1. Career Opportunities with Pacific Advisors
Our collective strength and services can help you achieve your goals
2. Your Opportunity With A Leading Firm
A History of Success and Strength
Pacific Advisors has a lineage that dates back to Guardian’s first Whether you’re an
San Francisco office in 1862. More recently, three successful experienced professional,
California agencies came together to form Pacific Advisors
as it exists today. Collectively, the firm has achieved several a newcomer to the
industry awards that recognize us as one of the largest regional financial services arena,
insurance and planning firms on the West Coast. or are considering a
The combined firm provides education, support, training and
career change, we can
back-office services for over 150 representatives and 3,000 help you get closer to the
licensed brokers with Guardian’s quality life, own-occupation career and life you have
disability products and very competitive long term care always wanted!
insurance. Pacific Advisors adds a new dimension in advanced
planning support with a specialty in tax-exempt, charitable
gift planning and the Business Resource Center for advanced
business planning.
The Guardian’s proprietary, online planning and tracking
program, The Living Balance Sheet ®, along with Pacific Advisors’
top mentors and training, provides a strong foundation in a
premier financial services firm for those who want to continually Walt Cardinet, Managing Partner
Kelly Kidwell, President/CEO
grow and evolve their careers.
and Neil Willner, Managing Partner
A career with Pacific Advisors is a unique
experience in the financial services industry.
Whether you’re an experienced professional,
a newcomer to the financial services arena,
or are considering a career change, we can
help you get closer to the career and life you
have always wanted!
We truly look forward to the opportunity
of sharing with you how our expansion can
help you achieve your business goals and
growth potential.
www.pacificadvisors.com / 888-399-3331
3. Phase 1 — The Start-Up Process
The right start for the right people.
Stage One — The Opportunity Snapshot
Learn about the rewards of a financial
planning career with Pacific Advisors.
Stage Two — The Aptitude Intra-View
Do you have what it takes? We’ll spend time
together discovering how your experience, skills
and education fit into a career in financial services
and whether Pacific Advisors is right for you.
Stage Three — The Pacific Advisors Experience
Come spend the day with us. We’ll take you behind
the scenes to show you how we create value for our
clients. You’ll also meet with our training, education,
and marketing team to gain a better understanding
about compensation, benefits and expectations.
Stage Four — Career Commitment
You now have the proper licenses. We have learned
much about each other and you have gained a
real insight on Pacific Advisors. At this stage a
decision is made to move forward or not.
Stage Five — Career Prep-Builder
Congratulations!
If you have arrived at this stage you will begin to
demonstrate your commitment and abilities to go
onto a successful career with Pacific Advisors.
Stage Six — The Fast Start Advantage
Work closely with your Pacific Advisors mentor to
make sure your first 30 days are successful.
Pacific Advisors invests in your future with our nationally recognized, comprehensive training and
education. Our process is composed of three immersive phases. Phase I is the “Start-Up Process.”
Phases II and III build on the Start-Up Process to help you achieve a career of lifetime success.
www.pacificadvisors.com / 888-399-3331
4. Guardian’s FR Compensation Elements
Receive all of the benefits of an employee and retain all
of the independence of a successful business owner!
Platinum WAP
Gold WAP
401(k) with 3% Match
Defined Benefit Retirement Plan
Post Retirement Renew/Service The Guardian Life Insurance Comapny of America, NY, NY
Comprehensive Fringe Benefits
Employer’s Share of Social Security
The following is a summary review
Persistency Renewals
of The Guardian 2008 Financial
Basic Renewals Representative compensation for the
Agency Provided Service/EAP year ending December 31, 20081.
Supplemental Compensation
Basic Compensation-FYC
The Guardian’s Top 10 = $1,531,151*
The Guardian’s Top 25 = $1,178,525*
The Guardian’s Top 50 = $947,246*
Compensation Projection The Guardian’s Top 100 = $740,123*
As a Guardian Financial Representative with Pacific The Guardian’s Top 500 = $369,660*
Advisors: Assumptions: $100,000 of life insurance
The Guardian’s Top 1,000 = $256,433*
premium and $25,000 of disability insurance
premium with a 5% increase in sales each year, 100% * Financial Representatives averaged this amount in
persistency (includes the estimated value of benefits). salary, incentive compensation and commissions.
Year 1 $ 94,480 Year 6 $ 151,164 1. 209% Commission?
Year 2 $ 104,218 Year 7 $ 163,619
2. 196% Commission?
Year 3 $ 117,045 Year 8 $ 175,333
With the Field Representative Contract
Year 4 $ 128,651 Year 9 $ 186,597 through the Guardian California
Year 5 $ 137,678 Year 10 $ 197,715 Pacific Agencies, this translates into
what an associate of our firm could
earn (1) on disability insurance and (2)
on sales of whole life insurance over
For a personalized Compensation Projection Model, the associate’s first 10 years on a new
contact one of our Career Development Supervisors. disability income or life sale.2
1 The total number of Financial Representatives in the survey was 3,659. Securities products and services are offered through Park
Avenue Securities LLC (PAS), 1550 W. Colorado Blvd., Pasadena, CA 91105, 1-323-255-8800. PAS and The Guardian Insurance & Annuity
Company, Inc. are wholly owned subsidiaries of The Guardian Life Insurance Company of America, New York, NY.
