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International Planning Alliance is an Agency of The Guardian Life Insurance Company of America (Guardian), New York, NY.

Securities products and services offered through Park Avenue Securities, LLC (PAS), member FINRA, SIPC. OSJ: 300 Broadacres Drive, Suite 175, Bloomfield, NJ 07003, (973) 244-4420.

PAS is an indirect, wholly-owned subsidiary of Guardian. International Planning Alliance, LLC is not an affiliate or subsidiary of PAS or Guardian.

Registered Representative and Financial Advisor of Park Avenue Securities and General Agent of Guardian.  Securities products and advisory services offered through Park Avenue Securities LLC (PAS), member FINRA, SIPC. OSJ: 300 Broadacres Drive Suite 175 Bloomfield, NJ 07003. PAS is an indirect, wholly-owned subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY.  This firm is not an affiliate or subsidiary of PAS or Guardian.

**  Registered Representative of Park Avenue Securities and Financial Representative of Guardian.  Securities products and advisory services offered through Park Avenue Securities LLC (PAS), member FINRA, SIPC. OSJ: 300 Broadacres Drive Suite 175 Bloomfield, NJ 07003. PAS is an indirect, wholly-owned subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY.  This firm is not an affiliate or subsidiary of PAS or Guardian.

***  Registered Representative and Financial Advisor of Park Avenue Securities and Financial Representative of Guardian.  Securities products and advisory services offered through Park Avenue Securities LLC (PAS), member FINRA, SIPC. OSJ: 300 Broadacres Drive Suite 175 Bloomfield, NJ 07003. PAS is an indirect, wholly-owned subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY.  This firm is not an affiliate or subsidiary of PAS or Guardian.

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.

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. © Copyright 2005-2016 The Guardian Life Insurance Company of America.

IPA is not a registered investment advisor.

This material is intended for general public use. By providing this material, International Planning Alliance, LLC 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.