About Us


Earl J. Luttner, CLU
CEO and Chairman of the Board,
Lifetime Financial Growth, LLC

Earl Luttner entered the insurance industry in 1967, incorporating Luttner Financial Group, Ltd. (LFG) in 1969. In 1974, LFG became a general agency with General American Life Insurance Company and grew to become the number one agency nationally.

In 1991, LFG became a Guardian general agency. Since then it has consistently ranked in the top six agencies nationally. Earl was among a few general agents chosen to mentor select general agents and career development managers.

Known for his vision, Earl championed the integration of LEAP, Advocacy, and most recently the Living Balance Sheet into the agency culture, changing and improving not only the sales and service processes used to protect clients, but also greatly enhancing agency revenue and retention.

LFG qualified for GAMA International’s Master Agency/ Firm Award ten times. In 2004, the agency won Guardian’s most prestigious award, the President’s Cup.

Earl joined the Guardian with twelve Financial Representatives in 1991 and currently has almost 200 FR’s. As Guardian implemented the GA transition plan, Earl recognized the value of building a regional firm. Therefore, Earl has worked diligently toward attracting, motivating and retaining a highly qualified successor management team.

His leadership extends into the community, with his involvement in the United Way of Allegheny County and the Make-A-Wish Foundation of Pennsylvania. He serves as Chairman of the Board of Directors of the International Assistance Group, a nonprofit organization dedicated to assisting American families who wish to adopt children from Russia and Eastern Europe.

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.