What we offer Advice & Guidance Get to know us Connect with us Login & Register Plan for the retirement you want and envision What you can do—and when to start saving Saving for a comfortable retirement: be prepared for your journey It’s never too early, or too late, to start saving for retirement. No matter where you are in your retirement strategy — or how much you need to save for other life goals — we can provide guidance on saving and investing that will help you retire the way you want. Whether you’re a long-time employee or just out of college and starting your first job, we’ll share tips that fit your unique circumstances. Use our planning tool Quick Tip: Knowing what you want in retirement can help you build a successful, personalized strategy. The 20% of Americans who are financially confident have a plan and stick to it.1 How much do I need to save for retirement? When is the best time to start saving for retirement? What is a qualified retirement plan? Next steps Case Story - Alan and Rebecca Tinter Learn how Alan and Rebecca Tinter are working with their financial professional to prepare for retirement through Guardian's whole life insurance and annuities. Leaving a legacy: do more for your family Many of us want to leave an impact that lasts a lifetime and beyond. You don’t need to be a millionaire to leave behind a meaningful legacy to your family, and you don’t need a castle to have an estate. To make sure your estate is in order and your heirs are taken care of, look into getting a will, a living will, and life insurance.* What is considered my estate? How do I put aside enough money for my family? How do I ensure my legacy gets into the right hands? Next steps Custodial care: caring for an elderly parent or adult child Planning for senior care, often called eldercare, and protecting dependents after you’re gone presents financial challenges, and Medicare may not cover it all. Care provided to someone for non-medical assistance with daily activities, such as bathing, dressing, and being mobile, is referred to as custodial care. The good news is that you can better prepare for long-term care if you start planning today for your special needs children or elderly care for yourself. How can life insurance help with elder care? Finances and elder care: what do I need to know? Does insurance help children with special needs? Next steps Protect your retirement against future healthcare costs Saving for future healthcare costs can be daunting, and uncertainty about coverage and rising Medicare premiums can add to the complexity. But you can take steps today that will help you live the life you want in retirement. From health savings accounts (HSAs) to supplemental coverage, we are here to bring clarity to your retirement strategy and help you find what you need to live your best and healthiest life. What is Medicare, and what does it cover? Can whole life insurance help with healthcare costs? What is an HSA? How do I get one? What can supplemental insurance help? Next steps Disclaimer 1 The information provided herein is not written or intended as tax or legal advice and may not be relied on for purposes of avoiding any federal tax penalties. This information supports the promotion and marketing of this annuity. Current tax law is subject to interpretation and legislative change. Tax results and the appropriateness of any product for any specific taxpayer may vary depending on the particular set of facts and circumstances. Entities or persons distributing this information are not authorized to give tax or legal advice. Individuals are encouraged to seek specific advice from their personal tax or legal counsel. Insurance products are offered through a licensed/registered bank or broker/dealer (financial institution), but underwritten by insurance companies. All guarantees mentioned on this site are guarantees of the insurance company and not guarantees of the financial institution. All investments contain risk and may lose value. Diversification does not guarantee profit or protect against market loss. Securities products and advisory services offered through Park Avenue Securities LLC (PAS), a registered broker-dealer and investment adviser. PAS is a wholly owned subsidiary of Guardian and a member FINRA, SIPC. 2 Annuity guarantees are backed exclusively by the strength and claims-paying ability of The Guardian Insurance & Annuity Company, Inc. (GIAC) and are issued by The Guardian Insurance & Annuity Company, Inc. (GIAC), a Delaware corporation. Individual variable annuities are distributed by Park Avenue Securities LLC (PAS). GIAC is a wholly owned subsidiary of The Guardian Life Insurance Company of America (Guardian). PAS is a wholly owned subsidiary of Guardian. Guardian, GIAC, and PAS are located at 10 Hudson Yards NY, NY 10001. Contract provisions and investment options vary by state. Variable annuities are long term investment vehicles designed to help investors save for retirement and involve certain contract limitations, fees, expenses and risks, including possible loss of the principal amount invested. The investment return and principal value may fluctuate so that the investment, when redeemed, may be worth more or less than original cost. As with many investments, there are fees, expenses and risks associated with these contracts. All guarantees including the death benefit payments are dependent upon the claims paying ability of the issuing company and do not apply to the investment performance of the underlying funds in the variable annuity. Assets in the underlying funds are subject to market risks and may fluctuate in value. Withdrawals of taxable amounts will be subject to ordinary income tax and possible mandatory federal income tax withholding. If taken prior to age 59½, a 10% IRS penalty may also apply. Withdrawals affect the variable annuity’s death benefit, cash surrender value and any living benefit and may also be subject to a contingent deferred sales charge. Variable annuities and their underlying variable investment options are sold by prospectus only. Investors should consider the investment objectives, risks, charges and expenses carefully before investing. This and other information are contained in the prospectus or summary prospectus, if available, which may be obtained from your investment professional. Please read it before you invest or send money. 4 All whole life policy guarantees are based on the payment of all required premiums and the claims paying ability of the issuing insurance company. 5 Dividends are not guaranteed. They are declared annually by Guardian’s Board of Directors. 6 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. *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. **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 *** 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. **** Law is subject to change. 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