PhiladelFrance Financials

744 W. Lancaster Avenue . Suite 235 . Wayne . PA 19087 I Phone: 610.293.8300 I Fax: 610.293.8399

Connaissez-vous Votre VRAI potentiel financier?

L’avenir de votre famille et votre rêve américain dépendent de simples choix faits aujourd’hui...

Voulez-vous être en charge de votre futur et le protéger contre les aléas liés au modèle américain (protection sociale insuffisante, sécurité sociale incertaine, société prône aux poursuites judiciaires) ?

Etes-vous préoccupé par l’impact du poids fiscal, de l’inflation, ou encore de la volatilité des marchés boursiers sur votre potentiel de richesse ?

Continuez-vous de maximiser votre 401(k) ou 403(b) sans trop savoir pourquoi ?

Avez-vous juste parcouru les avantages salariaux de votre entreprise et n’en connaissez pas les détails et la couverture réelle ?

Vos documents testamentaires familiaux sont-ils inexistants ou peu adaptés à la réalité américaine ?

Vous demandez-vous quel serait l’impact financier d’une disparition prématurée, le type d’assurance qui vous convient le mieux, ou encore le montant de substitution qui permettrait à votre famille de maintenir une vie décente ?

Avez-vous besoin de solutions flexibles pour l’éducation de vos enfants ?

Vous voulez laisser de l’argent à vos enfants sans toutefois vous priver lors de vos vieux jours et ne savez pas quelle stratégie de succession adopter ?

Si vous avez répondu OUI à une ou plusieurs de ces questions, nous pouvons vous aider à atteindre votre potentiel par l’élaboration de stratégies adaptées à VOTRE situation et VOS objectifs. Propositions établies sans engagements.

Financial Representative of The Guardian Life Insurance Company of America, New York, NY. The Information on this site is intended for the residents of Connecticut (CT), Delaware (DE), Florida (FL), Massachusetts (MA), New Jersey (NJ), New York (NY), and Pennsylvania (PA). The financial representatives of Devon Financial Associates LLC are not licensed to sell insurance in all 50 states. To find out if an agent is licensed in your state, please contact Colleen Marzella at 610-293-8304.

Securities products and services are offered through Registered Representatives of Park Avenue Securities LLC (PAS), 7 Hanover Square, New York, NY 10004, 1-888-600-4667. Devon Financial Associates, LLC is not an affiliate or subsidiary of PAS.

PAS is a member FINRA & SIPC. (www.finra.org)

Registered Representatives are securities licensed in Connecticut (CT), Delaware (DE),Florida (FL), Massachusetts (MA), New Jersey (NJ), New York (NY), and Pennsylvania (PA) and is strictly intended for individuals residing in those states. No offers may be made or accepted from any resident outside these specified states.

Neither Park Avenue Securities, Guardian, nor their representatives render legal or tax advice. Please consult with your attorney, accountant, and/or tax advisor for advice concerning your particular circumstances.

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.

Individual health insurance products or services are not offered by Guardian. Property and Casualty insurance products or services are not offered by Guardian.

The Living Balance Sheet® and the Living Balance Sheet® Logo are registered service marks of The Guardian Life Insurance Company of America (Guardian), New York, NY. The graphics and text used herein are the exclusive property of Guardian and protected under U.S. and International copyright laws. © Copyright 2005-2011, The Guardian Life Insurance Company of America.

Links to other sites are for your convenience in locating related information and services. This Agency, The Guardian Life Insurance Company of America (Guardian) and Park Avenue Securities, LLC (PAS) do not maintain these other sites and have no control over the organizations that maintain the sites or the information, products or services these organizations provide. Although this Agency, Guardian and PAS believe that the information from these organizations is reliable, we cannot guarantee its completeness or suitability for any purpose. Accordingly, this Agency, Guardian and PAS expressly disclaim any responsibility for the content, the accuracy of the information or the quality of products or services provided by the organizations that maintain these sites. This Agency, Guardian and PAS do not recommend or endorse these organizations or their products or services in any way.

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Cedric Sage

O: 610-293-8313

C: 215-840-6116

E: cedric_sage@devon-financial.com

Gestion de Patrimoine • Assurances

Retraite et Succession • Plans d’entreprise