Securities products and services are offered through Registered Representatives of Park Avenue Securities LLC (PAS) 52 Forest Avenue, Paramus, NJ 07652, (201) 843-7700. Certified Financial Services, LLC is not an affiliate or subsidiary of PAS.

PAS is a member FINRA/SIPC.

The Registered Representatives are securities licensed in New Jersey 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.

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 2005-2011, The Guardian Life Insurance Company of America

Neither Guardian, nor its subsidiaries, agents or employees give 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 financial representatives of Certified Financial Services, LLC are not licensed to sell insurance in all 50 states. To find out if an agent is licensed in your state, please contact Craig Feinberg at (201) 843-7700 .