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This material is intended for general public use. By providing this material, The Bulfinch Group 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. The Bulfinch Group and its agents do not act as ERISA fiduciaries to qualified plans.

Securities products and advisory services offered through Park Avenue Securities LLC (PAS), member FINRA, SIPC. 160 Gould Street, Suite 310, Needham, MA02494 (781) 449-4402. PAS is a wholly-owned subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY. The Bulfinch Group is not an affiliate or subsidiary of PAS or Guardian. Life Insurance offered through The Bulfinch Group Insurance Agency, LLC, an affiliate of The Bulfinch Group, LLC. The Bulfinch Group, LLC is not licensed to sell insurance. The Bulfinch Group is not registered in any state or with the U.S. Securities and Exchange Commission as a Registered Investment Advisor.

Guardian, it’s subsidiaries, agents and employees do not provide tax, legal, or accounting advice. Consult your tax, legal or accounting professional regarding your individual situation. This material is intended for general use. By providing this content, Park Avenue Securities LLC and your financial representative are not undertaking to provide investment advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity.