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 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 or insurance product. The information contained herein is directed solely to those individuals who reside in jurisdictions in which a representative of First Financial Group 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.

The information on this site is intended for the residents of Delaware (DE), District of Columbia (DC), Maryland (MD), Pennsylvania (PA), Virginia (VA), and West Virginia (WV). The representatives of First Financial Group are not licensed to sell insurance in all 50 states. To find out if a representative is licensed in your state, please contact our office at 301-907-9030.

The information on this site is intended for the residents of DE, DC, MD, PA, VA, and WV. There are representatives of First Financial Group licensed to sell investment and insurance products in the above states and many of the other 44 states. To find out if a representative is licensed in your state, please contact our office at 301-907-9030.

First Financial Group is an agency of The Guardian Life Insurance Company of America, New York, N.Y.

Securities products and services offered through Park Avenue Securities, LLC (PAS), 7101 Wisconsin Avenue, Suite 1200, Bethesda, MD 20814, 301-907-9030. PAS is a registered investment advisor and broker/dealer. First Financial Group is not an affiliate or subsidiary of PAS or Guardian.

Securities products and services offered through Park Avenue Securities, LLC (PAS), 7101 Wisconsin Avenue, Suite 1200, Bethesda, MD 20814, 301-907-9030.  PAS is a registered investment advisor and broker/dealer. First Financial Group is not an affiliate or subsidiary of PAS.

PAS is a member of FINRA/SIPC.

Neither Park Avenue Securities, Guardian, or their subsidiaries, nor their representatives, agents or employees provide tax or legal advice. Please consult with your attorney, accountant, and/or tax advisor for advice concerning your particular circumstances.

The Living Balance Sheet® and the Living Balance Sheet® Logo are registered service marks of The Guardian Life Insurance Company of America (Guardian), New York, NY. The graphics used herein are the exclusive property of Guardian and protected under U.S. and International copyright laws. ©: Copyright 2005-2012, The Guardian Life Insurance Company of America.

First Financial Group is an agency of The Guardian Life Insurance Company of America, New York, N.Y.

GEAR #2012-7876