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Certified Financial Services

Office: 201 843 7700

Fax: 201 843 6333

52 Forest Avenue

Paramus, NJ 07652

cfsllc-info@cfsllc.com

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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.

We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information.

Certified Financial Services is an Agency of The Guardian Life Insurance Company of America (Guardian), New York, NY. Securities product and advisory services offered through Park Avenue Securities, LLC. (PAS), member FINRA, SIPC. OSJ: 52 Forest Ave., Paramus, NJ 07652. 201-843-7700. PAS is a wholly owned subsidiary of The Guardian Life Insurance Company of America® (Guardian), New York, NY. Certified Financial Services is not an affiliate or subsidiary of PAS or Guardian.

This material is intended for general public use. By providing this material, Certified Financial Services LLC is not undertaking to provide investment advice for any specific individual or situation, or to otherwise act in a fiduciary capacity. Please contact a financial professional for guidance and information specific to your individual situation.

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2020-111039 Exp 10/22