How does your planning approach work?

Our unique "Wealth Design Process" has been instrumental in helping our clients reach their maximum financial potential. The six step process is guided by one of our financial professionals. The six steps are as follows:

Vision Blueprint: This is the first step in our unique process. It will provide you with a clear understanding of what you want to accomplish and the potential challenges you may encounter. You will develop clear intentions that will help you make decisions that are consistent with your value system.

Clarity: The next step allows us to gain a more in-depth understanding of your current financial situation. At the end of this step, you will have a clear picture of your current financial situation.

The Macro Model: At this stage, we use our comprehensive model to verify how your assets and liabilities are impacting your current financial picture. The Model will help you identify the strengths and weaknesses of your current financial strategies and the impact they will have on your future.

The Moat: In days of old, Kings built moats to protect their castles from threats. Together we will help you devise and implement protection strategies that will protect your wealth from the devastating impacts of inflation, disability, lawsuits, death, and unnecessary taxes.

The Castle: We will help you identify and measure how new financial strategies will impact your current and future financial situation. Our goal is to provide you with objective information so that you can make informed decisions that optimize your overall plan benefits.

The Living Balance Sheetsm: You will have a "living document" that will allow you to monitor, measure, and verify your financial progress. The Living Balance Sheet will make record keeping easier and will help us refine your plan as opportunities and challenges arise.

Are you committed to selling just one set of products or from one set of companies?

Our primary relationship is with the Guardian Life Insurance Company of America Guardian that gives us numerous resources for everything from the software that we use to communicate information to our clients, to client management software, email systems. We also offer clients a full range of reputable products and services with other insurance carriers designed to meet their individual estate and business planning needs through Innovative Underwriters, a subsidiary of The Guardian Life Insurance Company. On the securities side, we have everything from Guardian annuities, mutual funds, to over 7,000 mutual funds, we have dozens of different variable annuities and variable life products that we can sell which are offered through Park Avenue Securities LLC, a registered broker-dealer, member NASD,SIPC.

Why sould I work with Wealth Design Group instead of one of the bigger brokerage houses/more recognizable names/more advertised brands?

The infrastructure that we have is made up primarily of specialists who are able to help our associates accomplish the things they need in the field, they have a great advanced market team called Shadow Advisors that they are able to access. The Living Balance Sheet we really believe is a unique tool in the marketplace that helps us differentiate ourselves from our competition.

Do you work with individuals or companies or both?

We work with individuals and companies.

What is the Living Balance Sheet?

With the Living Balance Sheet, your financial information is updated and organized. All of your data is password-protected in a secure, encrypted personal website, accessible to you and your Financial Representative, from anywhere with Internet access.

Not only can you consolidate your financial information, such as insurance coverage, bank balances, retirement and investment accounts, but you can also:

- Monitor other assets, such as business interests and real estate holdings

- Monitor airline and hotel award programs, and be automatically notified of eligible offers

-Store copies of tax and legal documents

-Store treasured photos, audio recordings and videos

What is the National Football League Players Association?

The National Football League Players Association is the union for professional football players in the National Football League. Established in 1956, the NFLPA has a long history of assuring proper recognition and representation of players' interests. The NFLPA has shown that it will do whatever is necessary to assure that the rights of players are protected -- including ceasing to be a union, if necessary, as it did in 1989.
In 1993, the NFLPA again was officially recognized as the union representing the players, and negotiated a landmark Collective Bargaining Agreement with the NFL. The current CBA will govern the sport through 2011.
The NFLPA:

-represents all players in matters concerning wages, hours and working
conditions and protects their rights as professional football players
-assures that the terms of the Collective Bargaining Agreement are met
-negotiates and monitors retirement and insurance benefits
-provides other member services and activities
-provides assistance to charitable and community organizations
enhances and defends the image of players and their profession on and off the field

Financial information concerning The Guardian Life Insurance Company of America as of 12/31/06 on a statutory basis: Admitted Assets = $26.7 Billion; Liabilities = $23.2 Billion (including $19 Billion of Reserves); and Surplus = $3.5 Billion.

3040 Post Oak Blvd Suite 400, Houston, TX 77056
Phone: 281-220-2700 Fax: 713-968-0125 Email: rray@wealthdesigngroup.net

Securities products and services are offered through Registered Representatives of Park Avenue Securities LLC (PAS). Wealth Design Group is not an affiliate or subsidiary of PAS.
PAS is a member FINRA/SIPC.

Guardian and PAS, its representatives and employees do not give tax or legal advice

The Registered Representative is securities licensed in Texas and the material is strictly intended for individuals residing in those states. No offers may be made or accepted from any resident outside these specified states.

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. The information contained herein 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.

This Internet site may provide links to other sites for your convenience in locating related information and services. This Agency, The Guardian Life Insurance Company of American (Guardian) and Park Avenue Securities, LLC (PAS) do not maintain these other sites and have no control over the organization that maintain the sites or the information, products or services these organizations provide. This Agency, Guardian and PAS cannot make any representation or warranty as to the accuracy, timeliness, suitability, this Internet site or incorporated herein, and take no responsibility therefore. The Agency, Guardian and PAS do not recommend or endorse these organizations or their products or services in any way.