Life Insurance Planning in Portsmouth, NH
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 +
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.
