Material discussed is meant for general informational purposes only. The information should be relied upon only when coordinated with individual professional advice. Ivan is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). 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 is a wholly owned subsidiary of Guardian. Opus Private Client LLC is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License Number 0H44206.