Career Opportunities with Pacific Advisors Our collective strength and services can help you achieve your goals
Your Opportunity With A Leading FirmA History of Success and StrengthPacific Advisors has a lineage that dates back to Guardian’s first Whether you’re anSan Francisco office in 1862. More recently, three successful experienced professional,California agencies came together to form Pacific Advisorsas it exists today. Collectively, the firm has achieved several a newcomer to theindustry awards that recognize us as one of the largest regional financial services arena,insurance and planning firms on the West Coast. or are considering aThe combined firm provides education, support, training and career change, we canback-office services for over 150 representatives and 3,000 help you get closer to thelicensed brokers with Guardian’s quality life, own-occupation career and life you havedisability products and very competitive long term care always wanted!insurance. Pacific Advisors adds a new dimension in advancedplanning support with a specialty in tax-exempt, charitablegift planning and the Business Resource Center for advancedbusiness planning.The Guardian’s proprietary, online planning and trackingprogram, The Living Balance Sheet ®, along with Pacific Advisors’top mentors and training, provides a strong foundation in apremier financial services firm for those who want to continually Walt Cardinet, Managing Partner Kelly Kidwell, President/CEOgrow and evolve their careers. and Neil Willner, Managing PartnerA career with Pacific Advisors is a uniqueexperience in the financial services industry.Whether you’re an experienced professional,a newcomer to the financial services arena,or are considering a career change, we canhelp you get closer to the career and life youhave always wanted!We truly look forward to the opportunityof sharing with you how our expansion canhelp you achieve your business goals andgrowth potential. www.pacificadvisors.com / 888-399-3331
Phase 1 — The Start-Up ProcessThe right start for the right people. Stage One — The Opportunity Snapshot Learn about the rewards of a financial planning career with Pacific Advisors. Stage Two — The Aptitude Intra-View Do you have what it takes? We’ll spend time together discovering how your experience, skills and education fit into a career in financial services and whether Pacific Advisors is right for you. Stage Three — The Pacific Advisors Experience Come spend the day with us. We’ll take you behind the scenes to show you how we create value for our clients. You’ll also meet with our training, education, and marketing team to gain a better understanding about compensation, benefits and expectations. Stage Four — Career Commitment You now have the proper licenses. We have learned much about each other and you have gained a real insight on Pacific Advisors. At this stage a decision is made to move forward or not. Stage Five — Career Prep-Builder Congratulations! If you have arrived at this stage you will begin to demonstrate your commitment and abilities to go onto a successful career with Pacific Advisors. Stage Six — The Fast Start Advantage Work closely with your Pacific Advisors mentor to make sure your first 30 days are successful.Pacific Advisors invests in your future with our nationally recognized, comprehensive training andeducation. Our process is composed of three immersive phases. Phase I is the “Start-Up Process.” Phases II and III build on the Start-Up Process to help you achieve a career of lifetime success. www.pacificadvisors.com / 888-399-3331
Guardian’s FR Compensation ElementsReceive all of the benefits of an employee and retain allof the independence of a successful business owner! Platinum WAP Gold WAP 401(k) with 3% Match Defined Benefit Retirement Plan Post Retirement Renew/Service The Guardian Life Insurance Comapny of America, NY, NY Comprehensive Fringe Benefits Employer’s Share of Social Security The following is a summary review Persistency Renewals of The Guardian 2008 Financial Basic Renewals Representative compensation for the Agency Provided Service/EAP year ending December 31, 20081.Supplemental Compensation Basic Compensation-FYC The Guardian’s Top 10 = $1,531,151* The Guardian’s Top 25 = $1,178,525* The Guardian’s Top 50 = $947,246*Compensation Projection The Guardian’s Top 100 = $740,123*As a Guardian Financial Representative with Pacific The Guardian’s Top 500 = $369,660*Advisors: Assumptions: $100,000 of life insurance The Guardian’s Top 1,000 = $256,433*premium and $25,000 of disability insurancepremium with a 5% increase in sales each year, 100% * Financial Representatives averaged this amount inpersistency (includes the estimated value of benefits). salary, incentive compensation and commissions.Year 1 $ 94,480 Year 6 $ 151,164 1. 209% Commission?Year 2 $ 104,218 Year 7 $ 163,619 2. 196% Commission?Year 3 $ 117,045 Year 8 $ 175,333 With the Field Representative ContractYear 4 $ 128,651 Year 9 $ 186,597 through the Guardian CaliforniaYear 5 $ 137,678 Year 10 $ 197,715 Pacific Agencies, this translates into what an associate of our firm could earn (1) on disability insurance and (2) on sales of whole life insurance overFor a personalized Compensation Projection Model, the associate’s first 10 years on a newcontact one of our Career Development Supervisors. disability income or life sale.21 The total number of Financial Representatives in the survey was 3,659. Securities products and services are offered through ParkAvenue Securities LLC (PAS), 1550 W. Colorado Blvd., Pasadena, CA 91105, 1-323-255-8800. PAS and The Guardian Insurance & AnnuityCompany, Inc. are wholly owned subsidiaries of The Guardian Life Insurance Company of America, New York, NY.2 Based on highest persistency and sufficient production. GEAR #2009-3618 Rev. 9/09
