The document introduces The Living Balance Sheet, a financial planning tool that helps users achieve clarity, balance, and optimization in their financial lives. It does this through a personal website that provides an at-a-glance view of the user's financial picture, helps them track finances and net worth, and stores important documents. Users work with their financial representative to design strategic solutions, test wealth building potentials, and review strategies to help them live with greater comfort, a budgeted lifestyle, and leave a personal legacy, all with interactive flexibility.

1. Imagine, Design, Live The Living Balance Sheet is a registered mark of The Guardian Life Insurance Company of America, New York, NY.

2. The Challenges Increasing Cost of Living Multiple Financial Institutions and Advisors Conflicting Opinions and Marketing Hype Changing Personal and Financial Objectives Imagine, Design, Live

3. As a result, many people find themselves… Financially Disorganized Confused about the REAL cost of living Feeling anxious about their future Wishing there was a better, easier way… Adopting inappropriate financial strategies Imagine, Design, Live

4. Imagine … a financial journey offering… Clarity of purpose Optimism and hope Build wealth Balance legacy/lifestyle choices A process to help you… Track finances and net worth Imagine , Design, Live

5. Imagine … a way to simplify your life Introducing: Imagine , Design, Live

6. The Living Balance Sheet Here’s how it works… Provides your financial picture at-a-glance through a personal website Helps you achieve optimal financial balance Automatically updates your financial data Stores copies of your important documents in an encrypted Vault Even monitors your awards programs Imagine, Design, Live

7. Design …a wide-angle view that works together Imagine, Design , Live

8. Design …your financial vision and move towards optimization Imagine, Design , Live

9. Design …strategic solutions working with your financial representative Imagine, Design , Live

10. Design …and test your wealth building potential Imagine, Design , Live

11. Live …with greater sense of comfort Imagine, Design, Live

12. Live …a budgeted lifestyle Imagine, Design, Live

13. Live …by leaving your own written personal legacy Imagine, Design, Live

14. Live …with interactive flexibility and mobility Imagine, Design, Live

15. Getting started is easy Provide data to your financial representative Set up personal website Review possible strategies Imagine, Design, Live

16. With LBS, planning goals are comprehensive and far-reaching Increased Protection Improved Level of Savings Improved Cash Flow Management Increased Asset Performance Increased Debt & Tax Efficiency Financial Balance and Success Imagine, Design, Live

17. Imagine, Design, Live The Living Balance Sheet is a registered mark of The Guardian Life Insurance Company of America, New York, NY.