This document discusses retirement plan solutions from Guardian Retirement Solutions for small businesses. It notes that Guardian Retirement Solutions focuses on the unique needs of small businesses by providing typically large plan services and resources. It describes the funding vehicles, fiduciary support services, a network of third party administrators, and passive trustee services available. The goal is to provide flexible solutions, world-class service and support, and help businesses provide retirement plans for their employees.
A New Arrow for The Pension Practitioners Quiver: Pension Risk TransferJay Dinunzio
Webinar Presentation Slides
Gone are the days of group annuity contracts only being able to satisfy the plan termination objectives of a pension plan sponsor. Today, there are a wide variety of useful applications for guaranteed institutional annuity contract structures to provide an alternative to traditional fixed income investments. Are you or your pension clients:
•Struggling with cost and volatility issues surrounding a defined benefit pension plan?
•Considering a liability driven investment strategy that will de-risk the plan investment and allow for stable, predictable funding?
•Limited by fixed income funds that only allow for simple duration matching, and expose the plan to cash flow mismatch risks?
•Unaware of the variety of customized institutional insurance contract structures available?
•Lacking a fiduciary process for evaluating and monitoring the attractiveness of insured pension solutions?
A New Arrow for The Pension Practitioners Quiver: Pension Risk TransferJay Dinunzio
Webinar Presentation Slides
Gone are the days of group annuity contracts only being able to satisfy the plan termination objectives of a pension plan sponsor. Today, there are a wide variety of useful applications for guaranteed institutional annuity contract structures to provide an alternative to traditional fixed income investments. Are you or your pension clients:
•Struggling with cost and volatility issues surrounding a defined benefit pension plan?
•Considering a liability driven investment strategy that will de-risk the plan investment and allow for stable, predictable funding?
•Limited by fixed income funds that only allow for simple duration matching, and expose the plan to cash flow mismatch risks?
•Unaware of the variety of customized institutional insurance contract structures available?
•Lacking a fiduciary process for evaluating and monitoring the attractiveness of insured pension solutions?
Investment Advisors & Financial Professionals | Use Your Insurance as a Marke...The 401k Study Group ®
Presented by North American Professional Liability Insurance Agency, LLC (NAPLIA). The White Paper discusses how proactively using your insurance coverage as a marketing tool will help you.
This White Paper is provided by PRI (Jason Roberts) and Guardian. In the eight (8) pages it discusses:]
1. How to leverage Service Providers
2. Identify 401(k) Opportunities
3. Myths vs. Realities
4. Determining Your Role
Advanced Markets Insight: The Importance of Life Insurance Policy ReviewsM Financial Group
Life insurance is an important part of an overall financial plan and regular reviews performed by an experienced professional can determine whether policies are performing according to expectations and meeting financial objectives. There are many factors to consider that may impact the performance and suitability of a life insurance policy.
Captive Insurance Group - A Risk Management Strategycaptiveinsurance
We provide our clients with unique risk management tools & support designed to help them control their costs with private insurance companies.
With extensive experience, our team of dedicated professionals can help deliver the stability and predictability you need in order to lower costs and drive profits.
With creative concepts and an intuitive grasp on our clients’ goals, we design policies that help you strengthen your position in the present and protect you as you head into the future.
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
1. For Plan Sponsors Guardian Retirement SolutionsTM
A Focus on Your Needs
2. IMPORTANT Information
The Guardian Choice® group variable funding agreement and The Guardian
Advantage® group variable annuity contract are issued by The Guardian Insurance
& Annuity Company, Inc. (GIAC), a Delaware corporation whose principal place
of business is 7 Hanover Square, New York, NY 10004. GIAC is a wholly owned
subsidiary of The Guardian Life Insurance Company of America
(Guardian), New York, NY.
Guardian does not issue The Guardian Choice® and The Guardian Advantage®
and does not guarantee the benefits they provide.
