The Living Balance Sheet

In-Agency Training Request Site

Please click on one of the boxes below to choose the type of one-day LBS training you would like to request.

Foundational Advanced

Kenneth Alter, International Planning Alliance, LLC

Kenneth works in the advanced markets for financial, estate, business continuity, and executive benefits planning. As a third-generation member of his family in the financial services field, Kenneth advises individuals, families, retirees, owners of closely-held companies, and hedge-fund/private equity investors on how best to protect, utilize, and transfer wealth. In addition to advising his own clients, he serves as a technical resource to CPAs, property and casualty agents, attorneys, bankers, and other financial professionals looking to better serve their clients. He is a qualifying member of Guardian's Chairman's Council and MDRT's Top of the Table and is actively involved in various industry organizations, most notably the Association for Advanced Life Underwriting (AALU), which represents the life insurance industry and its clients on various insurance, tax, estate planning, and other benefits-related issues that come before the United States Congress and other regulatory authorities. In his spare time, Kenneth enjoys spending time with family, traveling around the world, and partaking in all that Broadway has to offer.

Ashvin Chheda, ChFC®, CLU® , Opes One Advisors

Ashvin was born and raised in Ibadan, Nigeria. His parents originally from India, were both professors at the University of Ibadan. Ashvin holds a B.Eng from the University of Manchester, U.K, and a M.Sc from the University of Michigan. As an engineer, Ashvin achieved numerous rare accolades such as the President’s Award of Excellence and the Distinguished Member of Technical Staff title. He has 48 Patents granted (at last count) for elegant solutions to various engineering problems. Ashvin transitioned into the financial services career about 15 years ago after being on the receiving end of bad financial planning advice. Ashvin takes a wide-angled holistic view of a client’s financial journey, providing guidance and care in navigating potential obstacles that would prevent true financial harmony. In addition to working with his clients, Ashvin mentors new financial professionals. Ashvin has qualified for multiple Guardian awards; President's Council 5 times, and Executive Club 6 times, Centurion Club 7 times, Presidential Citation Platinum Award 3 times and Silver Award once. In addition, he has won Guardian's Triple Crown Award once (DI Inner Circle, President’s Council and Centurion Club all in a calendar year). Ashvin lives in Frisco, Texas with his wife, niece, three sons, and a 65-pound golden-doodle. He enjoys playing squash at a competitive level, video games with his boys, and reads sci-fi/fantasy extensively.

Jay Clark, Denver

Since joining Guardian in 2002, Jay has dedicated himself to the craft of advice, and to teaching it to others.  After qualifying for Guardian’s Leaders Club, he entered agency management in 2005 where he received numerous Quick Start Recruiting Awards, Presidential Citation Awards, and appointed as an Associate General Agent in 2013.  Jay has been a featured speaker at multiple LBS Forums, Presidential Citation Awards Conferences, Guardian's GA Conferences, and the GAMA Conference.  He enjoys sharing his passion with other advisors, people considering the career, and clients across many states.  Jay officially joined the LBS faculty in 2013 and has been sought out for his clarity of narrative, and ability to deliver powerful concepts simply and effectively. He leads a personal producer group in Denver for his own clients, and mentors many others around the country.  Jay is an avid fly-fisherman, active in his church, and lives in Denver, CO with his wife Emily, their three boys, and their dog, Chewie.

Joseph DeLisi, Mid-South

Joseph DeLisi, CFP®, ChFC®, has spent almost 20 years helping high income people navigate the often confusing world of personal finance. His passion is to effectively communicate complex concepts in a way that clients can completely understand and act on. An original LBS faculty member, Joe is an annual Executive Club qualifier whose entire professional career has been in the field as an FR. Authenticity is one of the words prior students in Joe’s LBS classes repeatedly use to describe his way of communication in an instructional setting. Joe and his wife, Jayme, and their four children Ava, Amelia, Gavin, and Clara reside in both St. Louis as well as Memphis, TN.

