Howley Financial Group
DISCLOSURE

1 Securities products/services and advisory services offered through Park Avenue Securities LLC (PAS), 1150 Raritan Rd.,
Cranford, NJ, 908-709-0020. PAS is an indirect wholly-owned subsidiary of Guardian. Northeast Planning Corporation
is not an affiliate or subsidiary of PAS or Guardian.

2 PAS is a member FINRA / SIPC.

3 Disability Income products underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a
wholly-owned stock subsidiary of The Guardian Life Insurance Company of America, New York, NY Products not available
in all states. Product provisions and features may vary from state to state.

4 Individual medical insurance not underwritten by The Guardian Life Insurance Company of America.

5 Neither Park Avenue Securities, Guardian, nor their representatives render legal or tax advice.

The Living Balance Sheet® and the Living Balance Sheet® Logo are registered service marks of The Guardian Life Insurance Company of America (Guardian), New York, NY. The graphics and text used herein are the exclusive property of Guardian and protected under U.S. and International copyright laws. © Copyright 2005-2012, The Guardian Life Insurance Company of America.

Howley Financial Group is an agent of The Guardian Life Insurance Company of America, New York, NY.

Guardian, its subsidiaries, agents or employees do not give tax or legal advice. You should consult your tax or legal advisor regarding your individual situation.

Links to other sites are for your convenience in locating related information and services. This Agency, The Guardian Life Insurance Company of America (Guardian) and Park Avenue Securities, LLC (PAS) do not maintain these other sites and have no control over the organizations that maintain the sites or the information, products or services these organizations provide. Although this Agency, Guardian and PAS believe that the information from these organizations is reliable, we cannot guarantee its completeness or suitability for any purpose. Accordingly, this Agency, Guardian and PAS expressly disclaim any responsibility for the content, the accuracy of the information or the quality of products or services provided by the organizations that maintain these sites. This Agency, Guardian and PAS do not recommend or endorse these organizations or their products or services in any way.

Financial Representative of The Guardian Life Insurance Company of America, New York, NY. OR Howley Financial Group is an agent of The Guardian Life Insurance Company of America, New York, NY.

The representatives present in the videos on this website are registered representatives of Park Avenue Securities.

Check the background of our investment professionals on FINRA's BrokerCheck.

This material is intended for general public use. By providing this material, we are not undertaking to provide investment advice for any specific individual or situation, or to otherwise act in a fiduciary capacity. Please contact one of our financial professionals for guidance and information specific to your individual situation. 2017-37562 Exp 3/19