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52 Forest Ave. Paramus, NJ 07652

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Registered Representative and Financial Advisor of Park Avenue Securities (PAS), LLC, 52 Forest Ave., Paramus, NJ 07652. Securities products / services and advisory services are offered through PAS, a member FINRA, SIPC, a registered broker-dealer and investment advisor, 800-366-0839. Financial Representative, The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is a, wholly owned subsidiary of Guardian. Not practicing law for Guardian or its subsidiaries or affiliates. Individual disability income products underwritten and issued by Berkshire Life Insurance Company of America (BLICOA), Pittsfield, MA or provided by Guardian. BLICOA is a wholly owned stock subsidiary of and administrator for the Guardian Life Insurance Company of America (Guardian), New York, NY. Product provisions and availability may vary by state. *Conditions and limitations apply. Medical information is not required when applying to exercise an increase option. Taken into consideration are financial information as well as all disability insurance in force, for which you’ve applied or are eligible to receive. Certified Financial Services is not an affiliate or subsidiary of PAS or Guardian. Guardian, its subsidiaries and its agents, and Certified Financial Services do not provide legal or tax advice. 6990380.1 exp 10/2026