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Protection

We educate and empower clients to prepare for the unexpected.

Life Insurance

Life Insurance

A sound financial strategy starts with protection. We recognize that life insurance provides more than just a death benefit to your family; it is the foundation of a solid financial strategy.

Life insurance can also serve as income replacement, supplemental retirement income, tax-deferred asset protection and the ability to create a legacy by funding a cause that’s close to you.

Life Insurance can provide protection for your family's well-being and overall way of life when you're not there to. Plus some permanent life insurance policies can build policy cash value, which may be a fit for the conservative portion of your overall financial strategy.

Disability Insurance

Disability Insurance

Protect your most valuable asset, your ability to earn an income.  How would you pay for your bills if you were not able to work?

Group Disability Coverage

  • May be offered by your employer
  • Leave your job, you may lose your benefit
  • Typically taxable, which can reduce benefits to around 40% of income
  • Usually doesn't provide coverage for bonus or commission
    Social Security
  • Usually for permanent catastrophic disabilities
  • Can be difficult to obtain
  • Averages about $1,000/mo

Individual Disability Income Insurance

  • Individual and supplemental options
  • You own it wherever you work, whomever you work for
  • Tailored to you and how you earn your income
  • Can pay benefits even if you're still able to work part time
  • Helps cover the gap left by basic coverage
The Living Balanace Sheet<sup>&#174;</sup>

The Living Balanace Sheet®

At National Financial Network, we use a macroeconomic approach to help you balance the four primary financial domains of Protection, Assets, Liabilities, and Cash Flow. This system, called The Living Balance Sheet®, recognizes the interdependence of these domains and tests all financial strategies across them in an effort to maximize the protection and performance of your assets and cash flow.

This unique approach can provide you with enhanced benefits in a number of areas, such as tax savings, risk management, and control of personal wealth. Through the use of The Living Balance Sheet®, you have immediate and up-to-date access to all of your accounts and related financial information, and our financial professionals are alerted if and when something changes. This provides the ability to monitor your strategy and provide the most accurate, up-to-date, and timely recommendations and strategies.

Step 1Discovery Meeting

Our initial meeting will focus on building a strong foundation for our relationship. We'll share our firm's philosophy and discuss your financial aspirations.

Step 2Protection Analysis

We prioritize protecting your financial future by minimizing the impact of life's uncertainties, like illness or accidents. In this step, we'll assess your current financial safeguards and ensure your assets are adequately protected.

Step 3Cash Flow Analysis

To help you achieve your financial goals, we'll optimize your cash flow by analyzing your income and expenses. The planning tool, The Living Balance Sheet®, will provide a clear picture of your financial health and how to improve it.

Step 4Implementation

We'll create a personalized financial strategy tailored to your specific needs and risk tolerance. We'll then implement your plan and monitor it closely, making adjustments as needed through annual reviews and ad-hoc changes.

The Living Balance Sheet® (LBS) and the LBS Logo are service marks of The Guardian Life Insurance Company of America® (Guardian), New York, NY. © Copyright 2005-2025 Guardian.

*Life Insurance:  Policy benefits are reduced by any outstanding loan or loan interest and/or withdrawals. Dividends, if any, are affected by policy loans and loan interest. Withdrawals above the cost basis may result in taxable ordinary income. If the policy lapses, or is surrendered, any outstanding loans considered gain in the policy may be subject to ordinary income taxes. If the policy is a Modified Endowment Contract (MEC), loans are treated like withdrawals, but as gain first, subject to ordinary income.taxes. If the policy owner is under 59 ½, any taxable withdrawal may also be subject to a 10% federal tax penalty. 2. 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. 3. Some whole life polices do not have cash values in the first two years of the policy and don’t pay a dividend until the policy’s third year. Talk to your financial representative and refer to your individual whole life policy illustration for more information.