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An introduction to a unique career opportunity.

An introduction to a unique career opportunity.

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Career presentation Presentation Transcript

  • 1. YOUR CAREER! YOUR SUCCESS!
    Career Presentation
  • 2. Table of Contents
    2
  • 3. 3
    THE FINANCIAL SERVICES INDUSTRY
  • 4.
    • Financial Services encompasses a broad range of organizations that deal with the management of money
    • 5. As a Financial Representative, you provide your clients with a detailed overview of their current financial situation and suggests a personalized strategy for their financial security
    4
    The Financial Services Industry
  • 6.
    • Financial services employed 6.1 million workers in 2007, accounting for 5.4 percent of total U.S. employment in private industry
    • 7. In 2007, despite the markets downturn, the Financial Services sector represented 21% of the market capitalization of the S&P 500 in the United States
    5
    Financial Services at a Glance
  • 8. 6
    THE GUARDIAN: A BRIEF OVERVIEW
  • 9.
    • Guardian was Founded in 1860, just turned 150!
    • 10. A Mutual Company owned by our policyholders
    • 11. Fortune 500 Rank – No. 259
    • 12. Rating Agency Insurance Financial Strength Profile
    • 13. Standard & Poor’s AA+ (Very Strong)
    • 14. Fitch Ratings AA+ (Very Strong)
    • 15. AM Best A++ (Superior)
    • 16. Moody’s Aa2 (Excellent)
    7
    Guardian: A Brief Overview
    *Financial information concerning The Guardian Life Insurance Company of America as of 12/31/07 on a Statutory basis:
    Admitted Assets = $28.3 Billion; Liabilities = $24.6 Billion (including $20.8 Billion of Reserves); and Surplus = $3.7 Billion.
  • 17. 8
    YOUR CAREER: FINANCIAL REPRESENTATIVE
  • 18.
    • A Financial Representative (FR) embodies a diverse approach using comprehensive financial tools and services to facilitate their client’s needs and turn dreams into realities
    • 19. To be a Financial Representative is to be passionate about the people you serve and their financial betterment
    • 20. The reward is both personal and professional
    9
    Your Career: Financial Representative
  • 21.
    • As a new Financial Representative, Guardian will support you throughout your long-term career
    • 22. Training & Educational Development
    • 23. Career Growth
    • 24. Wealth Accumulation
    • 25. Outstanding Benefits
    • 26. The Living Balance Sheet
    10
    Why Guardian?
  • 27. 11
    DO GOOD. DO WELL. DO IT YOUR WAY.
  • 28.
    • As a Guardian Financial Representative working in a local agency, you are in a rare position of being a part of an entrepreneurial enterprise that is supported by Guardian
    • 29. 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
    • 30. 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
    • 31. Finally, it means you can do it your way – you work for yourself, but not by yourself. Your success is determined solely by your ambition, but we make sure to support your growth all the way, from the start
    12
    Do Good. Do Well. Do It Your Way.
  • 32.
    • Over 80 Field Offices in the United States
    • 33. Agency field force made up of over 3,000 Financial Representatives
    13
    Guardian’s Professional Field Force
  • 34. 14
    Industry Production Comparison
    Industry Average (LIMRA)**
    Guardian
    Financial
    Representatives*
    $103,300
    $40,825
    *2007 Total number of FRs in the survey was 3,460.
    **LIMRA: 2006 Results for Size A Category (Largest Company).
  • 35. 2007 Top FR Earnings Average
    15
    Salary, Incentive Compensation & Commission
    *Total number of FRs in the survey was 3,460.
    **Securities products and services are offered through Park Avenue Securities LLC, 7 Hanover Square, New York, NY 10004, (888) 600-4666. 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.
  • 36.
    • Our Financial Representatives have been, and will always remain, our most effective way to reach out to consumers
    • 37. Our Financial Representatives work in partnership with our consumers to assess their needs, wants and priorities
    • 38. 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
    • 39. Guardian’s mission of enriching the lives of others by turning their dreams into realities takes a special kind of person, a Guardian Financial Representative
    16
    The Guardian Financial Representative
  • 40. Attributes of a Guardian FR
    17
  • 41. Guardian Career Path Options
    18
    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) 600-4666. 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.
  • 42. Guardian Career Path Options*
    19
    Management Path
    *Securities products and services are offered through Park Avenue Securities LLC, 7 Hanover Square, New York, NY 10004, (888) 600-4666. 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.
  • 43. Guardian Financial Representative
    20
    Benefits and Compensation
    • Guardian Compensation Plan
    • 44. Significant Retirement Savings
    • 45. Extensive Insurance Coverage
    • 46. Conference Recognition
  • Guardian Financial Representative
    21
    Awards & Recognition
    • Leaders Club
    • 47. Executive Club
    • 48. President’s Council
    • 49. Chairman’s Council
    • 50. Guardian Elite Status
  • Why FRs Joined Their Local Agency
    22
    • Personal referral / family history
    • 51. Local leader’s network and charisma
    • 52. Environment of support and belief
    • 53. Symbols of success
    • 54. Solid management practices
