Securities products and certain investment advisory services are offered through Park Avenue Securities LLC (PAS), One Cragwood Road, 3rd Floor, South Plainfield, NJ 07080. PAS is an indirect wholly owned subsidiary of The Guardian Life Insurance Company of America, New York, NY (Guardian). Other investment advisory services are offered through International Planning Alliance, LLC (IPA) and/or Wood & Anthony, LLC (W&A). IPA and W&A are Registered Investment Advisors and are not affiliates or subsidiaries of PAS, Guardian, Guardian Investor Services LLC or The Guardian Insurance & Annuity Company, Inc. PAS is a member FINRA, SIPC. The information on this site is intended for the residents of New Jersey, New York, Connecticut and Pennsylvania. The representatives of International Planning Alliance, LLC are not licensed to sell insurance in all 50 states. To find out if an agent is licensed in your state, please contact Linda Bellofatto at (800) 355-1919. Certain advisory services are offered through International Planning Alliance, LLC (IPA), a New Jersey Registered Investment Advisor. Certain IPA representatives may be registered representatives and/or advisory representatives of Park Avenue Securities LLC (PAS) and may offer securities products and advisory services through PAS. 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.