LIFETIME FINANCIAL GROWTH - Key Persons

Job Titles:

• Member of the Board of Directors
• President, Vista Pointe Wealth Solutions, LLC

Job Titles:

• Member of the Board of Directors

Job Titles:

• Member of the Board of Directors
• President, the Growth Group

Job Titles:

• Executive Vice President
• Member of the National Association of Insurance and Financial Advisors
• Registered Principal of Park Avenue Securities

Danielle Swann joined Lifetime Financial Growth Company in 2016. As Executive Vice President, Danielle plays a significant role in shaping the strategic agenda for the enterprise. Danielle has over 20 years in the financial services industry. She began her career with MetLife in 1995, where she held various roles, including Managing Director. She joined Guardian in 2013 as a Regional Vice President and became a General Agent in 2015. Danielle is a current member of the National Association of Insurance and Financial Advisors (NAIFA), the Association for Advanced Life Underwriting (AALU), and GAMA International. Danielle holds a B.S. Degree in Business Administration and Management and a Master's Degree in Business Administration (MBA) from Youngstown State University. Outside of the office, Danielle enjoys spending time with her family and friends; she also loves practicing Pilates, and playing golf. Danielle Swann is a Registered Principal of Park Avenue Securities (PAS). OSJ: 29800 Telegraph Road; Southfield, MI 48034. Phone: (248) 647-6523. Securities products offered through PAS, member FINRA, SIPC. Ms. Swann also serves as a General Agent of The Guardian Life Insurance Company of America® (Guardian) New York, NY. PAS is a wholly owned subsidiary of Guardian. Lifetime Financial Growth LLC is not an affiliate or subsidiary of PAS or Guardian and is not registered in any state or with the U.S. Securities and Exchange Commission as a Registered Investment Advisor.

Job Titles:

• CEO
• Chairman of the Board
• General Agent of the Guardian Life Insurance Company of America® ( Guardian ) New York

Earl Luttner is a General Agent of The Guardian Life Insurance Company of America® (Guardian) New York, NY. Luttner Financial Group and Lifetime Financial Growth LLC are not affiliates or subsidiaries of Guardian and are not registered in any state or with the U.S. Securities and Exchange Commission as a Registered Investment Advisor.

Job Titles:

• Member of the Board of Directors

Job Titles:

• Chief Financial Officer
• Registered Representative and Financial Advisor of Park Avenue Securities

Eric Startare is the Chief Financial Officer of Lifetime Financial Growth, LLC. As CFO, Eric is responsible for providing financial projections and accounting services; preparing growth plans; monitoring financial performance by measuring and analyzing results; and establishing finance operational strategies. Eric brings to LFG ten plus years of experience working with businesses in a wide range of industries (investment advisory, professional services, real estate, construction contracting, manufacturing, and nonprofit organizations). Prior to joining LFG, he was a manager at the Pittsburgh-area certified public accounting firm of Stelmack Dobransky & Eannace, LLC. Eric's expertise in the areas of financial statement reporting (audited, reviewed and compiled), tax reporting (business and individual), internal controls, and compliance reporting, combined with knowledge of a myriad of business transactions provides LFG with strong financial leadership. Eric Startare is a Registered Representative and Financial Advisor of Park Avenue Securities (PAS). OSJ: 244 Boulevard of the Allies; Pittsburgh, PA 15222. Phone: (412) 391-6700. Securities products and advisory services offered through PAS, member FINRA, SIPC. Lifetime Financial Growth LLC is not an affiliate or subsidiary of PAS and is not registered in any state or with the U.S. Securities and Exchange Commission as a Registered Investment Advisor. *Not practicing for Guardian or any subsidiaries or affiliates thereof.

Job Titles:

• President of Lifetime Financial Growth of Michigan, LLC
• Registered Principal of Park Avenue Securities

As the President of Lifetime Financial Growth of Michigan, LLC, Greg leads entrepreneurial-minded individuals helping them build a successful business in financial services. Greg was formerly the VP of Growth and Development for Michigan. Prior to stepping into that role Greg was a partner in one of Guardian's largest brokerage disability and life practices. Greg started his career in the insurance and financial services industry right out of college in 2004. He's third generation following in the footsteps of his grandfather, and father. Greg understands the importance of giving back and served as President of NAIFA Greater Detroit (2012-2013) and NAIFA Michigan (2018-2019). Greg is married to Jennesa and has four children. Natalie, Emery, Brooks and Cal. Outside of growing his career and family, his interests include golf, boating, downhill skiing, hockey, basically anything outdoors. Greg's family are members of Kensington Church. Greg holds a Life & Health license, series 6, 63, 7, and 24. Greg Kreiner is a Registered Principal of Park Avenue Securities (PAS). OSJ: 29800 Telegraph Road; Southfield, MI 48034. Phone: (248) 647-6523. Securities products offered through PAS, member FINRA, SIPC. Mr. Kreiner is also a General Agent of The Guardian Life Insurance Company of America® (Guardian) New York, NY. PAS is a wholly owned subsidiary of Guardian. Lifetime Financial Growth LLC is not an affiliate or subsidiary of PAS or Guardian and is not registered in any state or with the U.S. Securities and Exchange Commission as a Registered Investment Advisor.

