Disability Insurance Planning In Portsmouth, NH
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 +
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 +
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:
RICP® – Retirement Income Certified 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.
Read Andrew’s Bio
Andrew is the Founder and Principal of Forge Financial. He works with Individuals and Business Owners with a friendly, down-to-earth approach to create personalized financial strategies that fit your unique goals and dreams. Andrew’s mission is simple: to provide guidance, build trust, and make financial planning less overwhelming—so you can focus on what really matters.
In 2012, Andrew started his practice in Boston, MA and the rest is history. His love of working with and connecting with new people made his practice grow rapidly. In 2014 Andrew married his wife Jenn and they have 3 kids James, Claire, and Owen. Andrew & his family live on the Seacoast of New Hampshire with their dog Penny.
Andrew enjoys sharing what financial planning options are out there, and most importantly how his clients can be part of a larger strategy to put them in a position of strength and 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, know they are protected, and empowered to take advantage of opportunities.
Andrew earned his BS in finance from Providence College and is an alumnus of Governor Dummer Academy. He was named by Forbes as a Best In State Financial Security Professional in 2023 and 2024, a 5 Star Wealth Manager in 2024, and 4 under 40 by the National Association of Insurance and Financial Advisors in 2018. He is also recognized as a qualifying member of the Guardian Leaders Club, Executive Club, Presidents Council, and Centurion Club. He serves on the board of directors 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 coaching his boys’ football teams.
