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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

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Park Avenue Securities Form CRS

Securities products and advisory services offered through Park Avenue Securities LLC (PAS), member FINRA,SIPC. PAS is a wholly-owned subsidiary of The Guardian Life Insurance Company of America^® (Guardian), New York, NY. Patel & Sciabica Financial Group LLC is not an affiliate or subsidiary of PAS or Guardian.

This material is intended for general use. By providing this content The Guardian Life Insurance Company of America and your financial representative are not undertaking to provide advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity.

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