Disclaimer of Warranty and Limitation of Liability

Park Avenue Securities (PAS) is a wholly owned subsidiary of The Guardian Life Insurance Company of America (Guardian). Sedway Financial and Pacific Advisors, Inc. are not affiliates or subsidiary of PAS or Guardian. Insurance Products offered through Pacific Regional Insurance Services, a DBA of Pacific Advisors, Inc. Pacific Advisors, Inc. is not an independent registered investment advisor. OSJ: 333 Indian Hills Blvd, Claremont, CA 91711, Ph: 909-399-1100.. Neither Guardian nor its subsidiaries issue health insurance. We are not licensed to sell insurance or securities in all 50 states. To find out if an agent is licensed in your state, please contact us directly.

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 soley 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.

This Internet site may provide links to other sites for your convenience in locating related information and services. Park Avenue Securities (PAS) does not maintain these other sites and has no control over the organizations that maintain the sites or the information, products or services these organizations provide. PAS cannot make any representations or warranty as to the accuracy, timeliness, suitability, completeness or relevance of any information prepared by any unaffiliated third party, whether linked to this Internet site or incorporated herein and take no responsibility therefore.

Links to other sites are provided for your convenience in locating related information and services. Guardian, its subsidiaries, agents, and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party, or sites, organizations, products, or services, and make no representation as to the completeness, suitability, or quality thereof.

Guardian, its subsidiaries, agents or employees do not give tax or legal advice. You should consult your tax or legal advisor regarding your individual situation.

The information presented on the Sedway Financial website, is intended to serve as a basis for further discussion with your financial, legal, tax and/or accounting advisors. It is not a substitute for competent advice from these advisors. The actual application of some of these concepts may be the practice of law and is the proper responsibility of your attorney.

Sedway Financial does not provide legal or tax advice. The application of other concepts may require the guidance of a tax or accounting advisor. The company and individuals listed below are not authorized to practice law, or do not intend to provide legal advice, are not authorized to provide legal, tax or accounting advice.

Although great effort has been taken to provide accurate data and explanations, and while the sources are deemed reliable, the information contained on the Sedway Financial website should not be relied upon for preparing tax returns or making investments decisions.

This information has neither been audited by, nor verified by the company or individuals listed below and is therefore not guaranteed by them as to its accuracy. Please be advised that any individual situation can vary, as such, this information needs to be coordinated with individual personal advice.

If an analysis is shown, the results are neither guarantees nor projections, and any assumptions as to interest rate, rates of return, inflation and other costs or figures are hypothetical and for illustrative purposes only.

The results of an analysis may differ significantly, depending on the facts assumed. Past performance is not indicative of future results and is not to be taken as guaranteed projections of actual returns from any recommended investment opportunity.