Registered Representatives and Financial Advisors of Park Avenue Securities, LLC (PAS), 4201 Congress Street, Suite 295, Charlotte, NC 28209. Securities products/services and advisory services offered through PAS, a registered broker-dealer and investment advisor. Financial Representatives, The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is an indirect, wholly owned subsidiary of Guardian. The PSGroup is not an affiliate or subsidiary of PAS or Guardian.

PAS is a member FINRA, SIPC.

Frances A. Simon and Bart Ellis are Financial Representatives of The Guardian Life Insurance Company of American, New York, NY. They are licensed to conduct business in AL, FL, GA, IN, LA, MD, MA, MO, NY, NC, OH, OR, SC, and VA. In this regard, this communication is strictly intended for individuals residing in the states of Alabama, Florida, Georgia, Indiana, Louisiana, Maryland, Massachusetts, Missouri, New York, North Carolina, Ohio, Oregon, South Carolina, and Virginia. No offers may be made or accepted from any resident outside these specified states. The information or opinions contained in this Internet site should not be construed by any consumer and/or prospective client as an offer to sell or the solicitation of an offer to buy any particular investment product. The information contained herein is directed solely to those individuals who reside in jurisdictions in which the representative is registered in the state where the consumer and/or prospective client reside. Any subsequent direct communication with a consumer and/or prospective client shall only be conducted by a representative that is registered in the state where the consumer and/or prospective client reside.

The Living Balance Sheet® and the Living Balance Sheet® Logo are registered service marks of The Guardian Life Insurance Company of America (Guardian), New York, NY. The graphics and text used herein are the exclusive property of Guardian and protected under U.S. and International copyright laws.© Copyright 2005-2011, The Guardian Life Insurance Company of America.

Neither Guardian, Park Avenue Securities, nor their representatives render legal or tax advice. Please consult with your attorney, accountant, and/or tax advisor for advice concerning your particular circumstances.

Note regarding external links:
Links to other sites are for your convenience in locating related information and services. This Agency, The Guardian Life Insurance Company of America (Guardian) and Park Avenue Securities, LLC (PAS) do not maintain these other sites and have no control over the organizations that maintain the sites or the information, products or services these organizations provide. Although this Agency, Guardian and PAS believe that the information from these organizations is reliable, we cannot guarantee its completeness or suitability for any purpose. Accordingly, this Agency, Guardian and PAS expressly disclaim any responsibility for the content, the accuracy of the information or the quality of products or services provided by the organizations that maintain these sites. This Agency, Guardian and PAS do not recommend or endorse these organizations or their products or services in any way.