Certified Financial Services, LLC is an Agency of The Guardian Life Insurance Company of America (Guardian), New York, NY. Securities products and services and advisory services offered through Park Avenue Securities, LLC (PAS), member FINRA, SIPC. OSJ: 52 Forest Ave, Paramus, NJ 07652 phone 201-843-7700. PAS is an indirect, wholly-owned subsidiary of Guardian. Certified Financial Services, LLC is not an affiliate or subsidiary of PAS or Guardian.