Individuals & Family

Starting Out . . .

Starting your career

A whole world of possibilities is open to you. From here you can go anywhere.

All you need is two things: A vision of where you want to go. And a plan to get there. That’s where Arcis can help. 

It starts with a question. Where do you want to be tomorrow?

The question is simple. But the answer is often anything but. Early in your career you can be faced with many paths that lead to an unknown future. Figuring out which will connect you with the life you want can be daunting. But with our support and guidance, finding the answers you need to help create a vision for your financial future will be a whole lot easier.

Getting by on a budget. They say you need to spend money to make money. Not exactly what you want to hear when funds are tight. Fortunately, making the right financial move now doesn’t need to cost a lot. 

• Term Life Insurance can provide exceptional short-term protection for your loved ones at a lower cost than permanent insurance products. Then, when you’re ready, you can usually convert your term policy to permanent life and enjoy the benefits of this powerful financial instrument.
• Mutual Funds allow you to invest at your own pace, according to your own risk tolerance. Managed by professional fund managers, mutual funds are a great way to dip your toe into the world of investing.
• An IRA or a company-sponsored retirement account, like a 401(k), can help you get off to a strong start toward financial independence in the future. Contributing even just a little bit to your retirement now can make a huge difference in the years to come.

Putting your plan into action. Once you know where you want to go, it’s just a matter of finding a way to get there. Guardian’s network of Financial Representatives can help tailor a strategy to your unique situation. It’s just what you need to understand how the financial moves you make today can help secure a prosperous tomorrow.

Getting Married

Welcome to the beginning of the rest of your life! You and your spouse have big dreams together:  Owning a home, starting a family, enjoying a blissful retirement. To make those dreams a reality, you have to be prepared. Not only to make the most of the promise the future holds, but to rise to the challenges that meet you along the way.

It’s not just you anymore. It’s the two of you against the world. Together through thick and thin. It’s an exciting new life. But it also raises a lot of new questions.  

• How should you be filing your taxes?
• Should you have separate or joint bank accounts? 
• Do you need to make out a will?
• Whose health insurance policy should you keep?
• What kind of life insurance do you need?

And that’s just the beginning. Need a little help figuring out where to start? Arcis can help to get the guidance you need to make the right decisions for your future, to connect to the right people and products and to make it happen.

Building a strong foundation. Now’s the time to lay the foundation for a successful financial future. This means protecting against any unforeseen pitfalls that you may encounter over the years, and investing to reach your long-term goals. Life Insurance and disability insurance are designed to give you and your spouse protection from unexpected adversity. Life insurance provides an economic replacement in the event you or your spouse dies, while disability insurance can help keep your finances on track if one of you becomes ill or injured and can no longer work.

BUILDING YOUR FIRST HOME

Your nest. Your headquarters. Your castle. Whatever you call it, there’s nothing like the feeling of buying your first home. But, remember, homeownership is most likely the biggest financial commitment you’ll face in your lifetime. Which is why it’s so important to go into the process with your eyes wide open.

Understand what you’re getting into. There are plenty of things to consider when you’re getting ready to buy your first home. And while hardwood floors versus wall-to-wall carpeting might seem like the toughest decision ever, it may actually be the least of your concerns. Before you commit yourself to what could be 30 years of mortgage payments, consider this:

How big a mortgage can you actually afford?

• Annual upkeep and maintenance costs typically equal about 4% of your home’s value. How will that affect your cash flow?
• What kind of mortgage should you get?
• Are there any incentives for first-time home buyers you qualify for?
• Are you responsible for any condo or co-op HOA fees? If so, are they likely to increase over time?

Protecting your home sweet home. There’s really nothing that compares to walking through the front door of your new home for the very first time. But in the midst of all the joy and excitement you’re probably feeling, it’s essential to think about the best ways to keep yourself and your family secure and comfortable for the years:

• Life Insurance helps make sure your loved ones can continue to pay the mortgage and other home-related costs in the event of your death.
• Disability Insurance protects you in case you can no longer work due to injury or illness. It’s a smart way to ensure you can make your monthly mortgage payments in the absence of a regular paycheck.