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Thomas Moore is an agent at Certified Financial Services, which is an agency of The Guardian Life Insurance Company of America® (Guardian), based in New York, NY. This material is intended for general use only. By providing this content, The Guardian Life Insurance Company of America and your financial representative are not offering specific advice or recommendations tailored to any individual or situation, nor are they acting in a fiduciary capacity. The information in this material has been developed from sources that are believed to be accurate. However, it is not intended as tax or legal advice. Please consult qualified legal or tax professionals for guidance regarding your individual circumstances. Some of this material was developed and produced by Thomas Moore to provide information on topics of general interest. The opinions expressed and the information provided are for general informational purposes only and should not be interpreted as a solicitation for the purchase or sale of any securities. We prioritize the protection of your data: the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information.

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