you can view all your financial accounts, electronic tax and legal documents, insurance coverages, assets and cash flow – organized and accessible whenever you want.

Traditional balance sheets help determine net worth by subtracting Liabilities from Assets. Our approach is different. We believe it is vital to include Protection and Cash Flow analysis into the same view. The system’s Protection Analysis first approach allows you to insure that your tomorrows will be realized – by considering what might happen today.

The Living Balance Sheet brings the four critical domains of Protection, Assets, Liabilities and Cashflow together, giving you a wide angle view in order to ‘stress test’ all products and strategies.

We believe that it is important to not just consider inflation, but take the total cost of living into account. The Living Balance Sheet considers all forms of taxes, new goods and services, product wear and tear and even an improved standard of living in the future.

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