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Stephen M. Rice and Jan Hundrieser are Registered Representatives and Financial Advisors of and offer securities products/services and advisory services through Park Avenue Securities LLC (PAS), a registered broker-dealer and investment advisor, 20 Bicentennial Circle, Suite 100, Sacramento, CA 95826, (916) 379-0200. Financial Representatives, The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is an indirect wholly owned subsidiary of Guardian. Rice Financial Consulting Inc. is not an affiliate or subsidiary of PAS or Guardian.

PAS is a member FINRA/SIPC.

The Financial Representatives are licensed to sell securities products in Arizona, California, Colorado, Connecticut, Hawaii, Louisiana, Massachusetts, Oregon, Texas, Virginia, and Washington and the material is strictly intended for individuals residing in those states. No offers may be made or accepted from any resident outside these specified states.

Financial Advisory services can be offered by qualified persons in Arizona, California, Colorado, Connecticut, Hawaii, Louisiana, Massachusetts, Oregon ,Texas, Virginia, and Washington and are strictly intended for individuals residing in those states. No offers may be made or accepted from any resident outside these specified states.

The Financial Representatives are licensed to sell insurance products in Arizona, California, Hawaii, Massachusetts, New Jersey, New York, Texas, and Washington.

The information or opinions contained in this Internet site should not be construed by any consumer and/or prospective client as an offer to sell or the solicitation of an offer to buy any particular investment product. The information contained herein is directed solely to those individuals who reside in jurisdictions in which the representatives are registered in the state where the consumer and/or prospective client reside. Any subsequent direct communication with a consumer and/or prospective client shall only be conducted by a representative that is registered in the state where the consumer and/or prospective client reside.

Neither Guardian, PAS nor its representatives provide tax or legal advice, consult your advisors regarding your specific situation.

Rice Financial Consulting Inc. is not a registered investment advisor and none of their services should be construed as investment advisory services.

The Living Balance Sheet® and the Living Balance Sheet® Logo are registered service marks of The Guardian Life Insurance Company of America (Guardian), New York, NY. The graphics and text used herein are the exclusive property of Guardian and protected under U.S. and International copyright laws. © Copyright 2005-2012, The Guardian Life Insurance Company of America.

The information or opinions contained in this Internet site should not be construed by any consumer and/or prospective client as an offer to sell or the solicitation of an offer to buy any particular investment product. The information contained herein is directed solely to those individuals who reside in jurisdictions in which the representative is registered in the state where the consumer and/or prospective client reside. Any subsequent direct communication with a consumer and/or prospective client shall only be conducted by a representative that is registered in the state where the consumer and/or prospective client reside.