The document summarizes career opportunities as a financial strategist with Guardian and The Producers Group. It outlines that financial strategists provide personalized strategies to clients to help with their financial security. It highlights benefits like training, career growth, wealth accumulation, and outstanding benefits. Financial strategists can "do good, do well, and do it your way" by prioritizing clients' needs over sales quotas and having an entrepreneurial and lucrative career supported by Guardian. It promotes The Living Balance Sheet tool for organizing clients' finances and developing long-term strategies for protection, assets, liabilities, and cash flow.

1. YOUR CAREER! YOUR SUCCESS! Career Presentation

2. 2 THE FINANCIAL SERVICES INDUSTRY

4. We are more than players in the financial services market, we are financial strategists

7. A Mutual Company owned by our policyholders

8. Fortune 500 Rank – No. 279

9. Rating Agency Insurance Financial Strength Profile

10. Standard & Poor’s AA+ (Very Strong)

11. Fitch Ratings AA+ (Very Strong)

12. AM Best A++ (Superior)

13. Moody’s Aa2 (Excellent)*Financial information concerning The Guardian Life Insurance Company of America as of 12/31/09 on a Statutory Basis: Admitted Assets = $42.7Billion; Liabilities = $38.3 Billion (including $28 Billion of Reserves); and Surplus = $4.4 Billion.

14. 6 YOUR CAREER: FINANCIAL STRATEGIST

16. To be a Financial Representative is to be passionate about the people you serve and their financial betterment

18. Training & Educational Development

19. Career Growth

20. Wealth Accumulation

21. Outstanding Benefits

24. It means you can DO GOOD – by developing relationships with your clients that are based on integrity rather than sales quotas, therefore providing your clients with sound financial recommendations to help them achieve financial freedom

25. It means you can DO WELL – to further your success that have established Guardian FRs as top earners with a contract that is one of the most lucrative in the industry

28. 13 2008 Top FR Earnings Average Salary, Incentive Compensation & Commission *Total number of FRs in the survey was 3,659. **Securities products and services are offered through Park Avenue Securities LLC, 7 Hanover Square, New York, NY 10004, (888) 600-4667. Park Avenue Securities LLC and the Guardian Insurance & Annuity Company, Inc. are wholly-owned subsidiary of The Guardian Life Insurance Company of America, New York, NY. PAS is a member of FINRA & SIPC.

30. Our Financial Representatives work in partnership with our consumers to assess their needs, wants and priorities

31. As a mutual company (not publicly traded), Guardian’s Financial Representatives give our consumers the best service possible with a promise that the company will be there, strong and solvent, decades from now to pay a claim, help fund a retirement, or help pay the bills for a nursing home

33. 16 Guardian Career Path Options Financial Representative Path *Disability income products are underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America, New York, NY. **Securities products and services are offered through Park Avenue Securities LLC, 7 Hanover Square, New York, NY 10004, (888) 600-4667. Park Avenue Securities LLC is an indirect, wholly-owned subsidiary of The Guardian Life Insurance Company of America, New York, NY. PAS is a member FINRA & SIPC.

34. 17 Guardian Career Path Options* Management Path *Securities products and services are offered through Park Avenue Securities LLC, 7 Hanover Square, New York, NY 10004, (888) 600-4667. Park Avenue Securities LLC is an indirect, wholly-owned subsidiary of The Guardian Life Insurance Company of America, New York, NY. PAS is a member FINRA & SIPC.

36. Significant Retirement Savings

37. Extensive Insurance Coverage

39. Executive Club

40. President’s Council

41. Chairman’s Council

43. Local leader’s network and charisma

44. Environment of support and belief

45. Symbols of success

46. Solid management practices

48. Excellent products

49. Excellent financial and investment performance

50. Independence from “corporate” structure

51. Competitive compensation

54. As a Financial Strategist, you are the key differentiator among your competitors

57. LBS is an effective communication tool providing a more effective communication on the macroeconomic view of their clients financial status

59. Financial organization

60. Integration of their net worth

61. Realization of their building wealth

62. What Retirement cash flows will probably look like

63. Protection of their assets and income

65. You can use LBS to look for the financial products that produce the highest sustainable rate of return, at the lowest risk and at the same time provide the most benefitsProtection!Assets! Liabilities!Cash Flow!

66. 28 Does this information intrigue you? Do you have more questions about this wonderful career opportunity? Just open the door and look in; this could be the greatest thing that has ever happened to your career. DO GOO. DO WELL. DO IT YOUR WAY. At The Producers Group, Inc.