Guardian Retirement Solutions™ refers to the administrative support services,
including participant recordkeeping as well as marketing, enrollment and
educational materials, provided by GIAC in conjunction with the individual and
group retirement products issued by GIAC.
This document is not intended by The Guardian Life Insurance Company of
America, The Guardian Insurance & Annuity Company, Inc. (GIAC) or any of its
employees or agents to be considered as investment, tax, or legal advice.
Please consult your investment, tax and legal advisors for guidance and
information that is specific to your plan.
3. It’s About
YOU
At Guardian Retirement SolutionsTM it’s about you. Your business,
your employees, your retirement plan. We are dedicated to working with you, What does customer-
your third-party administrator (TPA) and your financial professional to help focused mean?
you provide your employees with a retirement solution to help them save for
the long-term. • A focus on your needs
Guardian Retirement SolutionsTM is focused solely on serving the unique needs • Flexibility and choice
of small businesses like yours by providing access to services typically reserved
for large plans. You can count on us to provide the resources, support and tools • olutions that work
S
you’re looking for as you develop a retirement solution that works for you and for you and your
your employees. employees
• o proprietary
N
fund requirements
Work with your TPA, Financial Professional, and
Guardian Retirement SolutionsTM, and you can: • Reasonable pricing
• ccess to independent,
A
third-party service
providers
enefit from a CUSTOMER-FOCUSED
B
APPROACH to Retirement.
Access FLEXIBLE Solutions.
Rely on WORLD-CLASS SERVICE and
SUPPORT for You and Your Employees.
Gain from GUARDIAN’S More than
150-YEAR HERITAGE of Promises Kept.
1
4. Flexible
SOLUTIONS
Robust Fiduciary Support Services
You can mitigate your fiduciary risk by accessing the robust fiduciary support services of
two independent registered investment advisers: 1. SWBC Investment Advisory Services
LLC (SWBC) and 2. Stadion Money Management LLC (Stadion).
Funding Vehicles 1. SWBC - an ERISA Section 3(21) Fiduciary
Part of a plan fiduciary’s responsibility is to prudently select and monitor a diverse set of
We offer two funding vehicles
investment options. SWBC, an independent RIA, offers robust investment advisory and
appropriate for a wide range
fiduciary support services that are meant to help mitigate the risks of plan fiduciaries of
of qualified retirement plans
participant-directed qualified retirement plans.
including 401(a), 401(k), profit-
sharing, traditional defined SWBC acts as a limited scope fiduciary under ERISA section 3(21) to plan fiduciaries who
benefit, cash balance, and any elect to use their services and enter into an advisory services agreement with SWBC.
appropriate combination. Under this agreement, SWBC provides recommendations regarding the allocation options
available under The Guardian Advantage® and The Guardian Choice®.
The Guardian Choice® Following the recommendations of SWBC can help mitigate your fiduciary risk for
prudently selecting, monitoring, and diversifying the investment options that are available
Generally for plans with
under the plan. However, it is ultimately the responsibility of the plan fiduciary to determine
assets greater than $1 million,
what investment options are offered under the plan.
The Guardian Choice® is a group
variable funding agreement for SWBC offers you:
small and mid-size companies.1 • A written commitment of SWBC’s fiduciary investment advisory services
• Help developing an Investment Policy Statement
The Guardian Advantage® • Comprehensive quarterly investment monitoring reports and conference calls
Generally for plans with assets • nvestment line-up selection in accordance with ERISA’s “prudent expert” rule
I
less than $1 million, The Guardian and diversification requirements
Advantage® is a group variable
annuity contract also for small 2. Stadion – an ERISA Section 3(38) Investment Manager
and mid-size companies. Stadion provides an actively managed account service that is available as a plan’s Qualified
Default Investment Alternative (QDIA).2
Stadion acts as a 3(38) Investment Manager under ERISA. They provide a QDIA Warranty
to plan fiduciaries that covers participants’ accounts over which Stadion has discretionary
control. The warranty assures the plan sponsor that Stadion and its QDIA managed account
service meet the relevant requirements for QDIAs under federal regulations, and that
Stadion will indemnify the plan fiduciaries for any unreimbursed losses due to any breach
of Stadion’s representations.
