Ivan Mercer is a financial advisor with Guardian Life and Park Avenue Securities, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. He has worked at both Guardian Life Insurance Company and Park Avenue Securities since 2015. Mercer serves on the board of directors for the Whitney Ranch Community Association. Park Avenue Securities LLC, a wholly owned subsidiary of The Guardian Life Insurance Company of America, provides brokerage services, financial planning, retirement plan consulting, and investment advisory programs to individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers both discretionary and non-discretionary advisory relationships with access to model portfolios and digital advisory solutions.

Alexander Singelyn is a financial advisor at Guardian Life with Series 66 credentials and one year of industry experience. He previously worked at Park Avenue Securities and has a background that includes attending the University of California, Davis. Singelyn also participated in collegiate women's beach volleyball during 2021-2022. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management and a subsidiary of The Guardian Life Insurance Company of America, provides brokerage services, financial planning, and retirement consulting to individuals, pension plans, charitable organizations, and corporate clients. The firm offers a mix of proprietary and third-party investment advisory programs with both discretionary and non-discretionary options.

Adam Lane is a Series 66-licensed financial advisor with Primerica Advisors and currently affiliated with Park Avenue Securities. He has over one year of experience in the financial services industry, including roles at Guardian Life Insurance Company, San Diego County Credit Union, and Thinkwise Credit Union. Prior to his advisory career, he spent 12 years at Twin Peaks Auto Service. Park Avenue Securities serves a broad retail client base with both brokerage and advisory services, offering financial planning, retirement-plan consulting, and business consulting. The firm employs a mix of proprietary and third-party investment strategies and supports various account-level services including lending solutions and donor-advised funds.

Nisha Brushaber is a financial advisor at Guardian Life and is affiliated with Park Avenue Securities, holding a Series 66 designation with four years of industry experience. Her prior work includes roles at Strategic Wealth Partners and Guardian Life Insurance Company. She is also involved with Youth Entertainment Sports Inc., a non-investment-related business. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and advisory services to individuals, retirement plans, charitable organizations, and corporations. The firm offers a range of investment advisory programs and financial planning services, including discretionary and non-discretionary portfolios managed in-house or through third-party strategists.

Ryan Bachman is a financial advisor with Guardian Life and Park Avenue Securities, holding Series 65 and Series 63 licenses with three years of industry experience. His background includes eight years of service in the United States Army. He is also a member of the New York National Guard and provides insurance services outside of Guardian Life. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a broker-dealer and SEC-registered investment adviser serving individuals, pension plans, charitable organizations, and corporate clients with brokerage, financial planning, retirement consulting, and a range of investment advisory programs.

Winston Stearns is a financial advisor at Guardian Life with a Series 66 credential and one year of industry experience. Prior to joining Guardian Life and its subsidiary Park Avenue Securities, he was self-employed for a year and has held various roles including coaching youth volleyball clubs and teaching line dance. Outside of finance, he teaches line dance at a local lodge. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, serves individuals, pension plans, charitable organizations, and corporations with brokerage services, financial planning, and advisory programs that include both proprietary and third-party strategies.

Nicholas Brehmer is a financial advisor with Guardian Life and holds Series 66 and Series 63 licenses. He has 18 years of industry experience, including 14 years at Churchill Management prior to joining Guardian Life and Park Avenue Securities. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a dually registered broker-dealer and SEC-registered investment adviser owned by The Guardian Life Insurance Company of America. The firm serves individuals, pension plans, charitable organizations, and corporate clients with brokerage services, financial planning, retirement consulting, and a combination of proprietary and third-party investment advisory programs.

Brian Palkowitsh is a financial advisor with Primerica Advisors in Hollywood, FL, holding Series 63, 65, and 66 licenses and bringing 27 years of industry experience. His prior roles include positions at Guardian Life Insurance Company, Park Avenue Securities, Ameriprise Financial Services, and Nancy Paul Company. He is actively involved with Rotary International and serves as Treasurer and Board Member of the Rotary Club of Ft Lauderdale/Cypress Creek. His current firm, Park Avenue Securities LLC, serves a diverse client base including individual investors, corporate clients, and retirement plans through both brokerage and advisory channels, offering a range of proprietary programs and third-party solutions with discretionary and non-discretionary management options.

Peter Foster is a financial advisor with Primerica Advisors in Santa Rosa, CA, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Primerica Advisors and Guardian Life Insurance Co since 2001. Outside of his advisory role, Foster is involved in term life insurance sales with multiple carriers and manages a vacation timeshare rental business. Primerica Advisors serves a broad retail client base, offering both brokerage and advisory services, including financial and retirement planning. The firm employs a mix of proprietary and third-party investment strategies and supports a range of account-level services.

Lee Fortenberry is a financial advisor at Guardian Life with 34 years of industry experience. He holds the CFP® and ChFC® designations and has previously worked at Northwestern Mutual and Park Avenue Securities. Outside of his advisory role, he serves as an adjunct professor at Shippensburg University and works as a golf course starter in Gettysburg, PA. Park Avenue Securities LLC, a wholly owned subsidiary of The Guardian Life Insurance Company of America, provides brokerage and advisory services to individuals, pension plans, charitable organizations, and corporate clients. The firm offers a range of investment programs including proprietary and third-party strategies, with advisory options that can be discretionary or non-discretionary.

