About Certified Financial Services Our Presence in the Community as of December 31, 20181: At CFS, we are proud to work with over 26,5562 clientsHelping clients protect what matters mostLife insurance coverage in force $15,000,560,811Number of life insurance policies in force 24,797Income protection in force $60,853,244Number of disability income policies in force 10,438Providing value to our clients and their familiesClient policy and account values1 $2,448,459,113Dividends to whole life policyholders4 $37,813,286Fulfilling promises for our clients and their familiesLife insurance benefits (claims) paid5 $50,152,873Disability benefits (claims) paid5 $9,716,623 Certified Financial Services is devoted to helping individuals, families and small business owners achieve their financial goals. While the world is constantly changing, it is comforting to know some things stay the same; that we can rely on each other. We understand that each member of this community has important goals - some financial, others personal - and at the core, our goals begin and end with a focus on the people who matter most in our lives. We start by discussing "what's possible" and take you all the way to "it's happening and I know I'm prepared." Protecting our families, planning for the future and having the confidence to know that no matter what life may have in store, we are prepared. Family As life gets in the way, your family should always remain your top priority. Ensure that you have strategies set in place for every life event – both expected and unexpected. Protection When we meet with you, our first concern is to establish all your possibilities of gaining the most optimal protection to keep your life moving in the right direction. Community Our strong presence in the community is important as we engage with people surrounding us. We learn the kinds the services people need so we can offer the most valuable and effective solutions. 1Reflects all in force policies and contracts serviced by this agency as of 12/31/17. 2Includes owners of in force life, disability income, long term care, policies as well as all securities accounts. 3Represents in force cash values for life insurance, and market values of all securities accounts (except investment sponsors that are not contracted with Albridge and investments that have not cleared through Pershing as of 12/31/17). Market values of securities accounts are subject to significant changes due to market conditions. The values provided should not be used in making a determination on the quality of services provided by representatives of this agency. 4Represents Dividends paid in 2017 on Whole Life policies, excluding closed and surrendered policies.5Represents all Life and Disability claims paid in 2017. - Dividends are not guaranteed. They are declared annually by Guardian’s Board of Directors. - Financial information concerning The Guardian Life Insurance Company of America as of December 31, 2017 on a statutory basis: Admitted Assets = $55.6 Billion; Liabilities = $48.9 Billion (including $41.8 Billion of Reserves); and Surplus = $6.7 Billion. Securities products and advisory services offered through Park Avenue Securities, LLC (PAS), member FINRA, SIPC. 7 Hanover Square New York, NY 10004 888-600-4667. PAS is an indirect, wholly-owned subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY. Certified Financial Services LLC is not an affiliate or subsidiary of PAS or Guardian.Certified Financial Services, LLC is not registered in any state or with the U.S. Securities and Exchange Commission as a Registered Investment Advisor.