Important Consumer Information: A broker-dealer "BD", investment advisor "IA", a BD agent, or IA Representative may only transact business in a state if first registered in the state, or is excluded or exempt from registration in that state as a broker-dealer, investment advisor, BD agent, or IA Representative, as appropriate. Follow-up individualized responses to persons in a state by such a firm or individual that involves either affecting or attempting to affect transactions in securities, or the rendering of personalized investment advice for compensation will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion. For information concerning the licensing status or disciplinary history of a broker-dealer, investment advisor, BD agent, or IA rep, a consumer should contact his or her state securities law administrator.

This Internet site may contain general information about various investment products. 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. Such information 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.

Disability income products underwritten and issued by Berkshire Life Insurance company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America, New York, NY, or The Guardian Life Insurance Company of America, New York, NY.

CA insurance license #0CO1317. The information on this site is intended for the residents of CA,AZ,CO,FL,ID,NJ,NM,NV,MA,MI,OR,UT,WI and TX. The financial representatives of Pacific Advisors are not licensed to sell insurance in all 50 states. To find out if a financial representative is insurance licensed in your state, please contact Dawn Buirley at (909) 399-1100 ext 217. Insurance products offered through Pacific Regional Insurance Services, an affiliate of Pacific Advisors, Inc.

The Registered Representatives are securities licensed in Arkansas, Arizona, California, Colorado, Florida, Idaho, Indiana, Massachusetts, Maryland, Michigan, New Mexico, Nevada, Ohio, Oregon, Texas, Utah and Wisconsin and the material is strictly intended for individuals residing in those states. No offers may be made or accepted from any resident outside these specified states.

Securities products and services are offered through Registered Representatives of Park Avenue Securities LLC (PAS) 1550 West Colorado Boulevard, Pasadena, CA 91105, (323) 255-8800 / (323) 982-4100. Pacific Advisors is not an affiliate or subsidiary of PAS. Pacific Advisors is not an independent registered investment advisor.

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. GEAR #2008-4224.

Neither Park Avenue Securities, Guardian, nor their representatives render legal or tax advice. Please consult with your attorney, accountant, and/or tax advisor for advice concerning your particular circumstances.

The Living Balance Sheet® and logo are registered trademarks of The Guardian Life Insurance Company of America, New York, NY

PAS is a member of FINRA/SIPC.