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

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