Sandra C. Vizner, CLU 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.


In this regard, this communication is strictly intended for individuals residing in the states of NC, SC, GA, FL, TX 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.

Note regarding external links: Links to other sites are for your convenience in locating related information and services. Lapis Financial Strategies, Inc. (“Lapis”), The Guardian Life Insurance Company of America (“Guardian”) and Park Avenue Securities, LLC (“PAS”) do not maintain these other sites and have no control over the organizations that maintain the sites or the information, products or services these organizations provide. Although Lapis, Guardian and PAS believe that the information from these organizations is reliable, we cannot guarantee its completeness or suitability for any purpose. Accordingly, Lapis, Guardian and PAS expressly disclaim any responsibility for the content, the accuracy of the information or the quality of products or services provided by the organizations that maintain these sites. Lapis, Guardian and PAS do not recommend or endorse these organizations or their products or services in any way.