Disclosure Statement

Jeremy Jeanette is a Registered Representative of Park Avenue Securities LLC (PAS), 920 2nd Avenue South #1100, Minneapolis, MN 55402. Securities products/services offered through PAS, a registered broker-dealer (612-746-2200). Field Representative, The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is an indirect, wholly owned subsidiary of Guardian. Cartier Financial is not an affiliate or subsidiary of PAS or Guardian. PAS is a member of FINRA, SIPC.

The following products/services are not underwritten by The Guardian Life Insurance Company of America: Property & Casualty Insurance, Liability Insurance, Individual Health and Individual Dental Insurance.

Disability Income and Long Term Care Insurance are 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, or provided by Guardian. Products not available in all states. Product provisions and features may vary from state to state.

Jeremy Jeannette is licensed to conduct insurance business in Minnesota, Wisconsin, South Dakota and Michigan.

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