This material is intended for general public use. By providing this material, we are not undertaking to provide investment advice for any specific individual or situation, or to otherwise act in a fiduciary capacity. Please contact one of our financial professionals for guidance and information specific to your individual situation. Certified Financial Services is an Agency of The Guardian Life Insurance Company of America (Guardian), New York, NY. Securities products offered through Park Avenue Securities LLC (PAS), member FINRA, SIPC. OSJ: 52 Forest Avenue, Paramus, NJ 07652. PAS is an indirect, wholly-owned subsidiary of Guardian. Certified Financial Services is not an affiliate or subsidiary of PAS or Guardian. Important Disclosures 2017-43536 Exp 7/19 |