The Living Balance Sheet® and logo is a registered trademark of The Guardian Life Insurance Company of America (Guardian), New York, NY.  Patent pending.  
The trademark The Living Balance Sheet and the content and graphics in this [brochure] which relate or refer to The Living Balance Sheet system are used under license from Guardian.

Registered Representative and Financial Advisor of Park Avenue Securities, LLC (PAS), 800 Westchester Ave. (N-409), Rye Brook, NY 10573. (914) 288-8800. Securities products/services and advisory services are offered through PAS, a registered broker/dealer and investment advisor. Field Representative, The Guardian Life insurance Company of America (Guardian), New York, NY. PAS is an indirect wholly owned subsidiary of Guardian. Opus Advisory Group, LLC, is not an affiliate or subsidiary of PAS or Guardian.

YourPFOsm and Opus Advisory are not registered investment advisors and none of their services should be construed as investment advisory services.
Guardian, PAS and the representative do not provide tax advice or services.

The financial representatives of Opus Advisory Group are not licensed to sell insurance in all 50 sates. To find out if an agent is licensed in your state, please contact Marc Fischer at (914) 825-1007

All information and data obtained by yourPFO is provided by sources external to yourPFO. yourPFO is not affiliated with or endorsed by the Guardian Life Insurance Company, Park Avenue Securities LLC or any subsidiary or affiliate thereof. All account values and other data provided as part of a yourPFO report, reflect those values and data provided by external sources. While every effort will be made by yourPFO to ensure reports accurately reflect the data received, there can be no assurance of 100% accuracy and as such, you should always rely upon the data received from its direct source.

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 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.

PAS is a member of FINRA and SIPC.

Disability income insurance 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.

Copyright © 2003 The OPUS Advisory Group. All rights reserved. The Opus Advisory Group, LLC is not registered as an Investment Advisor.
All securities products/services and advisory services are offered through Park Avenue Securities (PAS), a registered broker-dealer and investment advisor.email us at
info@opusadvisory.com or call (914) 825-1000