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FINRA Broker Check Check the background of Carl Lutz or Matthew Collins, 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 an indirect, 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 Disclosures 2020-109975 (Exp.10/22)

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