2 Based on highest persistency and sufficient production.
GEAR #2009-3618 Rev. 9/09
5. The Living Balance Sheet®
A Client Relationship Tool That Can
Set You Apart From The Competition
The Living Balance Sheet® is an exclusive web-based client
servicing system designed to help you attract quality clients,
leverage your existing client relationships and enhance your
professional image.
Custom-built for Guardian’s career force, The Living Balance
Sheet® enables the Financial Representative and the client
to have a simultaneous view of the client’s financial picture
through a personal, secure homepage.
The Interactive Platform Enables You To:
• Securely organize and analyze client data.
• Present current products and strategies.
• Gather quality referrals.
• Improve client management efficiency and
communication.
• Enhance your professional image.
• Streamline back office systems.
• Reaffirm the value of insurance protection.
This powerful knowledge-based system presents a net worth
picture, updated daily to help your clients work towards
optimal financial balance – while simultaneously increasing
your product sales.
The Living Balance Sheet ® enables the Financial
Representative and the client to have a simultaneous
view of the client’s financial picture through a personal,
secure homepage.
To learn more about The Living Balance Sheet ® visit
www.livingbalancesheet.com
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 feeds 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.
The Guardian Life Insurance Company of America, New York, NY. For Agent/Broker Use Only. Not For Use With The General Public.
Pacific Advisors is an authorized user of The Living Balance Sheet®. 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.
6. “Wealth is the ability to fully experience life.”
—Henry David Thoreau
Claremont / Pasadena / San Diego / San Jose / Santa Rosa / Sacramento
Asset Management Services Financial Services Business Services Insurance Services
Fee-Based Asset Management Fee-based Planning Executive Benefit Planning Life Insurance
Comprehensive Brokerage Estate Planning Key Person Planning Disability Insurance
Services Charitable Planning Qualified Retirement Plans Long-Term Care Insurance
Asset Allocation Analysis Focus Plans Deferred Compensation
401(k) Plans Retirement Planning Planning
Existing Investments Cash Flow Analysis Buy-Sell and Buyout Planning
Stock Options
www.pacificadvisors.com / 888-399-3331
Secu it e products/services e ffer hrou Park Av nue
Securities pr ucts ser c are offered through Pa k Avenue Securities LC (PAS registered broker/dealer and investment
Securities products/ser vices are offered through Park Avenue Securities LLC (PAS), a registered broker/dealer and investment
ecur t ce e o ur ties
i (PAS), regi te
A e oker/dealer n n tment
e d m
advisor, 1550 W. Colorado Blvd , P dena, CA 91105 1-323-255-8800. PAS is an i di ct w holly ow ned subsidi r y of The
d i W. Col rado Blvd., Pasad n CA 91105, 1 323 255 -88 0 0 PAS is
lor d d Pasadena, 05, 1-323-2 8 80 AS
8 00 indirect, wholly owned subsidiary of The
indirect, lly w d idiar
d he
Guardian Life Insurance Company America, New York, NY. Pacific Advisors, Inc. s not an affiliate or subsidiary of PAS or
Guardian Life Insurance Company of America, New York, NY. Pacific Advisors, Inc. is not an affiliate or subsidiary of PAS or
ad f r n c k a f s n o fla da y A
Guardian Insurance Products offered through a f Re o a Insurance S r c
Guardian. Insurance Products offered through Pacific Regional Insurance Ser vices, a DBA of Pacific Advisors Inc Paci c
r a n r n o t f e ro
o Regional n u a Services, DBA Pacific Advisors, I c P cific
B f c d s s Inc. Pacific
Advisors Inc.
Advisors, Inc is not an independent Registered Investment Advisor
v os ns, nc independent Registered Investment Advisor.
nd
n e t eg ster d n e m
e es so
s
PAS is memb r f FINRA/SIPC
PAS is a member of FINRA/SIPC
m INRA /S P
N AS
Disability income p o
Disability income products underwrit ten and issued by Berkshire Life Insurance company of America, Pittsfield, MA, a w holly
s b n products underwritten and issued y Berkshire Life Insurance company of America, Pittsfield, MA, wholly
s ew t s k r e a e , t d o y
own d tock s b d ry
ow ned st ck subsidiary of The Guardian fe Insurance Company of America ew York, NY or The Guardian f Insurance
owned stock subsidiary of The Guardian Life Insurance Company of America, New York, NY, or The Guardian Life Insurance
w bs e Gua a n a c ce m y Ame c Yor
o e a aar Ins a c ce
Comp n
Company of America, Ne York, NY Products are not ava lable n al state. Product provisions
Company of America New York NY Products are not available in all state Product provisions and features may vary by state.
m ny merica, New rk, NY. oduct
rc k available
a state. odu t ovis ons
a feat s may vary by state.
features
a tat
a
The Guardian f Insurance Comapny f America, NY, NY
The Guardian Life Insurance Comapny of America NY NY
a da n a c m p y mer c Guardian, it subsidiaries,
Guardian, its subsidi ries, agents or employees d not provide tax or legal advice.
a dia its b idiari s
d s r employees do not provide x le advice.
m lo o id legal d i
GEAR# 2009-1086 Rev. 9/09
