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FINRA Broker Check Check the background of Carl Lutz, Financial Advisor, on FINRA's BrokerCheck Lutz & Associates | 600 Park Avenue, Rochester, NY 14607 | phone: 585.264.1111 | fax: 585.264.0103 Securities products and services offered through Park Avenue Securities LLC (PAS), member FINRA, /SIPC . OSJ: 600 Delaware Ave., Buffalo NY 14202, 800-777-3411 PAS is a wholly owned subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY. Lutz & Associates is not an affiliate or subsidiary of PAS or Guardian. Important Disclosures2021-120562 Exp. 05/23