Carl A. Lutz - Protection Savings & Growth Consulting, Pittsford, New York

"Create a definite plan for carrying out your desire and begin at once, whether you are ready or not, to put this plan into action." Napoleon Hill

	Organize Your Financial Documents and Plans

	Cash Flow Management System

	Log Into Your Living Balance Sheet

Can you imagine building a house without a foundation? If you built your house without a foundation, how well would it hold up under adverse weather conditions? Not very well would it? How well does your financial plan hold up in the event of adverse conditions such as premature death, unforeseen sickness or injury, lawsuits, stock market fluctuations, interest rate risk, taxes and inflation?

This is exactly why I named my business Protection, Savings & Growth Consulting. You must build the foundation first, Protection. Once you have a sound foundation then it's time to focus on Savings. The detriment to most people's financial plans is their inability to spend less than they earn. By creating a cash flow management system I am able to teach people how to systematically save in a way that's fun and rewarding for today and the future. Once your foundation is built and your ability to save without creating debt is strong, then we talk about Growth. The best part of our system is that it serves everyone. Whether your net worth is $100 or $ 1,000,000, whether you are an employee or an employer, I am confident that together we will co-create a plan that serves you and the people that you love.

Have you ever asked yourself the following questions?

• When do the taxes get paid from my 401(k) or IRA?

• Will I be in a higher tax bracket or a lower tax bracket when I retire?

• Should I have a 15-year mortgage or a 30-year mortgage?

• Under how many different circumstances does your plan succeed? Must everything come together just right?

• If you're not asking yourself these questions, you should be. In my opinion this is the value a financial planner should be bringing to you.

Carl A. Lutz is insurance licensed in the following states: New York, Pennsylvania, Minnesota,
Connecticut, New Jersey, Colorado, Nevada, California (OF30591) and Utah.

Carl A. Lutz is a Registered Representative and Financial Advisor of and offers securities products and services through Park Avenue Securities LLC (PAS). Securities products/services and advisory services are offered through PAS, a registered broker/dealer and investment advisor. Financial Representative, The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is an indirect, wholly owned subsidiary of Guardian.
Protection, Savings & Growth Consulting is not an affiliate or subsidiary of PAS .
PAS is a member FINRA/SIPC. www.sipc.org

The Registered Representative is securities licensed in New York, Pennsylvania, Minnesota,
Connecticut, New Jersey, Colorado, Nevada, California (OF30591) and Utah 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.