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PAS is an indirect, wholly-owned subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY. Physicians Financial, LLC is not an affiliate or subsidiary of PAS or Guardian.

Securities products offered through Park Avenue Securities, LLC (PAS), member FINRA, SIPC.

This material is intended for general public use. By providing this material, Physician Financial is not undertaking to provide investment advice for any specific individual or situation, or to otherwise act in a fiduciary capacity. Please contact a financial professional for guidance and information specific to your individual situation.

Important Disclosures

2016-33172 Exp 12/20/2018