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Life Insurance Planning Services

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


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


Be Smart. Be Insured.

Life insurance is a tool to help manage and minimize risks that can impact even the best laid financial plans. Life insurance can also in some instances help grow wealth and build portfolio diversity. 

Life insurance provides income tax-free money to your beneficiaries which can help do things like keep your family in their home, aid in education costs, and so much more. Most people think they only need life insurance when they’re young — which is no longer the case.

Who Needs Life Insurance +

Parents with growing families to protect each other and their children

Retirees as a strategic part of their asset allocation

Individuals in the accumulation phases of their life; Whole life insurance policies contain an important savings element known as cash value. Premium contributions to your policy over time will help accumulate tax-deferred cash value that you can then borrow from or withdraw for cash.

Deeply Versed in Life Insurance Planning

Guyton/Forge has over three decades of experience helping individuals and their families choose life insurance plans best suited to their needs and comfort levels.

We approach planning and purchasing using math, science, and human empathy as our compass – selecting customized plans based on what you want to have happen in the event of your absence. We believe well-executed life insurance planning must protect the future value of your earnings and not simply cover a mortgage or other debt. 

Our life insurance planning and purchasing is most often an integrated piece of a larger financial planning picture. We represent multiple carriers and will help you determine which one is best suited for your needs and goals. We can also assist you in a more transactional manner by helping you select the right life insurance policy if you are currently without one.

The Life Insurance Planning and Purchasing Process Includes +

Defining and refining your legacy goals

Reviewing existing wills and trusts

Reviewing existing life insurance policies & Stress Testing, if applicable

Projecting future estate tax obligations

Recommending suitable ownership, beneficiary, and 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 Life Insurance Professional

The primary feature of whole life insurance is the death benefit. All whole life insurance policy guarantees are subject to the timely payment of all required premiums and the claims paying ability of the issuing insurance company. Policy loans and withdrawals affect the guarantees by reducing the policy’s death benefit and cash values.

Meet Joe & Andrew

Joe and Andrew Guyton have helped hundreds of families fulfill their life insurance needs across New Hampshire, Maine, and Massachusetts, as well nationwide through flexible virtual meetings.

Joe and Andrew Can Help You Answer Questions Like…

Why do I need life insurance?

How does life insurance actually work?

How much does life insurance cost?

Why should I use Guyton/Forge over an online service?

Do I only need Life insurance when my kids are young?

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.  

Consultation Minimal

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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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