IRA Holiday Gift Disclosure

Securities products and advisory services offered through Park Avenue Securities LLC (PAS), member FINRA,SIPC.  OSJ: 10900 Wayzata Blvd Suite 730, Minnetonka, MN 55305. PAS is a wholly owned subsidiary of The Guardian Life Insurance Company of America® (Guardian), New York, NY. Hegland Mainz Financial is not an affiliate or subsidiary of PAS or Guardian. 9157455.1 Exp 12/26