1. Not available in Pennsylvania.
2. plan sponsor must contract directly with Stadion to offer this managed account service. While there is no cost to the plan
The
or plan sponsor, an annual fee of 0.55% will be paid by participants utilizing the service.
SWBC and Stadion are not affiliates or subsidiaries of The Guardian Life Insurance Company of America (Guardian) or
The Guardian Insurance Annuity Company, Inc. (GIAC). Plan fiduciaries must contract directly with SWBC and Stadion.
2
5. A National Network of Third-Party Administrators
As part of our effort to allow you to design a plan that best suits your needs,
you can choose from a national network of local TPAs. TPAs can help reduce your
administrative burden and ensure your plan is in compliance.
Benefits of Working with a TPA:
• Customized plan design solutions to maximize your tax benefits
• Required plan documentation
• Ongoing services to meet current legal requirements
• Compliance testing and reporting
• Benefits and loan administration
Independent TPAs in the network are not affiliates or subsidiaries of GIAC or The Guardian Life Insurance
Company of America.
Passive Trustee Services Through Wilmington
Trust Company
Wilmington Trust Company provides nondiscretionary, passive trustee services to qualified
plans using our funding vehicles. Having an independent corporate trustee may add an extra
layer of oversight and protection for both the plan sponsor and the plan participants. While
not required, it’s a service plan sponsors can consider based on their retirement plan needs.
Working with a TPA
can help REDUCE your
administrative BURDENS.
3
6. Investment
Key Features
proprietary
No
fund requirements
FLEXIBILITY
Broad range of
well-recognized investment Access to Prominent Investment Managers
options In order to ensure that The Guardian Choice® and The Guardian Advantage® funding
vehicles offer a broad range of well-recognized investment options, we utilize the independent
Choice and flexibility in
expertise of SWBC to assist with the selection of the options that are made available for you
investment selection
to choose for your plan. Additionally, we do not mandate that plan sponsors choose any
Self-directed brokerage proprietary funds when selecting the investment options for their plan.
option* The investment options that are available under The Guardian Advantage® and
Fixed Rate Option (FRO) The Guardian Choice® are from some of the nation’s most well-recognized investment
managers.The investment options span the risk/reward spectrum and pursue a variety of
Multiple QDIA options investment objectives—from the safety of principal to aggressive growth of capital.
SM
Please note that the availability of investment options from the above investment managers will vary based on which
funding vehicle you select.
4
7. Making It Easier For
YOU
You have the flexibility to choose an investment line-up that works for you and your plan
participants. You can choose from two focused lists of investment options, or customize the QDIA Requirements
menu of investment options for your plan. If you choose to contract with SWBC, you will If you utilize the services of
receive SWBC’s written commitment of its fiduciary investment advisory obligations. SWBC, you must select a
QDIA option for your plan.
A QDIA is required for all
The Core Focus List three options.
The Core Focus List is comprised of a group of investment options that
Fund Replacements
has been rigorously evaluated by SWBC. These investment options feature
the following characteristics: SWBC makes replacing funds
seamless by providing you
• ctively managed investment options from well-recognized
A with a replacement notice
investment managers and timeline that requires no
• omplemented by a small selection of index-based, passively managed
C action from you unless you
investment options choose not to implement the
recommendation of SWBC.
• Meets diversification requirements of ERISA Section 404(c)
The Passive Focus List
The Passive Focus List consists of a group of investment options that has
also undergone rigorous evaluation by SWBC. These investment options are
characterized by:
• Emphasis on index-based, passively managed investment options
• Focus on funds with lower fund expense ratios
• Meets diversification requirements of ERISA Section 404(c)
Plan Trustee Customized List
If you prefer, you can create a customized list of investment options from the
large selection available.
