Gear # 2015-10192 Exp: 09/17

North Florida Financial is an Agency of The Guardian Life Insurance Company of America (Guardian), New York, NY.

Securities products and advisory services offered through Park Avenue Securities LLC (PAS), member FINRA, SIPC. OSJ: 3664 Coolidge Ct., Tallahassee FL 32311. 850-562-9075. PAS is an indirect, wholly-owned subsidiary of Guardian. North Florida Financial is not an affiliate or subsidiary of PAS or Guardian.

Guardian, its subsidiaries, agents or employees do not provide legal or tax advice. Please consult with your attorney, accountant, and/or tax advisor for advice concerning your particular circumstances.

The Living Balance Sheet® (LBS) and the LBS Logo are registered service marks of The Guardian Life Insurance Company of America (Guardian), New York, NY. © 2005-2015 The Guardian Life Insurance Company of America.

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Important Disclosures