Joseph Yocavitch is a Registered Representative and Financial Advisor of and offers securities products/services and advisory services through Park Avenue Securities LLC (PAS) 7 Hanover Square, New York, NY 10004, 1-888-600-4667. PAS is an indirect wholly owned subsidiary of Guardian. JML Financial Group is not an affiliate or subsidiary of PAS or Guardian.

 PAS is a member of  FINRA, SIPC. 

The Registered Representative is securities licensed in Delaware, Florida, Maryland, Maine, New Jersey, New York, Pennsylvania and Virginia and is strictly intended for individuals residing in those states. No offers may be made or accepted from any resident outside these specified states. The information or opinions contained in this Internet site should not be construed by any consumer and/or prospective client as an offer to sell or the solicitation of an offer to buy any particular investment product. The information contained herein is directed solely to those individuals who reside in jurisdictions in which the representative is registered in the state where the consumer and/or prospective client reside. Any subsequent direct communication with a consumer and/or prospective client shall only be conducted by a representative that is registered in the state where the consumer and/or prospective client reside.

Insurance licensed in New Jersey, Pennsylvania, Delaware, Maine and Virginia.  

Joseph Yocavitch, financial representative of The Guardian Life Insurance Company of America (Guardian), New York, NY. 
The information on this site is intended for the residents of [insert states]. The associates of JML Financial Group are not licensed to sell insurance in all 50 states. To find out if an agent is licensed in your state, please contact Lynn Yocavitch at 856-751-1771. 
The Living Balance Sheet ® is a registered trademark of The Guardian Life Insurance Company of America, New York, NY. The Living Balance Sheet ® displays the financial holdings identified by the client based upon information and valuations provided directly by the client or by electronic feeds from the client’s financial institutions. Valuations provided by electronic feeds reflect the most current information provided by the financial institution as of the date and time noted, but can reflect valuations from an earlier date and time. Neither Guardian, nor its subsidiaries, agents or employees provide tax or legal advice. You should consult your tax or legal advisor regarding your individual situation.

Material discussed is for general illustration only and it is not to be construed as tax, legal or investment advice. Although the information has been gathered from sources believed reliable, please note that individual situations can vary, therefore the information should be relied upon when coordinated with individual professional advice.