• Pick and choose investment options based on the needs of your plan
• eets the diversification requirements of ERISA Section 404(c) if funds are
M
selected from a minimum set of investment categories, including:
– Large Cap – Non-U.S. Large Cap Equity
– Small Cap/Mid Cap – U.S. Intermediate Term Bond
– Capital Preservation
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8. World-Class
SERVICE and Support
Guardian Retirement SolutionsTM prides itself on providing world-class service and support
that always puts you and your plan participants first. From enrollment support to ongoing
employee communications and education, from participant-level recordkeeping services to
plan sponsor and participant tools and resources, we’re dedicated to supporting your needs.
Your Service Team Overview
Your Implementation Your Relationship Your Customer Service
Specialist Manager* Team
Provides seamless coordination for all Works closely with financial Provides a single point of contact for
take-over plan implementation needs professionals to assist with plan plan sponsors
sponsor needs and ongoing support
Hosts welcome calls Enrollment specialists provide onsite Dedicated, regionalized client
enrollment meetings and support service teams for plan sponsors and
participants committed to following
through on all the daily expectations
and needs of plan sponsors
Manages all transfer requirements Helps plan sponsors develop Long-tenured team of support
of take-over plans, including: blackout programs to increase plan specialists who are knowledgeable in
notices, termination notices to existing participation, participant deferral all workflow processes and possessing
carriers, asset transfer, final valuation rates and employee engagement extensive product knowledge
reports, and allocation expectations, etc.
Establishes contracts with ACH and Provides customized annual 24-hour issue response, same-day
customized payroll submissions plan reviews service on contribution and
distribution processing*
Ensures all participants are enrolled Offers valuable insights and tools Available 8:00 a.m. – 7:30 p.m. ET
prior to asset transfer and provides to increase employee participation
confirmations
*For plans that meet certain asset levels.
6
9. Increase Enrollment and Participation
We offer you enrollment and participant education programs to help your clients’
employees enroll and increase salary deferrals. This includes a myriad of marketing
communication support, on-site meetings and web-based tools to help participants
make informed investment decisions and keep track of their accounts.
Communication Support: Experience personalized
service from our long-
tenured customer
u Annual Plan Review for Plan Sponsors*
service team.
v Comprehensive enrollment kit
w I
nformative quarterly statements
x E
ducational plan sponsor and plan participant quarterly newsletters
y Online tools and calculators
z Plan participant education seminars
{ Participant account services online 24/7
At Your “Recordkeeping” Service
We deliver superior service to help ease your clients’ administrative burden by offering:
• ensus, online, or traditional paper enrollment
C
• etailed online plan reports and information
D
• implified contribution processing
S
• oan administration and modeling available online
L
• ast and dependable recordkeeping technology
F
• nnual audit package preparation to complete Form 5500
A
• ecure Transaction e-Withdrawal capabilities.
S
Award-Recognized Services
Recognized in 2011 by J.D. Power and Associates for Call Center Operation Customer
Satisfaction Excellence under the J.D. Power and Associates Call Center Certification
ProgramSM. The Call Center Certification Program distinction acknowledges a strong
commitment by the company’s Retirement Solutions Division call center operations to
provide “An Outstanding Customer Service Experience.”
For J.D. Power and Associates 2011 Call Center Certification ProgramSM information, visit www.jdpower.com
7
10. Guardian:
150+ YEARS of Promises Kept
The Guardian Life Insurance Company of America is one of the largest and
oldest mutual life insurance companies in America. Since 1860, Guardian has been
providing financial strategies to help individuals, families, and small business owners
achieve financial security.
In addition, as a mutual life company owned by its policyholders, Guardian operates for
the benefit of its policyholders, rather than outside stockholders. This heritage of a
customer-focused approach carries over into each business line and subsidiary. It also
means a commitment to long-term strategic thinking, rather than short-term profits.
While the markets may change, Guardian’s timeless values of doing the right thing,
holding itself to the highest standards, and focusing on people do not.
