We strive to build meaningful relationships with our clients and within our communities. We listen and we are intentional. Our approach is thoughtful and consistent. For over 120 years, our firm has worked to help our clients build wealth, protect their assets, and provide flexibility when they need it most and for what is important to them. We care about our communities, supporting local causes as a firm and as individuals wanting to make a difference. Ashford Advisors is an Agency of The Guardian Life Insurance Company of America® (Guardian), New York, NY. Securities products and advisory services offered through Park Avenue Securities LLC (PAS), member FINRA, SIPC. OSJ:900 Ashwood Parkway, Suite 400 Atlanta, GA 30338 PAS is a wholly-owned subsidiary of Guardian, 770.390.2600. This firm is not an affiliate or subsidiary of PAS. Ashford Advisors is not registered in any state or with the U.S. Securities and Exchange Commission as a Registered Investment Advisor. 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. Links to external 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 sites, organizations, products, or services and make no representation as to the completeness, suitability, or quality thereof. This material is intended for general use. By providing this content, PAS and your financial representative are not undertaking to provide investment advice or make a recommendation for any specific individual or situation, or to otherwise act in a fiduciary capacity. Please contact a financial representative for guidance and information that is specific to your individual situation. 2024-168824 exp 02/2026