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Pamela Gilmour, Registered Representative and Financial Advisor of Park Avenue Securities, LLC (PAS), 954 Ridgebrook Road, Suite 300, Sparks, MD 21152. Securities products/services and advisory services are offered through PAS, a registered broker-dealer and investment advisor, (410)828-5400. The financial representatives of Financial Fitness are not licensed to sell securities or insurance in all 50 states. To find out if an agent is licensed in your state, please contact Stephen Norris at (410) 929-7250. Financial Representative, The Guardian Life Insurance Company of America (Guardian), New York, New York. PAS is an indirect, wholly-owned subsidiary of Guardian. Financial Fitness is not an affiliate or subsidiary of PAS or Guardian. York. PAS is an indirect, wholly-owned subsidiary of Guardian. Financial Fitness is not an affiliate or subsidiary of PAS or Guardian. Guardian, its subsidiaries, agents or employees do not provide tax or legal advice. You should consult your tax or legal advisor regarding your individual situation. 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.

Links to other sites are for your convenience in locating related information and services. This Agency, The Guardian Life Insurance Company of America (Guardian) and Park Avenue Securities, LLC (PAS) do not maintain these other sites and have no control over the organizations that maintain the sites or the information, products or services these organizations provide. Although this Agency, Guardian and PAS believe that the information from these organizations is reliable, we cannot guarantee its completeness or suitability for any purpose. Accordingly, this Agency, Guardian and PAS expressly disclaim any responsibility for the content, the accuracy of the information or the quality of products or services provided by the organizations that maintain these sites. This Agency, Guardian and PAS do not recommend or endorse these organizations or their products or services in any way. The Living Balance Sheet ® displays the financial holdings identified by the client based upon information and valuations provided directly by the client or by electronic feeds from the client's financial institutions. Valuations provided by electronic feeds reflect the most current information provided by the financial institution as of the date and time noted, but can reflect valuations from an earlier date and time. The Living Balance Sheet® and the Living Balance Sheet® logo are registered service marks of The Guardian Life Insurance Company of America (Guardian), New York, NY. The graphics and text used herein are the exclusive property of Guardian and protected under U.S. and International copyright laws. ©Copyright 2005-2016. The Guardian Life Insurance Company Of America. PAS is a member of FINRA, SIPC *Not practicing for Guardian or any subsidiaries or affiliates thereof.