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Office: (646) 561-9831

535 5th Avenue 13th Floor

New York, NY 10017

michael.librett@lfgpwa.com

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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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Copyright 2026 FMG Suite.

Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. LFG Private Wealth Advisors, LLC is not an affiliate or subsidiary of PAS or Guardian. LFG Private Wealth Advisors, LLC is not registered in any state or with the U.S. Securities and Exchange Commission as a Registered Investment Advisor. Michael Librett CA Insurance License Number - 4360246.

Elisabeth Goldberg and Andrew Ciampichini are Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 200 BROADHOLLOW ROAD, SUITE 405, MELVILLE NY, 11747, 631-5895400. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Forest Hills Financial Group is not an affiliate or subsidiary of PAS or Guardian. Elise Goldberg: CA Insurance License Number - 4432384.

Andrew Ciampichini CA License Number: 4432386

Advisory services do not include legal or tax advice. Guardian, its subsidiaries, agents and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation.

The Living Balance Sheet® (LBS) and the LBS Logo are service marks of Guardian. © Copyright 2005-2026 Guardian.

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