Business Center

The Living Balance Sheet


Owning and operating a business requires dedication, energy, and time -- lots of time. Many business owners will say that they never really stop working; that they are always thinking about their business. Since many business owners often wear multiple hats on a daily basis -- including the management of their finances, personnel, marketing, sales, and public relations -- they are always looking for ways to simplify their lives. That’s where Lifetime Financial Growth, LLC. comes in.

Our representatives are business owners themselves, and have a strong knowledge base of what it takes to be a successful entrepreneur. When you combine this experience with the innovative products and holistic services we offer, such as The Living Balance Sheet®, Lifetime Financial Growth easily stands out from our competitors.

We know that business owners appreciate clear and concise solutions from their financial advisors, and that they have no interest in someone coming in to simply sell them a product. They are also very busy people, and want total solutions from their advisors -- not complicated options.

Business owners are typically short on time and do not devote enough attention to their personal finances because of the amount of energy they spend running their business. Further complicating the situation is that there is usually minimal integration between their business and personal planning. They often work with multiple agents/brokers, creating confusion and missed opportunities. This sometimes results in insufficient coverage amounts compared to the actual value of their business.

What busy entrepreneurs need is a single advisor to address all parts of their financial lives and position them for optimal decision-making.

At the heart of what we do is a commitment to providing customized solutions to meet business owners’ individual and corporate planning needs.

Business owners often experience a dramatic and powerful impact when they are introduced to the many unique abilities of The Living Balance Sheet®. Thanks to its state-of-the-art aggregation technology and real-time snapshots of their financial lives integrated across all products, The Living Balance Sheet® is empowering small business owners to be in control of all their assets, often for the first time.

With The Living Balance Sheet®, you no longer have to go to multiple web sites to put your arms around all of your financial details. The integrated living balance sheet platform helps pinpoint inefficiencies of coverage and provides a suite of tools and calculators that can be instrumental in helping you make informed decisions.

Unlike other advisors, such as accountants, attorneys, or bankers, who often take a reactive position with the client, our approach is proactive, looking ahead to move our clients forward. The Living Balance Sheet® is one of the most effective tools we have for delivering a total solution that meets multiple needs.

The Living Balance Sheet® is a registered trademark of the Guardian Life Insurance Company of America, New York, NY.

Securities products and services are offered through Park Avenue Securities LLC (PAS) 244 Boulevard of the Allies, Pittsburgh PA 15222 1.412.391.6700. PAS is an indirect wholly-owned stock subsidiary of Guardian. Neither Lifetime Financial Growth, LLC. nor Luttner Financial Group Ltd. are affiliates or subsidiaries of PAS or Guardian.


PAS is a member FINRA, SIPC.


The Information on this site is intended for the residents of Pennsylvania, Ohio, West Virginia, and Maryland. The financial representatives of Lifetime Financial Growth are not licensed to sell securities in all 50 states. To find out if an agent is licensed in your state, please contact Cheri McElroy at 412-391-6700.


We are licensed to sell Insurance in the following states: Pennsylvania,Indiana, West Virginia and Ohio.


Guardian, its subsidiaries, agents or employees do not give tax or legal advice.

The Living Balance Sheet® and the Living Balance Sheet® Logo are registered service marks of The Guardian Life Insurance Company of America (Guardian), New York, NY. The graphics and text used herein are the exclusive property of Guardian and protected under U.S. and International copyright laws. © Copyright 2005-2012, The Guardian Life Insurance Company of America


Guardian does not offer Property & Casualty and Individual Health nor do we provide services for them. Disability income and long term care 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 are not available in all states. Product provisions and features may vary by state.


Important Consumer Information: A broker-dealer "BD", investment advisor "IA", a BD agent, or IA Representative may only transact business in a state if first registered in the state, or is excluded or exempt from registration in that state as a broker-dealer, investment advisor, BD agent, or IA Representative, as appropriate. Follow-up individualized responses to persons in a state by such a firm or individual that involves either affecting or attempting to affect transactions in securities, or the rendering of personalized investment advice for compensation will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion. For information concerning the licensing status or disciplinary history of a broker-dealer, investment advisor, BD agent, or IA rep, a consumer should contact his or her state securities law administrator.


This Internet site may contain general information about various investment products. The information or opinions contained in this Internet site should not be construed by any consumer and/or prospective client as an offer to sell or the solicitation of an offer to buy any particular investment product. Such information is directed solely to those individuals who reside in jurisdictions in which the representative is registered in the state where the consumer and/or prospective client reside. Any subsequent direct communication with a consumer and/or prospective client shall only be conducted by a representative that is registered in the state where the consumer and/or prospective client reside.

The Living Balance Sheet® is a registered trademark of The Guardian Life Insurance Company of America. The trademark The Living Balance Sheet® and the content and graphics in this letter, which relate or refer to THE LIVING BALANCE SHEET® system, are used under license from The Guardian Life Insurance Company of America.

*The Living Balance Sheet® displays the financial holdings identified by the client based upon information and valuations provided directly by the client or by electronic feed from the client's financial institutions. Valuations provided by electronic feeds reflect the most current information provided by the financial institution as of the date and time noted, but can reflect valuations from an earlier date and time.