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Disability Insurance
Planning Services

For entrepreneurs, individuals, families, and those experiencing life events.


Serving Portsmouth NH, Portland ME,
Boston MA, and beyond.


Did You Know?

One (1) in every three (3) people experience a disability due to injury or illness over the course of their career. That’s why disability insurance is arguably the most important insurance you can own – though it is typically the one people know the least about and often want to avoid altogether. 

The idea is to save for your future without sacrificing your fun.

Protect Your Future

Disability insurance planning is a protective strategy that ensures you and your loved ones are taken care of in the event that you become sick or get hurt and are unable to work. Disability insurance also allows you to still save for your retirement. 

Integrating Disability Insurance into Your Financial Plan

Guyton/Forge believes disability insurance planning is a critical piece of building a strong financial plan. Disability insurance makes sure that your entire plan doesn’t get derailed because of an unfortunate circumstance that leaves you unable to earn the same income level before the accident or illness. Having disability insurance in place means that you are also protected if you have not saved enough to live on, and helps cover some of your expenses.

Not Always a Pleasant Conversation

Talking to an experienced financial professional about disability insurance coverage may not be the easiest thing to do but it is one of the most important insurance policies you can own. Taking the time to understand the options with a qualified professional could save you a world of regret later on. We’ll help you understand the following variables related to disability insurance and learn what the best option is for your circumstances.

Coverage can have increase options and inflation protection

Recovery provisions (if you are back to work, but not earning at the same level)

Student loan protection (disability carrier will pay student loans if claim placed)

And more +

The Life Insurance Planning and Purchasing Process Includes +

Defining your income sources

Defining what would be lost to you and your family in the event of injury or illness

Reviewing existing disability insurance policies, if applicable

Recommending suitable premium payment strategies

Working with underwriters to secure the best possible rating for you

Collaboration with your attorneys, CPA and other professionals as necessary

And more +

Speak to a Disability Insurance Expert

Meet Joe & Andrew

Over 35 years, Joe and Andrew Guyton have helped hundreds of families fulfill their disability insurance needs.

Joe and Andrew Can Help You Answer Questions Like…

Is disability insurance actually important? 

Is disability insurance expensive?

Do I have to be hurt to qualify to receive disability insurance?

And more +


Joseph Guyton

Principal | Guyton Group

RICP® CExP™ AEP® CLU®

603-766-9200
[email protected]

Read Joe’s Bio

Joseph H. Guyton is Principal of The Guyton Group. He has over 35 years of experience providing professional knowledge in retirement income planning, pension, profit sharing and business succession. Joe’s clients include high net worth business owners and individuals. As an RICP® with extensive training, Joe can provide expert advice on a broad range of retirement topics including income needs and objectives, estate issues and other risks to the retirement income planning, social security, health insurance, housing decisions, and income taxation strategies.  He understands the many problems people face today as they prepare to exit their businesses.  He helps all his clients increase access to their wealth on a guaranteed and tax-advantaged basis.

Education:
Pennsylvania State University – Bachelor of Science in Finance and Accounting
The Richard Irwin Graduate School at The American College – Business Succession Planning – Certificate
The Richard Irwin Graduate School at The American College – Estate Planning and Taxation – Certificate

Professional:
The Guyton Group – Principal
CIGNA – Formerly a Field Representative

Professional Designations, Organizations, and Committees:

CExP™- Certified Exit Planner
RICP® – Retirement Income Certified Planner®
AEP® – Accredited Estate Planner®
CLU® –   Chartered Life Underwriter®

2019 President – Executive Committee of Leaders Club by Guardian Life Insurance Company of America®

Million Dollar Roundtable
– Court of the Table
– Top of the Table
National Association of Insurance and Financial Advisors New Hampshire Estate Planning Council
Association for Advanced Life Underwriting
International Association of Insurance and Financial Advisors
Guardian’s Leader’s Club, President’s Council, Chairman’s Council
Guardian Elite
Recipient of the Robert Effenson Award

Registered Representative and Financial Advisor of Park Avenue Securities LLC. Financial Representative of The Guardian Life Insurance Company of America. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation.  CA insurance #0A96200.

This award is not issued or endorsed by Guardian or its subsidiaries. The annual Five Star Wealth Manager award [2022] is based on criteria developed and obtained by Five Star Professional. No compensation has been provided by the adviser in connection with obtaining or using the third-party award.

Million Dollar Round Table is endorsed by but not affiliated with Guardian or its subsidiaries. Applicants must annually qualify for membership based on productivity and pay an annual fee.

National Association of Insurance and Financial Advisors is endorsed by but not affiliated with Guardian or its subsidiaries. Members must pay an annual fee.

Guardian endorses and establishes the criteria for Guardian awards/recognition.

Andrew Guyton

Principal | Forge Financial

603-766-9200
[email protected]

Read Andrew’s Bio

Ever since Andrew was a kid, he had a knack for savings money and small businesses.  He started from humble beginnings selling paperweights made from rocks and lemonade in his front yard.  His passion for business grew into a lawnmowing service and his entrepreneurial spirit grew from there.  Given his knack for business, Andrew also became a good saver at a young age, influenced by his father Joe who owned a financial planning business.  As Andrew moved through life, his drive to be a business owner coupled with the habits he learned around money at a young age catapulted him into the financial planning business, and the rest is history.

Andrew started his practice in 2012 in Boston MA after working in the tax department at Liberty Mutual.  Andrew’s practice quickly grew, and so did his family.  In 2014 he married his wife Jenn, and they moved to New Hampshire where they settled on the Seacoast and now have 3 children, James, Claire and Owen.  At that time, Andrew and his father Joe combined forces and branded The Guyton Group.

Andrew enjoys sharing with his clients not just what financial planning options are out there, but most importantly how they can be part of a larger strategy to put his clients in a position of strength so they can work through whatever life throws their way.  Andrew works to deliver a cohesive strategy across many disciplines in the financial planning space so that his clients feel confident that they are protected and taking advantage of opportunities. 

 Andrew earned his BS in finance from Providence College and is an alumnus of Governor Dummer Academy.  He was named 4 under 40 by the National Association of Insurance and Financial Advisors in 2018 and also recognized as a qualifying member of the Guardian Leaders Club, Executive Club, Presidents Council, and Centurion club.  He serves on the board of director for the Seacoast Chapter of Veterans Count and takes pride in supporting the military in his community where he hosts a charity tournament since 2018 with the proceeds going to Veterans Count. 

In his free time, he enjoys time with his wife and children, playing golf, working in his yard and watching airplanes.  Andrew loves meeting new people and spirited conversation around football.  

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Find out what Guyton/Forge can do for you.


Complete our online form or call 603-766-9200.

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