Job Titles:

• Registered Representative of Park Avenue Securities

Jim Schepis has been helping individuals and teams transition into the financial services space for 30+ years. He joined Lifetime Financial Growth (LFG) in 2003 and has been part of the Guardian network for the past 15+ years. Prior to joining LFG, Jim filled numerous roles at General American Life Insurance Company from 1989 through 2003. Ultimately, he served as an Officer at General American and its' acquiring company, MetLife. Jim began his career in 1983 with Northwestern Mutual, immediately upon graduation from Duquesne University. James Schepis is a Registered Representative of Park Avenue Securities (PAS). OSJ: 244 Boulevard of the Allies; Pittsburgh, PA 15222. Phone: (412) 391-6700. Securities products offered through PAS, member FINRA, SIPC. Mr. Schepis is also a Financial Representative of The Guardian Life Insurance Company of America® (Guardian) New York, NY. PAS is a wholly owned subsidiary of Guardian. Lifetime Financial Growth LLC is not an affiliate or subsidiary of PAS or Guardian and is not registered in any state or with the U.S. Securities and Exchange Commission as a Registered Investment Advisor.

Job Titles:

• Member of the Board of Directors
• Chairman of the Board, Highland Tank & Manufacturing Company

Job Titles:

• Chief Operating Officer
• Secretary of the Board

MaryLou Rodgers joined Lifetime Financial Growth Company in 2005. As Chief Operating Officer, MaryLou is responsible for the day-to-day operations of the regional firm with particular emphasis in FR contract management. Prior to joining LFG, MaryLou was the Chief of Staff of the National Drug Intelligence Center (NDIC) which is an independent component of the Department of Justice whose mission was to provide strategic drug intelligence to the nation's senior-level policymakers and to provide investigative support services to law enforcement worldwide. As Chief of Staff, MaryLou served as the Director's top advisor on strategic, operational, technical and administrative matters overseeing 350+ employees and a $40 million annual budget. MaryLou was responsible for presenting the Agency's mission and capabilities to the Attorney General of the United States, the Drug Enforcement Administrator, the FBI Director, and high-ranking domestic and foreign officials. Since joining LFG in 2005, she has been instrumental in upgrading all of the firm's financial systems while providing invaluable contract management information and guidance to our representatives. MaryLou holds a B.S. Degree in Applied Mathematics from the University of Pittsburgh at Greensburg and a master's degree in Business Administration (MBA) from the University of Pittsburgh's Katz Graduate School of Business. She is a graduate of Harvard Business School's Senior Executive Fellows Program. MaryLou Rodgers is a Registered Principal and Financial Advisor of Park Avenue Securities (PAS). OSJ: 244 Boulevard of the Allies; Pittsburgh, PA 15222. Phone: (412) 391-6700. Securities products and advisory services offered through PAS, member FINRA, SIPC. Ms. Rodgers also serves as a General Agent of The Guardian Life Insurance Company of America® (Guardian) New York, NY. PAS is a wholly owned subsidiary of Guardian. Lifetime Financial Growth LLC is not an affiliate or subsidiary of PAS or Guardian and is not registered in any state or with the U.S. Securities and Exchange Commission as a Registered Investment Advisor. CA Insurance License ID #0J11833

Job Titles:

• Member of the Board of Directors
• Registered Principal and Financial Advisor of Park Avenue Securities

Matthew W. Roddy entered the Financial Services Industry with Metropolitan Life shortly after obtaining his Bachelor of Science degree from the University of Dayton. In 1995, he joined Capital Planners, Inc., a Lifetime Financial Growth Company. Due to his leadership and organizational skills, he became the managing director of the Cleveland-based firm in 2006. In 2019 became President, enterprise-wide of Lifetime Financial Growth. His career achievements include qualifying for the Guardian Life Insurance Company of America's (Guardian) President's Council and for Guardian Life's Leaders Conference every year since his affiliation with the firm in 1995. In addition, he has qualified for both the National Sales Achievement Award and the National Quality Award. These awards are given exclusively to professionals who maintain a proven track record of superior sales production levels, while demonstrating the highest degree of professionalism. Because of his performance, he was selected to serve on the Executive Committee for Guardian as field representation. Matt, a graduate of Gilmour Academy, has vigorously continued his educational and professional developmental endeavors. He has participated in extensive studies in the areas of Estate Planning and Business Continuation Planning. Matthew Roddy is a Registered Principal and Financial Advisor of Park Avenue Securities (PAS). OSJ: 24500 Chagrin Blvd. #200; Beachwood, OH 44122. Phone: (216) 360-7400. Securities products and advisory services offered through PAS, member FINRA, SIPC. Mr. Roddy also serves as a General Agent of The Guardian Life Insurance Company of America® (Guardian) New York, NY. PAS is a wholly owned subsidiary of Guardian. Capital Planners, Inc. and Lifetime Financial Growth LLC are not affiliates or subsidiaries of PAS or Guardian and are not registered in any state or with the U.S. Securities and Exchange Commission as a Registered Investment Advisor. AR Insurance License ID #1736222; CA Insurance License ID # 0G26211.

