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hrivera@fhfg.com

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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