The Guardian Choice® group variable funding agreement and The Guardian Advantage®
group variable annuity contract are issued by The Guardian Insurance Annuity Company,
Inc. (GIAC), a Delaware corporation whose principal place of business is 7 Hanover Square,
New York, NY 10004. GIAC is a wholly owned subsidiary of The Guardian Life Insurance
Company of America (Guardian), New York, NY.
Guardian does not issue The Guardian Choice® and The Guardian Advantage® and does
not guarantee the benefits they provide.
8
11. STRENGTH and Stability
The Guardian Insurance Annuity Company, Inc. is proud to receive
exemplary ratings from the four major independent rating agencies.
A.M. Best Company
A++ Superior ability to meet
on-going obligations to
policyholders (the highest
Guardian’s Changing
Times,Timeless Values
of 16 ratings)
• Rich Heritage
A
of Integrity and Trust
AA+
Very Strong capacity
Fitch Ratings to meet policyholder • e Do the Right Thing
W
and contract obligations
(2nd highest of 24 ratings) • People Count
• e Hold Ourselves to
W
Moody’s Investors
Service Aa2 Excellent financial security
(3rd highest of 21 ratings)
the Highest Standards
• n Unwavering
A
Commitment to
Small Business Owners
Standard Poor’s
AA+ Very Strong financial
security characteristics
(2nd highest of 20 ratings)
Proud to receive EXEMPLARY ratings
from four MAJOR rating agencies.
As of 6/30/2011. Please note that strength and claims-paying ability ratings apply only to GIAC’s ability to pay guarantees
provided under its group variable annuity and group variable funding agreement products. These ratings do not apply to the
investment performance of the variable investment options offered through GIAC products. Ratings are subject to change
without notice.
9
12. It’s About YOU
At Guardian Retirement SolutionsTM it’s about you.Your business,
your employees, your retirement plan. We are dedicated to working with you,
your third-party administrator (TPA) and your financial professional to
help you provide your employees with a retirement solution to help them
save for the long-term.
Guardian Retirement SolutionsTM is focused solely on serving the unique needs
of small businesses like yours by providing access to services typically reserved
for large plans.You can count on us to provide the resources, support and tools
you’re looking for as you develop a retirement solution that works for
you and your employees.
Contact Guardian Retirement SolutionsTM
Call: 877-500-2380
Visit: www.GuardianRetirement.com
The Guardian Advantage® group variable annuity contract and The Guardian Choice® group variable funding
agreement are issued by The Guardian Insurance Annuity Company, Inc. (GIAC), a Delaware corporation whose
principal place of business is 7 Hanover Square, New York, NY 10004. GIAC is a wholly owned subsidiary of
The Guardian Life Insurance Company of America (Guardian), New York, NY.
Guardian does not issue The Guardian Choice® and The Guardian Advantage® and does not guarantee
the benefits they provide.
Guardian Retirement Solutions™ refers to the administrative support services, including participant recordkeeping
as well as marketing, enrollment and educational materials, provided by GIAC in conjunction with the individual and
group retirement products issued by GIAC.
This document is not intended by The Guardian Life Insurance Company of America,
The Guardian Insurance Annuity Company, Inc. (GIAC) or any of its employees or agents to be
considered as investment, tax, or legal advice.
Please consult your investment, tax and legal advisors for guidance and information that is specific to your plan.
Investments offered under The Guardian Advantage® group variable annuity and The Guardian Choice® group
variable funding agreement are not deposits or obligations of, or guaranteed or endorsed by, any bank or
depository institution, nor are they insured by the Federal Deposit Insurance Corporation, the Federal Reserve
Board or any other agency. They involve risk, including possible loss of the principal amount invested.
®
The Guardian Insurance
Annuity Company, Inc.
7 Hanover Square
GP016202 (08/11) New York, NY 10004-4025
2011–9085 www.GuardianRetirement.com
10