Disclaimer

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 2005-2014, The Guardian Life Insurance Company of America.

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

Guardian, its subsidiaries, agents, and employees do not endorse or have any direct or indirect responsibility with respect to the activities of the Opus Foundation or Healthcare Benefit Services.

The Opus CenterpointTM 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 states. To find out if an agent is licensed in your state, please contact Zach Rolewicz at (914) 825-1007

The registered representatives of Opus Advisory Group are not licensed to sell securities in all 50 states. To find out if a registered representative is licensed in your state, please contact Zach Rolewicz at (914) 825-1007

All information and data obtained by The Opus CenterpointTM is provided by sources external to The Opus CenterpointTM. The Opus CenterpointTM 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 The Opus CenterpointTM report, reflect those values and data provided by external sources. While every effort will be made by The Opus CenterpointTM 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.

2017-38927 Expires: 4/19

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 are not available in all states. Product provisions and features may vary from state to state.

Copyright © 2017 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