    • 55. Great agency culture
  • Why Our Agency Affiliates With Guardian
    23
    • Long standing 146+ years of mutuality
    • 56. Excellent products
    • 57. Excellent financial and investment performance
    • 58. Independence from “corporate” structure
    • 59. Competitive compensation
    • 60. Established history of strength and stability
  • 24
    TRAINING & DEVELOPMENT
  • 61. Training & Development
    25
    Guardian Online (GOL)
    • Guardian Online (GOL) is a web-based portal that provides an information and training environment for all Guardian affiliated agencies
    • 62. GOL is made up of 8 sections (TABS) with sub-sections for each target
    • 63. GOL contains webinars and video-and-documented based training via The Center; also, onsite training by product specialists (wholesalers)
    • 64. GOL also provides agencies with weekly updates via “What’s New” and the “Calendar of Upcoming Events”
  • Training & Development
    26
    The Center
    • The Center for Learning & Professional Development is the single source for all your multimedia training resources
    • 65. New FR Orientation
    • 66. Product Knowledge
    • 67. Interactive Simulation Tutorials
    • 68. Technology
    • 69. Compliance
    • 70. Advanced Sales Concepts
    • 71. Motivational Videos
    • 72. Career Development
  • 27
    Training & Development
    • Guardian provides new Financial Representatives with core training on its proprietary state-of-the art web-based client servicing system
    • 73. LBS training comes in various forms: in-house agency training and self-paced pre-work, which includes reading assignments and e-learning
    Disclosure: The Living Balance Sheet® and Logo are registered trademarks of The Guardian Life Insurance Company of America.
  • 74. 28
    Training & Development
    Guardian University
    • At Guardian, we provide our Financial Representatives with a comprehensive and dynamic set of education and training programs that can be customized for your specific needs
    • 75. Programs are customized to help you build or enhance your business
    • 76. At Guardian, we will help you to continually expand your knowledge and growth to the next level of productivity and professionalism
    Disclaimer: Each local agency’s participation in Guardian University is optional.
  • 77. 29
    Training & Development
    Guardian University
    • Industry Education Programs
    • 78. Guardian Professional Development Certification Program
    • 79. Relationship Building
    • 80. Products and Services
    • 81. Self Study or Peer-to-Peer Interaction
    • 82. Running Your Practice as a Business
    Disclaimer: Each local agency’s participation in Guardian University is optional.
  • 83. 30
    ABOUT WEALTH STRATEGIES NORTHWEST
  • 84. About Wealth Strategies Northwest
    31
    -
    • Established in the Pacific Northwest for more than 30 years.
    • 85. A Leader in the delivery of uncommon knowledge to families and small business owners
    • 86. Represented by the majority of our Advisors on each one of Guardian’s Top Performers Clubs
    • 87. Top Quality Management Team that leads from the front with market experience.
  • 32
    THE LIVING BALANCE SHEET
  • 88. The Living Balance Sheet
    The Living Balance Sheet® (LBS)is about providing your clients with Organization, Integration, Strategy, Exclusivity, and most importantly, Control over their financial assets
    33
    http://www.livingbalancesheet.com
    Disclosure: The Living Balance Sheet® and Logo are registered trademarks of The Guardian Life Insurance Company of America.
  • 89. The Living Balance Sheet
    • In our present economy, products have become more of a commodity than a reliable source
    • 90. As a Financial Representative, you are the key differentiator among your competitors
    • 91. And, with The Living Balance Sheet®, you provide your client’s with a cutting-edge application that will drive results for you and your client’s – what we call “Achieving Financial Balance”
    34
  • 92. 35
    LBS System
    • Within each financial domains are 4 key potential benefits
    • 93. 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 benefits
    Protection!Assets!
    Liabilities!Cash Flow!
  • 94. 36
    LBS Helps Provide Your Clients With…
    • A State-of-the-art Financial Services Tool
    • 95. Financial organization
    • 96. Integration of their net worth
    • 97. Realization of their building wealth
    • 98. What Retirement cash flows will probably look like
    • 99. Protection of their assets and income
    • 100. A legacy for their family or charity
  • 37
    Macroeconomics of LBS
    • Traditional financial analysis may create a macroeconomic impact for your clients
    • 101. LBS is an effective communication tool providing a more effective communication on the macroeconomic view of their clients financial status
    • 102. LBS is designed to measure your client’s balance sheet (Assets - Liabilities = Net Worth) to determine your client’s future net worth
  • 38
    VIDEO: The Living Balance Sheet
    RIGHT CLICK ON MOUSE – CLICK PLAY
  • 103. 39
    BUILDING YOUR FUTURE TOGETHER
  • 104. Building Your Future Together
    40
    Building Your Guardian Partnership: Next Steps
    • Define your interest and schedule a formal interview.
    • 105. Selling Preferences Questionnaire Assessment
    • 106. Career Sampling/Market Match
    • 107. Present Tentative Marketing Plan
    • 108. Licensing
    • 109. PRE-CONTRACT
    • 110. Induction Class and Training
  • 41
    QUESTIONS AND ANSWERS