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Happy New Year 2021

Woman speaking to a small assemblage from a podium. Father and small son standing in shallow river, catching and examining small fish in a net. Man with one artificial leg on a training run at a track.

Young woman rolling on floor happily with her golden retriever. Joyful older couple enjoying an afternoon jog. Older woman wearing a mask and enjoying a peaceful view looks out ahead. This year, anything is possible.

Couple embracing on a sunny morning. Young woman embracing a young man; in her hand are what appear to be a new set of keys. Elderly grandfather lifting young boy on a piggy-back ride.

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Certified Financial Services

Office: 917.623.4321

Office: 201.843.7700

52 Forest Avenue

Paramus, NJ 07652

Series 7, 66

lmoskowitz@cfsllc.com

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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

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Securities products and advisory services offered through Park Avenue Securities LLC (PAS), member FINRA,SIPC. OSJ: 52 Forest Avenue, Paramus, New Jersey 07652, ph# 201.843.7700. PAS is a wholly owned subsidiary of The Guardian Life Insurance Company of America® (Guardian), New York, NY. Certified Financial Services is not an affiliate or subsidiary of PAS or Guardian.

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2020-98762 Exp. 4/22