Scott M Garbien
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Office: 518-459-4665

3 Atrium Dr Ste 255
Albany, NY 12205-1417

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Northwestern Mutual Expects to Pay $4.6 Billion in Dividends to Policyowners in 2009

The Northwestern Mutual Life Insurance Company will continue to lead the industry in total life insurance dividends paid in 2009 - crediting their long term investment strategy, strong operating fundamentals, and capital strength for delivering exceptional value to policy owners.

Learn more about life insurance dividends.

Let Your Worries Go

Northwestern Mutual and I want to help you let your worries go. Whether you worry about financial security, natural disasters, illness or hunger, learn how we can help.

To help combat these worries, The Northwestern Mutual Foundation has earmarked $1 million for Habitat for Humanity - New Orleans, Susan G. Komen for the Cure, America’s Second Harvest and the YMCA. View www.letyourworriesgo.com and vote for how the funds will be distributed.

Encourage your friends and family to vote too!

Life never stands still. It evolves, changes direction, and leads to new possibilities. That means your approach to financial security cannot be static, because as your life changes, so do your needs and goals. Scott M.Garbien combines his experience with your goals to offer you expert guidance and innovative solutions.

 

Scott M. Garbien is a Financial Advisor with the Northwestern Mutual Financial Network. The mission of the Network is to develop enduring relationships with clients by providing expert guidance for a lifetime of financial security.

 

It is Scott M. Garbien's commitment and belief that who he is as a financial advisor has a substantial impact on the level of service and quality of the financial counsel he provides to clients.

 

When it comes to financial goals, each decision made and action taken will have a significant impact on future financial circumstances. A good financial blueprint will lay out what needs to be done to achieve goals for tomorrow. A clear understanding of interrelationships is invaluable to confront economic issues that evolve over time.

 

Because life's complexities leave little room for "standard" approaches, Scott uses a four-step approach in working with clients:

 

Ask questions
Analyze the information
Make recommendations
Keep in Touch

 


Scott's experience also tells him that there is no single blueprint that will work for everyone. Ultimately, success of a client's plan depends on how accurately it reflects an individual's wishes, and the commitment to providing for identified financial needs and goals.

 

By taking a comprehensive assessment of a client's current situation, Scott helps the client prioritize goals, and develop a workable strategy with clear action steps and timetables. 

 

 

Before you agree to receive financial planning services, please see complete information and disclosures in the NMIS Financial Planning Brochure (also called the ADV brochure) and review the terms of the NMIS Planning Engagement Agreement. These may be obtained from Scott M. Garbien, 

My Mission

 

Scott Garbien's mission is to help more people, and himself, realize their full potential to identify and achieve their dreams.

 

Northwestern Mutual Financial Network

We provide you with access to a nationwide network of representatives, advisors and specialists—people who have invested their time and developed their talents to become experts and they have the knowledge that comes only from experience.

What’s paramount is to have a flexible approach with complementary solutions. We strive to call on the full capabilities of the Northwestern Mutual Financial Network, providing our clients with financial services that allow them to feel assured that their intentions have been understood and their needs are being addressed.