Job Titles:

• Member of the Board of Directors
• CEO, WestPac Wealth Partners

Job Titles:

• Member of the Board of Directors
• Creator of the Living Balance Sheet, Consultant to the Guardian Life Insurance Company

Job Titles:

• General Counsel
• Member of the Board of Directors
• Vice Chairman of the Board
• Registered Principal and Financial Advisor of Park Avenue Securities
• Vice Chairman of the Board and General Counsel, LFG

Sanford Aderson is the Vice Chairman of the Board and General Counsel of Lifetime Financial Growth. Mr. Aderson is an original and current member of the LFG Board of Directors. Previously, he was a founding member and managing partner of the Pittsburgh law firm of Aderson Frank Steiner and Blechman. His practice concentrated in Mergers and Acquisitions, General Corporate Law and Estate Planning. Mr. Aderson frequently represented clients in the areas of Corporate Finance. Luttner Financial Group became a client of Mr. Aderson in 1991 and in 2000 he left the full time practice of law to become its President. Since he became President, LFG has grown from 40 advisors to more than 200 along with the expansion into our Ohio and Kentucky locations. From 2000-2006, Mr. Aderson served on the Board of Directors of the Make A Wish Foundation for Greater Pennsylvania and Southern West Virginia and was Chairman of the Board in 2005 and 2006. He is a graduate of Boston University School of Management and Boston University School of Law. Sanford Aderson is a Registered Principal and Financial Advisor of Park Avenue Securities, LLC (PAS). OSJ: 244 Boulevard of the Allies; Pittsburgh, PA 15222. Phone: (412) 391-6700. Securities products and advisory services offered through PAS, member FINRA, SIPC. Mr. Aderson also serves as a General Agent of The Guardian Life Insurance Company of America® (Guardian) New York, NY. PAS is a wholly owned subsidiary of Guardian. Lifetime Financial Growth LLC is not an affiliate or subsidiary of PAS or Guardian and is not registered in any state or with the U.S. Securities and Exchange Commission as a Registered Investment Advisor. *Not practicing for Guardian or any subsidiaries or affiliates thereof.

Job Titles:

• Life and Health Insurance Agent
• Market President of Lifetime Financial Growth 's Central Ohio
• Registered Principal and Financial Advisor of Park Avenue Securities

Tom serves as Market President of Lifetime Financial Growth's Central Ohio office. He also serves as the Enterprise-Wide Chief Growth Officer for Lifetime Financial Growth's enterprise operations and leads the investment team and retirement planning initiative for LFG. Lifetime Financial Growth (LFG) is a regional privately-held wealth management firm with hundreds of representatives, across Pennsylvania, West Virginia, Kentucky, Michigan, Indiana and Ohio. Tom is an active member of various industry organizations, including the National Association of Plan Advisors (NAPA), the Society of Financial Service Professionals (FSP), FINSECA (formerly GAMA and AALU), The Million Dollar Round Table (MDRT), the National Association of Insurance and Financial Advisors (NAIFA) and the Columbus Bar Association. He has served in leadership roles in the FSP since 2010 and currently serves as a board member on the National Board and endowment committee of that organization. Thomas Wyatt is a Registered Principal and Financial Advisor of Park Avenue Securities (PAS). OSJ: 8425 Pulsar Place, #450; Columbus, OH 43240. Phone: (614) 785-5100. Securities products and advisory services offered through PAS, member FINRA, SIPC. Mr. Wyatt also serves as a General Agent of The Guardian Life Insurance Company of America® (Guardian) New York, NY. PAS is a wholly owned subsidiary of Guardian. Retirement and Wealth Planning and Lifetime Financial Growth LLC are not affiliates or subsidiaries of PAS or Guardian and are not registered in any state or with the U.S. Securities and Exchange Commission as a Registered Investment Advisor. CA Insurance License ID #0E84981. *Not practicing for Guardian or any subsidiaries or affiliates thereof.