Buna Cumbie II is a financial advisor with Primerica Advisors in Columbia, MD, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 56 years of industry experience, including over 27 years with Primerica Advisors and an ongoing association with Guardian Life Insurance Co. of America since 1987. Outside of his primary roles, he occasionally sells insurance policies with companies other than Guardian. Primerica Advisors is part of Park Avenue Securities LLC, which serves a diverse retail client base including individual, high-net-worth, charitable, and corporate clients. The firm offers both brokerage and advisory services, utilizing a combination of proprietary and third-party investment strategies, and supports a range of account-level services such as lending solutions and donor-advised funds.

Gregory Eckl is a financial advisor with Guardian Life and Park Avenue Securities, holding a Series 66 credential and nine years of industry experience. He has been with Guardian Life since 2015 and Park Avenue Securities since 2023. Outside of his advisory work, he leads an annual battlefield tour in Gettysburg and serves on the Board of Advisors at Siena University. Park Avenue Securities LLC, a subsidiary of Guardian Life, provides brokerage and advisory services to individuals, pension plans, charitable organizations, and corporate clients, offering both discretionary and non-discretionary investment management through proprietary and third-party models.

Sara Letourneau is a Series 66 licensed financial advisor with one year of industry experience, currently affiliated with Primerica Advisors in Needham, MA. Her prior work includes roles at Guardian Life Insurance, Park Avenue Securities, and The Bulfinch Group. Primerica Advisors serves a broad retail client base with both transaction-based brokerage and fee-based advisory services, offering financial planning, retirement-plan consulting, and multiple proprietary and third-party investment programs.

Nathan Lopes is a financial advisor with Guardian Life and holds a Series 66 designation. He has one year of industry experience and has also worked at Park Avenue Securities. Prior to his advisory roles, he worked in education at Chapman University and Marin Academy High School. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management and a subsidiary of The Guardian Life Insurance Company of America, provides brokerage services, financial planning, and investment advisory programs to individuals, pension and profit-sharing plans, charitable organizations, and corporate clients.

Ramon Brown is a financial advisor at Guardian Life with two years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Park Avenue Securities, Guardian Life Insurance Company, US Consulting Group, Inc., and AGI Inc. Outside of advising, he is involved in real property appraisal and rental property investment. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management and a subsidiary of The Guardian Life Insurance Company of America, serves individuals, pension and profit-sharing plans, charitable organizations, and corporate clients with a range of brokerage, financial planning, and investment advisory services. The firm offers both discretionary and non-discretionary advisory relationships using model portfolios from in-house and third-party managers, along with a hybrid digital advisory solution.

Timothy Garcia is a financial advisor at Guardian Life with five years of industry experience. He holds a Series 66 designation and previously worked at CUSO Financial Services, MML Investors Services, and MassMutual Life Insurance Company. Guardian Life’s subsidiary, Park Avenue Securities LLC, provides brokerage, financial planning, and retirement consulting services to individuals, pension plans, charitable organizations, and corporate clients, offering a range of advisory programs that include proprietary and third-party model portfolios.

Sandra Handler is a financial advisor with Primerica Advisors and holds the ChFC® designation along with Series 63 and Series 65 licenses. She has 32 years of industry experience, including roles at Park Avenue Securities and Guardian Life Insurance. Outside of her advisory work, she is involved in insurance activities beyond Guardian and serves as a power of attorney for her mother. Park Avenue Securities LLC serves a broad retail client base, offering both brokerage and advisory services alongside financial planning and business consulting. The firm employs a range of investment strategies through proprietary and third-party portfolios and supports various account-level services such as lending solutions and donor-advised funds.

Jeffrey Howard is a ChFC® with over 36 years of experience in the financial services industry. He has been with Primerica Advisors since 1999 and is also affiliated with Guardian Life Insurance Co of America. Based in Charlotte, NC, he has a long-standing career that includes ownership and management of several real estate investment entities. Primerica Advisors operates as part of Park Avenue Securities LLC, serving a broad retail client base with both brokerage and advisory services. The firm offers a range of investment programs and financial planning solutions, utilizing proprietary and third-party strategies to manage approximately $15 billion in assets.

Darby Minnick is a financial advisor with Primerica Advisors in Bozeman, MT, holding a ChFC® designation and Series 63 license. He has 44 years of industry experience, including over 27 years with Primerica Advisors and Guardian Life Insurance Co. of America. Minnick is also a published author of the book *The Team Approach*, available through online retailers. Primerica Advisors serves a broad retail client base with both brokerage and advisory services, offering financial planning, retirement-plan consulting, and business consulting. The firm employs a range of investment strategies through proprietary and third-party managers and supports various account-level services including lending solutions and donor-advised fund options.

Asa Rowlett is a financial advisor with Guardian Life in Lake Oswego, OR, holding Series 65 and Series 63 credentials and one year of industry experience. Prior to joining Guardian Life and its subsidiary Park Avenue Securities, he operated Asa Rowlett LLC for 11 years. He is also involved in a non-investment business consulting activity under P&C Business Consulting. Park Avenue Wealth Management, a wholly owned subsidiary of The Guardian Life Insurance Company of America, serves a diverse client base including individuals, pension plans, and charitable organizations. The firm offers brokerage services, financial planning, retirement consulting, and both proprietary and third-party investment advisory programs.