Scott Foster, California Pacific

Scott Foster, CFP® has been insurance licensed since 1982. He has been utilizing macro-economic planning with his clients since 1991, and has many years of experience in training financial professionals nationwide. Clients and financial professionals appreciate his skillful use of analogies and engaging presentations. He is driven with the purpose of helping clients achieve optimal financial well-being. Scott was a paramedic with the Los Angeles Fire Department and has applied lessons learned there to the process of being a "financial physician". Scott has been a consistent Leaders Club qualifier as well as a qualifier for Executive Club. Scott is crazy about his wife and three children. He loves music, golf, skiing, photography, and Bible study.

Robert Kievit, Certified Financial Services, LLC

Robert C. Kievit, CLU®, LUTCF® entered the insurance and financial services industry in 1979. He has a long-standing reputation within the industry as a successful producer, a high-level development specialist, and a high-energy presenter. Before leaving full time production to work in field management, Bob typically wrote between 300 and 500 applications per year from all lines, and was a consistent Million Dollar Round Table qualifier who also achieved Court of the Table status. He has been a President’s Council and Leaders Club qualifier, earned Guardian’s Centurion and Praetorion Awards, led Guardian nationally in lives insured, and has consistently earned the Presidential Citation Award as a Sales Manager. In addition to training LBS, Bob is a regular speaker at many Guardian events and also offers full-day or half-day training sessions in the areas of Practice Management and Referral Prospecting.

James McGovern, Pittsburgh

Jim McGovern, CFP®, ChFC®, CLTC is a senior associate of Lifetime Financial Growth, LLC and co-founder of Wealth Innovations, LLC. He has been educating and working with physicians, dentists, executives and business owners in effective financial decision-making for over a decade. He has a tremendous passion for helping people make informed decisions so they can meet their objectives in the creation, maximization, protection, and enjoyment of their wealth. His concepts and ideas break down complex topics into an easy to understand format so decisions can be made and progress can be achieved. In addition to working with his own clients, Jim is a sought out national speaker and mentor to other financial professionals around the United States. He frequently travels to present to financial planning firms, medical groups, and financial services conventions. Jim is an avid golfer and cyclist, and enjoys spending his free time with his wife Jerilyn, and their daughter Molly.

Roderick Roberto, San Diego

Rod Roberto, Senior Vice President at Wealth Strategy Partners in San Diego, has been with Guardian for 12 years. He has qualified for Guardian Leaders Club as both a Personal Producer and Disability Insurance Specialist. Rod has also qualified for Guardian’s Presidential Citation Award, Million Dollar Round Table, and Quick Start 5 years in a row. Rod and his wife Cathy, live in Chula Vista with their 5 kids. He is also the President of Parkview Little League which won the 2009 Little League World Series. His son Bradley played on the team. In 2010 Rod was picked as one of 50 "People to Watch" in San Diego Magazine.

Joe Sciabica, New York Elias

Joseph M. Sciabica, AEP®, ChFC®, CFP® is an FR with Wealth Advisory Group, LLC in midtown Manhattan. He began his financial services career in 1994. Prior to joining Wealth Advisory Group in 2002, he spent three years at the Guardian Home Office in the Advanced Planning Department (which eventually became the Business Resource Center). Joe has a growing business, and is consistently among the agency’s leaders in total lives and premium written. He has achieved Million Dollar Round Table, Leaders Club, and Presidential Citation Award. Joe and his partner, Bina Patel, seek to lead others by example, and to be a source of confidence for his clients by helping them achieve a higher level of financial balance and organization. Joe and his wife, Tamar, live in Floral Park, NY. They adore their son, Nicholas.

John Shields, Central Florida

John specializes in communicating complex personal and business strategies in understandable terms to professionals and business owners. John holds several securities licenses and is licensed in multiple states. John is a current board member and officer of FAIFA. John is currently serving on the board of the YMCA of Marion County Florida. John and his wife Dawn have five children and two grandchildren. Serving his faith, family, and clients are John’s life focus. Most recent accomplishments include: Qualified for Million Dollar Round Table, Leaders Club, Top of the Class, Bull and Bear Award Winner 2014, Investment Sales Leader, Agency President’s Trophy Winner, ‘11, ‘12 and ’13, and the most coveted Solomon S. Huebner Award for writing $43,451,752 in Face Amount during 2014.

If you have any questions, please call LBS Training at 1-800-871-7780, Choice 5, Option 3.