The Baldwin & Clarke Companies DISCLOSURE STATEMENT The following associates of The Baldwin & Clarke Companies only offer securities, products and services as registered representatives of Park Avenue Securities, LLC (PAS), 7 Hanover Square, New York, NY 10004, 1-888-600-4667. They do not provide securities through Lincoln Financial Securities Corporation or 1stBCCW Capital Corp. The Baldwin & Clarke Companies are not affiliates or subsidiaries of PAS or Guardian. PAS is a member FINRA, SIPC. The Registered Representatives are securities licensed in Colorado, Connecticut, Florida, Georgia, Massachusetts, Maryland, Maine, New Hampshire, New Jersey, New York, Rhode Island, Texas, Vermont, Virginia and Washington and this material is strictly intended for individuals residing in those states. No offers may be made or accepted from any resident outside these specified states. 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. The information contained herein is directed solely to those individuals who reside in jurisdictions in which each representative is registered. 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. Charles H. Baldwin, MBA, CLU®, ChFC®(1) Brian J. Champigny(2) Robert W. Hickok, CLU®, ChFC®, CFP®(2) Ivor J. Anderson, CLU®, ChFC®(3) The following associates of The Baldwin & Clarke Companies only offer securities as registered representatives of Lincoln Financial Securities Corporation (Lincoln Financial) Member FINRA/SIPC, 1 Granite Place, Concord, NH, 03301, 603-226-5000. They do not provide securities through Park Avenue Securities, LLC or 1st BCCW Capital Corp., and do not provide the services offered through Baldwin & Clarke Corporate Finance, Inc. The Baldwin & Clarke Companies are not affiliates or subsidiaries of Lincoln Financial. Michael J. Kennedy, CFP®, CRPC®, CLU®, ChFC®(4) Scott D. LaValley, CFP®, CRPC®, CLU®, ChFC®, MSFS(3) The following associates of The Baldwin & Clarke Companies only offer securities through 1st BCCW Capital Corp., member FINRA, SIPC, 116B South River Road, Suite 102, Bedford, NH 03110, 603-668-4353. They do not provide securities through Park Avenue Securities, LLC or Lincoln Financial Securities Corporation. John J. Clarke, Jr.(1)(2) Sean P. Clarke William S. Conrad Perry Morton Martin H. Imm (1) General Agent of Guardian (2) Field Representative of Guardian (3) Full-Time Agent of Guardian (4) Independent Insurance Broker of Guardian The information on this site is intended for the residents of Arizona, Connecticut, Florida, Massachusetts, Maine, New Hampshire, New Jersey, New York, Pennsylvania, Texas, Vermont, Virginia. The financial representatives of Baldwin & Clarke, LLP are not licensed to sell insurance in all 50 states. To find out if an agent is licensed in your state, contact Scott LaValley at (603)622-0892. Neither Park Avenue Securities, Guardian, nor their representatives render legal or tax advice. Please consult with your attorney, accountant, and/or tax advisor for advice concerning your particular circumstances.