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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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This website is intended for general public use. By providing this content, Park Avenue Securities LLC is not undertaking to provide investment advice or a recommendation for any specific individual or situation, or to otherwise act in a fiduciary capacity. Please contact a financial representative for guidance and information that is specific to your individual situation.

Securities products and services offered through Park Avenue Securities LLC (PAS), member FINRA, /SIPC . OSJ: 122 East 42nd Street, Suite 2200 New York, NY 10168, 646-376-7034

PAS is a wholly owned subsidiary of The Guardian Life Insurance Company of America® (Guardian), New York, NY. Hector Rivera, CFP^® is not an affiliate or subsidiary of PAS or Guardian. California Insurance ID # [ ] (if applicable).

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FMG# 2023-163138 Exp 10/1/2025