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You have the vision. Now, let's make it a reality.

A Fruitful Retirement 

We all have our own life stories, but no two paths are alike. What elements make up your story? While answers like family, career, goals, and passions may come to mind, we know that it isn't just one of those elements that define your journey, its all of them. 

It's crucial to talk openly and without fear on topics like: Relationships, Lifestyle, Home, Health, Money, Protection and Retirement. It's impossible to plan financially if you don't know what you're planning for. By examining your responses you're closer to making your dream retirement a reality. 

Our commitment is to help you with every aspect of your retirement - because the truth us, they're all connected. We provide customized, holistic retirement solutions, including those that promise guaranteed income.

The Boomer Generation

When do you plan to retire?
The number of people in the United States, age 65 and older, has nearly doubled since year 2000. Currently, roughly 10,000 people turn 65 each day, and according to the U.S. Census Bureau, that number is set to rise to nearly 12,000 within the next 10 years. While people are more likely to live longer and enjoy better health, how will they sustain their increased life spans? 

A common rule of thumb says, people generally need 70%- 80% of their final salary each year during retirement - but how do you feel about taking a 30% pay cut - especially when the cost of living never decreases?

How Will Your Money Grow?

You may have done everything right - started saving early, maximized contributions, and diversified your investment accounts. But what happens if it's time to start taking withdrawals during a bear market, when stock and bond prices are declining?

Use a financial vehicle to help supplement retirement income:

  • Offers lifetime financial protection
  • Remains unaffected by market fluctuations
  • Grows with stability
  • Provides tax-advantaged, accessible funds for retirement and an income tax-free legacy to beneficiaries
  • Is not affected by government programs
  • Can be transferred or pledged as collateral for a loan

Speak With Our Retirement Specialists

Thank you!

1 All whole life insurance policy guarantees are subject to the timely payment of all required premiums &the claims paying ability of the issuing insurance company. Policy loans &withdrawals affect the guarantees by reducing the policy’s death benefit &cash values.

2 Some whole life polices do not have cash values in the first two years of the policy and don’t pay a dividend until the policy’s third year. Talk to your financial representative and refer to your individual whole life policy illustration for more information.

3 Policy benefits are reduced by any outstanding loan or loan interest and/or withdrawals. Dividends, if any, are affected by policy loans and loan interest. Withdrawals above the cost basis may result in taxable ordinary income. If the policy lapses, or is surrendered, any outstanding loans considered gain in the policy may be subject to ordinary income taxes. If the policy is a Modified Endowment Contract (MEC), loans are treated like withdrawals, but as gain first, subject to ordinary income taxes. If the policy owner is under 59 ½, any taxable withdrawal may also be subject to a 10% federal tax penalty.

4 Guardian, its subsidiaries, agents and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation.