Please read this disclaimer.



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. Material discussed is meant for general informational purposes only and is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed

to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice.


Podcasts and videos with guest speakers contain the current opinions of the speakers not necessarily those of Guardian or its subsidiaries or C&A or IRW. Guest speakers from other firms are not affiliated with Guardian or PAS. Data and rates used were indicative of market conditions as of the date of the recording. Opinions, estimates, forecasts, and statements of financial market trends that are based on current market conditions are subject to change without notice.

References to specific securities, asset classes and financial markets are for illustrative purposes only and do not constitute a solicitation, offer, or recommendation to purchase or sell a security. Past performance is not a guarantee of future results.



All investments contain risk and may lose value. Investing in the bond market is subject to

certain risks including market, interest rate, issuer, credit, and inflation risk. Equities may decline in value due to both real and perceived general market, economic, and industry conditions.

Investing in foreign securities may involve heightened risk including currency fluctuations, less liquid trading markets, greater price volatility, political and economic instability, less publicly available information, and changes in tax or currency laws. Such risks may be enhanced in emerging markets.



All whole life insurance policy guarantees are subject to the timely payment of all required  - premiums and the claims paying ability of the issuing insurance company. Policy loans and withdrawals affect the guarantees by reducing the policy's death benefit and cash values.

Dividends are not guaranteed. They are declared annually by Guardian's Board of Directors. The total dividend calculation includes mortality experience and expense management as well as investment results.



The Human Live Value (HLV) Theory states that one should maintain life insurance  equal to the present value of all of their expected future earnings. Life insurance companies place limits on life insurance available to consumers based upon this formula and have created age­ based multiples of current income as a guideline. For example, a person in their 30s may be insured for around 20 times their annual income, 15 times for a person in their 40s, and 10 times for people over 50.


Neither Guardian nor its subsidiaries issue Auto, Homeowners, Property and Casualty, or Umbrella Insurance.

Institute of Responsible Wealth

2111 Route 34 South

Wall,  New Jersey 07719 

Email:  info@iofrw.com

© 2018 by Institute of Responsible Wealth

The Institute of Responsible Wealth is an educational division of C&A Financial Group, an Agency of The Guardian Life Insurance Company of America (Guardian), New York, NY. Securities products and advisory services offered through Park Avenue Securities LLC (PAS), member FINRASIPC.  PAS is a wholly-owned subsidiary of Guardian. The Institute of Responsible Wealth and C&A Financial Group are not affiliates or subsidiaries of PAS or Guardian.  

C & A Financial is an Agency of The Guardian Life Insurance Company of America® (Guardian), New York, NY. Securities products [and advisory services] offered through Park Avenue Securities LLC (PAS), member FINRA, SIPC. OSJ: 2111 Rt. 34 South Wall, NJ 07719. (732) 528-4800 PAS is a wholly-owned subsidiary of Guardian. C & A Financial is not an affiliate or subsidiary of PAS or Guardian. Important Disclosures 

2018-64502 Exp. 09/20