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 The Guardian Life Insurance Company of America, Park Avenue Securities LLC, affiliates and/or subsidiaries, and your financial representative are not undertaking to provide advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity. 2022-133747 exp 2/2024