¨      Where does all my money go?

¨      How can I get out of debt?

¨      Am I saving enough to retire?

¨      Am I making the right financial decisions?

¨      Do I need a plan?

For nearly a decade we have helped individuals and business owners answer these and other vital questions. We believe education lies at the heart of financial success. We take the time to teach our clients the benefits and costs of each financial product, proven macro-economic financial strategies, and assist them in implementing these strategies so that they can achieve their goals and dreams.

As our client, you will learn how you can maximize your wealth during your lifetime….with the ability for you to enjoy your wealth….with the ability to leave assets in your estate for loved ones or charities….incorporating asset protection in the event of a disability, premature death, or lawsuit, and …reducing or minimizing taxes and financial risk. Contact us now to get started.

Sandra C. Vizner, CLU, RFP is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS), 4201 Congress Street, Suite 350, Charlotte, NC 28209. Securities products/services and advisory services are offered through PAS, a registered broker-dealer and investment advisor, 704-552-8507. Financial Representative, The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is an indirect, wholly owned subsidiary of Guardian. Lapis Financial Strategies, Inc. is not an affiliate or subsidiary of PAS or Guardian.

PAS is a member FINRA, SIPC.

In this regard, this communication is strictly intended for individuals residing in the states of NC, SC, GA, FL and MI. No offers may be made or accepted from any resident outside these specified states.

This Internet site may contain general information about various investment products. The information or opinions contained in this Internet site should not be construed by any consumer and/or prospective client as an offer to sell or the solicitation of an offer to buy any particular investment product. Such information is directed solely to those individuals who reside in jurisdictions in which the representative is registered in the state where the consumer and/or prospective client reside. Any subsequent direct communication with a consumer and/or prospective client shall only be conducted by a representative that is registered in the state where the consumer and/or prospective client reside.

Important Consumer Information: A broker-dealer "BD", investment advisor "IA", a BD agent, or IA Representative may only transact business in a state if first registered in the state, or is excluded or exempt from registration in that state as a broker-dealer, investment advisor, BD agent, or IA Representative, as appropriate. Follow-up individualized responses to persons in a state by such a firm or individual that involves either affecting or attempting to affect transactions in securities, or the rendering of personalized investment advice for compensation will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion. For information concerning the licensing status or disciplinary history of a broker-dealer, investment advisor, BD agent, or IA rep, a consumer should contact his or her state securities law administrator.

The insurance information on this site is intended for the residents of NC, SC, and GA. The representatives of Lapis Financial Strategies, Inc. are not licensed to sell insurance in all 50 states.

PAS, Guardian and the representative do not provide tax or legal advice and/or services. For information on your specific situation, please consult your personal tax or legal advisor.