Patrick T. Ross

Managing Partner

763-560-2127

patrick_ross@glic.com

Registered Representative of Park Avenue Securities LLC (PAS). OSJ: 920 2nd Avenue South Suite 1100, Minneapolis MN 55402. 612-746-2200. Securities products offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is an indirect, wholly-owned subsidiary of Guardian. Johnson & Associates, LLC is not an affiliate or subsidiary of PAS or Guardian.

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This material is intended for general public use. By providing this material, Ross/Johnson & Associates is not undertaking to provide investment advice for any specific individual or situation, or to otherwise act in a fiduciary capacity. Securities products and services offered through Park Avenue Securities LLC (PAS), member FINRA, SIPC. OSJ: 920 2nd Avenue South Suite 1100, Minneapolis, MN 55402. 612-746-2200 PAS is an indirect, wholly-owned subsidiary of The Guardian Life Insurance Company of America® (Guardian), New York, NY.

Important Disclosures

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2016-29173 Exp. 09/18