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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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Securities products and advisory services offered through Park Avenue Securities LLC (PAS), member FINRA, SIPC. OSJ: 800 WESTCHESTER AVENUE 4TH FLOOR SUITE N409 RYE BROOK, NY 10573, ph# 914.288.8800. PAS is a wholly owned subsidiary of The Guardian Life Insurance Company of America® (Guardian), New York, NY. Integrity Advisors Pension Consultants is not an affiliate or subsidiary of PAS or Guardian. Integrity Advisors Pension Consultants is not registered in any state or with the U.S. Securities and Exchange Commission as a Registered Investment Advisor.

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Integrity Advisors Pension Consultants

Office: 914.288.8858

Fax: 914.705.8138

800 Westchester Avenue

Suite N-409

Rye Brook, NY 10573

mgaglio@integrityadvisor.com