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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

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Securities products and advisory services are offered through Park Avenue Securities LLC (PAS), member FINRA / SIPC . OSJ: 2875 Michelle Dr, Suite 110, Irvine CA, 92606, 909-399-1100. PAS is a wholly owned subsidiary of The Guardian Life Insurance Company of America® (Guardian), New York, NY. Sketchmap Financial Consulting, Investments, & Insurance Services is not an affiliate or subsidiary of PAS or Guardian. Pacific Advisors LLC is not an affiliate or subsidiary of PAS or Guardian. Insurance products offered through One Pacific Financial & Insurance Solutions LLC, DBA of Pacific Advisors LLC. Pacific Advisors LLC is not registered in any state or with the U.S. Securities and Exchange Commission as a Registered Investment Advisor. Client number footnote: Includes owners of in force life, disability income and long-term care insurance policies as well as all securities accounts. CA Insurance License #0K12914.

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