GapGuardian Scans Your Plan for Hidden Risks in Minutes
Most advisors miss critical gaps in pensions, taxes, and family protection. We don’t.
The GapGuardian Difference
Discovery
Our proprietary technology audits many financial variables most overlook.
Precision
Identifies exact shortfalls, down to the dollar, in pensions, taxes & legacy plans.
Resolution
Your dedicated advisor builds a gap-proof strategy tailored to your life.
Testimonial
Trusted by Those Who Serve
How We Helped:
Our team used GapGuardian’s proprietary gap analysis to restructure her assets, aligning them with her CalSTRS benefits.
GapGuardian Exposed:
- 43% income gap post-retirement
- No survivor protection for spouse
Result: Now receives 94% of her final salary for life, with built-in survivor security.
Sarah L.
28-Year, Teacher
How We Helped:
GapGuardian’s risk-assessment module identified critical coverage gaps, allowing our advisors to design a tailored safety net.
GapGuardian Exposed:
- Disability coverage capped at 60% of salary
- No lump-sum benefit for his family
Result: Jake's family is now protected with $750K tax-free + $7K/month guaranteed. Closed 87% of his gap.
Officer Jake R.
Highway Patrol
How We Helped:
GapGuardian’s tax-gap algorithm flagged inefficiencies, enabling our team to implement strategic adjustments.
GapGuardian Exposed:
- $622K hidden tax liability
- 3.8% NIIT surcharge exposure
Result: Saved $387K—now funds her Aspen condo without tax stress.
Dr. Robert T.
Orthopedic Surgeon
How We Helped:
GapGuardian’s retirement-income simulator projected shortfalls, prompting our advisors to optimize his withdrawals.
GapGuardian Exposed:
- TSP allocations earning just 2.1%
- RMDs would push him into a higher bracket
Result: Lifetime income increased by $1.3M, without added risk.
David P.
IRS Senior Analyst
How We Helped:
GapGuardian’s legacy audit exposed vulnerabilities, so we fortified her transition plan.
GapGuardian Exposed:
- $1.8M in total gaps
- 40% estate tax threat
Result: Her children will inherit the practice intact, and zero tax erosion on her income through PublicServ’s GrowthGuard plan.
Esther H.
Dental Practice Owner
How We Helped:
GapGuardian’s generational-wealth scan identified key opportunities, which our advisors executed seamlessly.
GapGuardian Exposed:
- $214K in future RMD taxes
- No special-needs trust for grandson
Result: $1.2M now passes tax-free, with lifelong care for their grandson.
Marcus & Elena D.
Elementary Teachers
All testimonials are from real clients. However, to protect our clients’ privacy, the photos shown are not of the actual individuals.