Products & Services

In integrating all aspects of your financial picture to help you find cash or benefits you may be losing, we offer the following products and services through Guardian and Park Avenue Securities:

Personal

• Life Insurance
• Disability Insurance ¹
• Annuities
• Retirement Planning
• College Funding
• Estate Planning
• Long Term Care Insurance

Business

• Employee Benefits
• Buy/Sell Strategies
• Business Succession Planning
• Executive Compensation
• Risk Management Analysis
• Voluntary Insurance Plans

¹ Disability income insurance underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America, New York, NY. Products not available in all states. Product provisions and features may vary from state to state.

Web Conferencing

Using GoToMyPC's remote access software, you can log on to Joel's computer so that we can explore interactive "what if" scenarios in real time over the Internet. Being able to use Guardian's Living Balance Sheet® over the Internet accelerates the process of working together to achieve your financial goals.

An Example

We can review your case with you from virtually anywhere.

A client in Seattle, Washington got a $100,000 bonus as his daughter was entering college. He wanted to know how best to pay for her education in light of this new development. Using GoToMyPC, he and a colleague Joel works with in Tallahassee connected to Joel's computer over a lunch hour. They updated his financial information, putting it on the Hacker-Safe Living Balance Sheet®, and together, they devised some scenarios that would coordinate his assets and provide efficient strategies for achieving his goals.

Common Financial Myths

• "My money only needs to keep pace with inflation."
• "I will be in a lower income income tax bracket at retirement."
• "My 401(k) plan creates a tax savings, which can be spent or invested."
• "Compounding interest creates a financial miracle."
• "I won't need life insurance when I retire."
• "A 15 year mortgage costs less than a 30 year mortgage."
• "Disinvesting is the same as investing."
• "Rate of return on my assets is more important than regular savings habits."
• "To increase protection, my cash flow will suffer."

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Contact Joel

224 NW 2nd Avenue
Gainesville, FL 32601
Office: 352-378-4389
Fax: 352-378-5448
Send Joel an email