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Roadblock #1 - Need & Goal Planning

Stated financial objectives can actually be a detriment to the financial future that you so richly deserve.

It’s a number isn’t it? There is no way to really know the exact amount you will need in the future.When you really think about what you might be doing next month,it’s a little blurry. Targets beyond next week are hard to determine, so 25, 30 years down the road they’re almost impossible to get right.

So what will life look like,10, 20, 30, 40 years from now?

Have you asked yourself these questions?

• How long will you live into retirement?

• What rate of return would you like to assume?

• How much will college cost to educate your children?

• What will taxes do? Will they go up? Will they go down? Will they stay the same?

• What will inflation do to the cost of groceries, stamps, gasoline, etc.?

• What kind of new technology advances will have you buying the new and improved? Such as new TVs, cars and mobile devices

• If you were to die today, how much would your family actually need?

• Do you know what stock market and investment results will be for you?

There are no definitive answers to these questions, yet they all contribute to your retirement ‘number’ and how much you will need in the future.

What about the unknown?

Is it possible that surprises in your life will occur that you would never imagine occurring today?

Things like:

Parent care

The loss of a job for six months

Out-of-state college tuition costs versus in-state tuition costs

A natural disaster

•A new tax comes out of Congress

All of these unexpected life events have tremendous impact on how your financial future will unfold. If you focus on making sure everything is in the right proportion — as opposed to guessing about a future that’s unknown, your results will be greater, the security that you’ve been looking for will arrive on your doorstep. You’ll be able to look towards your tomorrows with a greater degree of financial confidence.


Securities products and advisory services offered through Park Avenue Securities LLC (PAS), member FINRA, SIPC. Guardian, its subsidiaries, agents and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation.The Living Balance Sheet® (LBS) and the LBS Logo are registered service marks of The Guardian Life Insurance Company of America (Guardian), New York, NY. © Copyright 2005-2019 Guardian Pub7339 2019-85500 Exp. 09/21

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