Check the background of Carl Lutz, Financial Advisor, on FINRA's BrokerCheck 

Lutz & Associates | 69 Monroe Avenue, Rochester, NY 14534 | phone: 585.264.1111 | fax: 585.264.0103 Securities products and advisory 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 Disclosures

This [material] is intended for general public use. By providing this content, Park Avenue Securities LLC is not undertaking to provide investment advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity.   Please contact a financial representative for guidance and information that is specific to your individual situation. 2022-141276 Exp 7/24