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Compliance number: 2014-02110

Guardian, its subsidiaries, agents, or employees do not provide tax or legal advice. Please consult with your attorney, accountant, and/or tax advisor for advice concerning your particular circumstances.   Internet site may contain general information about various investment products.  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 information on this web site is designed to be general in nature and for educational purposes only.

Registered Representatives and Financial Advisors of Park Avenue Securities LLC (PAS), 300 Broadacres Drive, Suite 175, Bloomfield, NJ 07003 .  Securities products/services and advisory services are offered through PAS, a registered broker-dealer and investment advisor,  (973) 244-4420.  Financial Representatives, The Guardian Life Insurance Company of America (Guardian), New York, NY.  PAS is an indirect, wholly owned subsidiary of Guardian.  International Planning Alliance, LLC is not an affiliate or subsidiary of PAS or Guardian. International Planning Alliance, LLC  is not an independent registered investment advisor. The financial representatives of International Planning Alliance and the registered representatives/financial advisers of PAS are not licensed to sell insurance or securities in all 50 states.  To find out if an agent is licensed in your state, please contact Linda Bellofatto at (973) 396-1997.

*Registered Representative of Park Avenue Securities LLC (PAS).

**Registered Representative and Financial Advisor of PAS.

The Guardian NetworkTM  is a network of independent agencies authorized to offer products of The Guardian Life Insurance Company of America (Guardian) and its subsidiaries, and is not an affiliate or subsidiary of Guardian.

PAS is a member of FINRASIPC

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 2005-2014, The Guardian Life Insurance Company of America.

Links to other sites are for your convenience in locating related information and services.  This Agency, Guardian and  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 do not make any representations as to the completeness or suitability of the information provided in any of these other sites. 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.