1. Vince Cirianni and David Cerchio are Registered Representatives of Park Avenue Securities LLC (PAS), 710 Route 46, Suite 401, Fairfield, NJ, 07004, (973) 244-4420. Gary Beinhaker is a Registered Representative of Park Avenue Securities LLC (PAS), 1150 Raritan Road, Cranford, NJ, 07016, (908) 709-0020. Securities Products and services offered through PAS. Financial Representatives, The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is an indirectly wholly owned subsidiary of Guardian. The Preferred Client Group, LLC is not an affiliate or subsidiary of PAS or Guardian. 

PAS is a member FINRA/SIPC. 

Gary Beinhaker is securities licensed in NJ; licensed to sell insurance in NJ, FL, MO, NV, OH and NY. Vince Cirianni is securities licensed in CT, FL, MA, NJ, NY, PA and VA; Licensed to sell insurance in DE, FL, NJ, NY, PA and VA. David Cerchio is securities licensed in CA, CT, DE, PA, MA, NJ, and NY; licensed to sell insurance in VA, MA, PA, NC, FL, CT, NJ, and NY. The material is strictly intended for individuals residing in those states. No offers may be made or acceptance from any resident outside these specified states.

The information or opinions contained in this Internet site 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.

2. Disability income insurance underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America, New York, NY. Products not available in all states. Product provisions and features may vary from state to state.
3. This Internet site may provide links to other sites 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. This Agency, Guardian and PAS cannot make any representation or warranty as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to this Internet site or incorporated herein, and take no responsibility therefore. This Agency, Guardian and PAS do not recommend or endorse these organizations or their products or services in any way.
4. Neither Guardian, nor its subsidiaries, agents or employees give tax or legal advice. You should consult your tax or legal advisor regarding your individual situation.
   The Living Balance Sheet ® is a registered trademark of The Guardian Life Insurance Company of America, New York, NY. (patent pending)
5. Guardian does not offer this product nor provide services for it.
6. PAS does not endorse the selections listed.
   
   Material discussed is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal or investment advice. Although the information has been gathered from sources believed reliable, please note that individual situations can vary, therefore the information should be relied upon when coordinated with individual professional advice.