The Living Balance Sheet®A Client Relationship Tool That CanSet You Apart From The CompetitionThe Living Balance Sheet® is an exclusive web-based clientservicing system designed to help you attract quality clients,leverage your existing client relationships and enhance yourprofessional image.Custom-built for Guardian’s career force, The Living BalanceSheet® enables the Financial Representative and the clientto have a simultaneous view of the client’s financial picturethrough a personal, secure homepage.The Interactive Platform Enables You To: • Securely organize and analyze client data. • Present current products and strategies. • Gather quality referrals. • Improve client management efficiency and communication. • Enhance your professional image. • Streamline back office systems. • Reaffirm the value of insurance protection.This powerful knowledge-based system presents a net worthpicture, updated daily to help your clients work towardsoptimal financial balance – while simultaneously increasingyour product sales.The Living Balance Sheet ® enables the FinancialRepresentative and the client to have a simultaneousview of the client’s financial picture through a personal,secure homepage.To learn more about The Living Balance Sheet ® visitwww.livingbalancesheet.comThe Living Balance Sheet® displays the financial holdings identified by the client based upon information and valuations provided directly by the client or by electronic feeds from the client’s financial institutions. Valuations provided by electronic feeds reflect the most current information provided by the financial institution as of the date and time noted, but can reflect valuations from an earlier date and time. The Guardian Life Insurance Company of America, New York, NY. For Agent/Broker Use Only. Not For Use With The General Public. Pacific Advisors is an authorized user of The Living Balance Sheet®. The Living Balance Sheet® and the Living Balance Sheet® Logo are registered service marks of The Guardian Life Insurance Company of America (Guardian), New York, NY. The graphics and text used herein are the exclusive property of Guardian and protected under U.S. and International copyright laws.
“Wealth is the ability to fully experience life.” —Henry David Thoreau Claremont / Pasadena / San Diego / San Jose / Santa Rosa / Sacramento Asset Management Services Financial Services Business Services Insurance Services Fee-Based Asset Management Fee-based Planning Executive Benefit Planning Life Insurance Comprehensive Brokerage Estate Planning Key Person Planning Disability Insurance Services Charitable Planning Qualified Retirement Plans Long-Term Care Insurance Asset Allocation Analysis Focus Plans Deferred Compensation 401(k) Plans Retirement Planning Planning Existing Investments Cash Flow Analysis Buy-Sell and Buyout Planning Stock Options www.pacificadvisors.com / 888-399-3331 Secu it e products/services e ffer hrou Park Av nue Securities pr ucts ser c are offered through Pa k Avenue Securities LC (PAS registered broker/dealer and investment Securities products/ser vices are offered through Park Avenue Securities LLC (PAS), a registered broker/dealer and investment ecur t ce e o ur ties i (PAS), regi te A e oker/dealer n n tment e d m advisor, 1550 W. Colorado Blvd , P dena, CA 91105 1-323-255-8800. PAS is an i di ct w holly ow ned subsidi r y of The d i W. Col rado Blvd., Pasad n CA 91105, 1 323 255 -88 0 0 PAS is lor d d Pasadena, 05, 1-323-2 8 80 AS 8 00 indirect, wholly owned subsidiary of The indirect, lly w d idiar d he Guardian Life Insurance Company America, New York, NY. Pacific Advisors, Inc. s not an affiliate or subsidiary of PAS or Guardian Life Insurance Company of America, New York, NY. Pacific Advisors, Inc. is not an affiliate or subsidiary of PAS or ad f r n c k a f s n o fla da y A Guardian Insurance Products offered through a f Re o a Insurance S r c Guardian. Insurance Products offered through Pacific Regional Insurance Ser vices, a DBA of Pacific Advisors Inc Paci c r a n r n o t f e ro o Regional n u a Services, DBA Pacific Advisors, I c P cific B f c d s s Inc. Pacific Advisors Inc. Advisors, Inc is not an independent Registered Investment Advisor v os ns, nc independent Registered Investment Advisor. nd n e t eg ster d n e m e es so s PAS is memb r f FINRA/SIPC PAS is a member of FINRA/SIPC m INRA /S P N AS Disability income p o Disability income products underwrit ten and issued by Berkshire Life Insurance company of America, Pittsfield, MA, a w holly s b n products underwritten and issued y Berkshire Life Insurance company of America, Pittsfield, MA, wholly s ew t s k r e a e , t d o y own d tock s b d ry ow ned st ck subsidiary of The Guardian fe Insurance Company of America ew York, NY or The Guardian f Insurance owned stock subsidiary of The Guardian Life Insurance Company of America, New York, NY, or The Guardian Life Insurance w bs e Gua a n a c ce m y Ame c Yor o e a aar Ins a c ce Comp n Company of America, Ne York, NY Products are not ava lable n al state. Product provisions Company of America New York NY Products are not available in all state Product provisions and features may vary by state. m ny merica, New rk, NY. oduct rc k available a state. odu t ovis ons a feat s may vary by state. features a tat aThe Guardian f Insurance Comapny f America, NY, NYThe Guardian Life Insurance Comapny of America NY NY a da n a c m p y mer c Guardian, it subsidiaries, Guardian, its subsidi ries, agents or employees d not provide tax or legal advice. a dia its b idiari s d s r employees do not provide x le advice. m lo o id legal d i GEAR# 2009-1086 Rev. 9/09