“Evaristo Gonzalez has been vital in management of my finances. I graduated with $300k in student loans, which is something I needed guidance on (both right when I graduated, as well as ongoing management). I do not know about the best ways to invest, both for student loans and retirement, and Evars has helped with that substantially. He has also been great with helping me figure out what student loan repayment plan is best for me, as well as keeping me in the loop with new things that come out with student loans. I also really appreciated that when we first started working together, we had a few educational meetings where he explained why we were going to put my money in certain places, how student loans work, how taxes work, etc. that way it wasn't just blind trust-- he wanted me to know why we were doing what we were doing with my money. Overall, he has been exceptionally helpful with managing the enormous debt load I graduated with and I highly recommend him to anyone who wants guidance, especially my fellow veterinarians!”

^{Disclosure: Personal views of this client and their experience do not suggest future results. No compensation was provided. Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 11350 MCCORMICK ROAD, EXECUTIVE PLAZA III, SUITE 202, HUNT VALLEY MD, 21031, 667-3180801. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. FINANCIAL GROWTH PARTNERS is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License Number - 0K44287. 8832328.1 Exp 3/28}

“Student Debt? 401K? IRA? Life Insurance? Kids' college savings? LIONS AND TIGERS AND BEARS, Oh my! I highly suggest working with Ever Gonzalez for guidance. My husband and I have been working with Ever for over a year now. I first reached out to him because I felt overwhelmed by my medical student loans, and unsure I'd ever be able to picture a relatively comfortable financial future. As a veterinarian, my expertise lies in dog and cat medicine and surgery, not finance. My husband is not in vet med, but shared my concerns and lack of knowledge in personal finance. Both of our employers offer(ed) 401K, disability, some insurance, etc but I didn't know if it was any good or which option was the best. Over a series of zoom meetings, Ever was able to help us understand how best to manage debt, invest for the future, and protect what we have. The decisions we've made together are ones we could not have or would not have known how to make without Ever's knowledgeable advice. He is professional but down-to-earth and explains things clearly. He understands vet med, because he's had so many veterinarian clients. He was able to use vet med analogies and understand my work compensation package more than I expected. He went above and beyond to be sure we were educated and understood the "why" behind his recommendations. I am happy to say, I'm now comfortable with our financial decisions! It can seem scary to let someone know your financial situation, but I'm so glad I enlisted Ever's help. Whether you are a veterinarian or not, I recommend reaching out to Ever if you want an honest, friendly, knowledgeable financial advisor.”

^{Disclosure: Personal views of this client and their experience do not suggest future results. No compensation was provided. Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 11350 MCCORMICK ROAD, EXECUTIVE PLAZA III, SUITE 202, HUNT VALLEY MD, 21031, 667-3180801. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. FINANCIAL GROWTH PARTNERS is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License Number - 0K44287. 8827188.1 Exp. 3/28}

“As a recent graduate with a large amount of student loans and little experience in budgeting, Ever made me feel confident in knowing and understanding finances. He helped me feel secure in my financial future and security. He helped me prioritize and take steps into achieving my long-term financial goals. He helped me set up safety nets for life's unpredictability. Because of Ever's knowledge and experience, I am confident in my financial decisions. I feel secure and prepared for the unknown future. I feel that I can support a lifestyle I envisioned while securing my future.”

^{Disclosure: Personal views of this client and their experience do not suggest future results. No compensation was provided. Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 11350 MCCORMICK ROAD, EXECUTIVE PLAZA III, SUITE 202, HUNT VALLEY MD, 21031, 667-3180801. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. FINANCIAL GROWTH PARTNERS is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License Number - 0K44287. 8827182.1 Exp. 3/28}

“I started working with Ever about five years ago after my vet school roommate referred me to him. He has been nothing but helpful and extremely thorough ever since. He has helped me look at every aspect of my finances; savings, investment strategies, insurance and of course, my student loan situation. He took my financial situation at the time, went through every single repayment option scenario in a side by side comparison and then helped me choose the plan that made the most sense for me. Ever has also been open to answering other types of financial questions such as providing recommendations for worthy high yield saving accounts and insurance companies. After every meeting, he always asks if I have any questions for him and explains everything to a T until I understand. I could not recommend him enough.”

^{Disclosure: Personal views of this client and their experience do not suggest future results. No compensation was provided. Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 11350 MCCORMICK ROAD, EXECUTIVE PLAZA III, SUITE 202, HUNT VALLEY MD, 21031, 667-3180801. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. FINANCIAL GROWTH PARTNERS is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License Number - 0K44287. 8834144.1 Exp 3/28}

“Working with Ever has given us a much clearer understanding of our overall financial picture and how to manage it effectively. He guided us in putting the right insurance policies in place—including disability, personal, and umbrella coverage—so we feel confident our family is well protected.

He also helped us develop a savings and investment strategy for retirement, all while navigating my significant student loan debt. Thanks to his expertise and guidance, we now have a solid plan in place and peace of mind about our financial future.”

^{Disclosure: Personal views of this client and their experience do not suggest future results. No compensation was provided. Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 11350 MCCORMICK ROAD, EXECUTIVE PLAZA III, SUITE 202, HUNT VALLEY MD, 21031, 667-3180801. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. FINANCIAL GROWTH PARTNERS is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License Number - 0K44287. 8854372.1 4/28}