I updated the previous year's Shareholder's Report for 2012 with new data, photography, slightly modified Luttner Financial logo, and other client requests.

1. Beyond the numbers
We are proud to support the following charitable and civic organizations through contributions made on our behalf
by Guardian and by the men and women of our agency, Lifetime Financial Growth, LLC:
We encourage you to continue to explore our firm by giving us a call or stopping by to meet the members of our team.
We look forward to meeting you.
Helping Members of our Community
Achieve Their Goals
Our firm is proud to be part of this community. Our clients and our
employees live here – and we work here – so the people who call this
community home are particularly important to our firm. We understand
that individuals and their families are facing greater, more daunting
challenges every day. But these same people aspire to achieve great things;
the same things their parents and grandparents did: to provide for their
families, and to help ensure, that no matter what happens in life, their
loved ones are always protected. That’s why we are dedicated to serving
this community and the needs of its members, earning our neighbors’
trust and confidence, working smart to help each family provide for their
loved ones, both today, and in the many years to come.
Our Community Commitment
Runs Deep
In our view, contributing to the community extends far beyond the
services we provide. Consequently, we are dedicated to supporting local
charitable and civic organizations that help make our community – and
our world – a better place. It is our way to demonstrate our ongoing
commitment to our community, and our way of giving back to those
individuals who need our support.
Backed by over 150 years of Strength
As an agency of The Guardian Life Insurance Company of America
(Guardian), Lifetime Financial Growth, LLC is privileged to help both
individuals and business owners create financial security for themselves
and their families. For over 150 years, Guardian has worked hard
at putting people first, with an emphasis on providing outstanding
customer service. That commitment continues today. Guardian has
no shareholders, which means the Company can put its focus on its
customers.
Like Guardian, our firm is committed to these same values, and we strive
to maintain the highest ethical standards in everything we do. Because
we believe in doing the right thing for our community – and the members
of our community that we serve. We’re proud to say that our relationship
with Guardian provides a foundation of strength and stability our clients
have come to rely on. This is one of the primary reasons why our firm has
enjoyed such tremendous success over the years.
Our presence in the community as of December 31, 20121
We are proud to work with over 33,4462
clients
Helping clients build confidence and protect their assets
Life Insurance coverage in force for our clients $15,161,301,777
Number of life insurance policies in force 31,673
Income protection in force for our clients $62,183,921
Number of income protection (disability) policies in force 11,137
Providing Flexibility to our clients and their families
Client policy and account values3
$1,821,998,805
Dividends to whole life policyholders4
$36,713,156
Fulfilling Promises for our clients and their families
Life Insurance benefits (claims) paid $12,826,696
Disability benefits (claims) paid $4,948,467
• ProKids Cincinnati
• Make-A-Wish®
of Western PA
• Akron Children’s Hospital – The LOPen
• Freestore Foodbank Cincinnati
• United Way
• Habitat for Humanity®

2. Helping to provide Strength and Stability to our Community
LIFETIME
FINANCIAL GROWTH, LLC.
Pub 5423 TD (7/13)
2013-3263
The Guardian Life Insurance
Company of America
7 Hanover Square
New York, NY 10004
www.GuardianLife.com
®
Lifetime Financial Growth, LLC is an agency of :
2
Data includes owners of life, disability income, long term care, annuity contracts and mutual fund accounts (does not
include non-proprietary RIA accounts)
3
Represents account values for life insurance, annuity contracts and mutual fund accounts (does not include non-proprietary
RIA accounts)
4
Represents dividends paid to whole life policyholders, excluding closed and surrendered policies
- Dividends are not guaranteed.They are declared annually by Guardian’s Board of Directors.
- Financial information concerning The Guardian Life Insurance Company of America as of 12/31/12 on a statutory basis:
Admitted Assets = $37.5 Billion; Liabilities = $32.8 Billion (including $28.6 Billion of Reserves); and Surplus = $4.7 Billion.
Capital Planners
24500 Chagrin Boulevard, Suite 200
Beachwood, OH 44122
Office: (216) 360-7400
Lifetime Financial Growth of Ohio
419 Plum Street
Cincinnati, OH 45202
Office: (513) 579-1114
Lifetime Financial Growth of Kentucky
4969 U.S. Highway 42, Suite 2400
Louisville, KY 40222
Office: (502) 327-0711
Luttner Financial Group. LTD
244 Boulevard of the Allies
Pittsburgh, PA 15222
Office: (412) 391-6700
LIFETIME
FINANCIAL GROWTH, LLC.
Lifetime Financial Growth, LLC Mission Statement
To provide excellence in service and innovative financial product design to help our clients reach their
financial objectives in the creation, maximization, protection, and enjoyment of wealth by advocating for
them to make informed financial decisions that reflect their value system, love of family. and commitment to
community.
www.lifetimefinancialgrowth.com