Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 11350 McCormick Rd, Executive Plaza III, Suite 202, Hunt Valley, MD 21031, 667-318-0801. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS and Financial Growth Partners are wholly owned subsidiaries of Guardian. 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. 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.

I offer total financial needs analysis through a network of experienced professionals with expertise in:• Advisory services • Retirement analysis and programs• Estate strategies• Employee benefit and retention services • Business continuation strategies • Trust servicesI provide a broad portfolio of individual life, disability income, long-term care insurance protection, asset accumulation strategies, and financial products and services for high net worth families, businesses, and institutions.

-Managed 60 instructors and build relationships with 600 families annually.-Closed 93% of outside sales, top bonuses each year. -Closed 76% of phone sales #1 in the company.-Presented testing and college selection material to high school administrators, faculty and groups of 200+ families.-Cultivated client relationships.-Researched and target underrepresented markets to focus sales staff.-Created curriculum and direct pro-bono SAT course for under served students in the Baltimore area.

-Recruited, hired and trained part time and full time employees in teaching, presenting, management and sales.-Consistently produced company's top sales, inside and outside.-Taught all aspects of testing curriculum - SAT, ACT, SAT Subject Tests.-Researched and updated SAT and ACT course curricula.-Led college application workshop and counseled families privately.

-Instructed 60-90 students per year part-time in all SAT subjects - reading, math and writing - in a small group setting.-Analyzed student performance, pinpointed weaknesses and generated score improvements.