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One of my clients forwarded this to me today:</div>
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<div>Wishing Gotham Land a happy and healthy holiday, Happy Hanukkah and Merry Christmas and Festivus to the rest of us !<br>
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<p style="margin-top: 0px; margin-bottom: 0px;"><b><span style="color: rgb(38, 40, 42); font-family: Arial,sans-serif; font-size: 12pt;">When you think of riding the subway, laughter and joy arent the first words that spring to mind. Its a cramped place full
of grumpy people. Many are glued to their cell phones or wired up and have no times for anyone else. Yet if youre lucky enough, sometimes you can find happiness in a subway train.<br>
</span></b><b><span style="color: rgb(38, 40, 42); font-family: Arial,sans-serif; font-size: 18pt;"><br>
</span></b><b><span style="color: rgb(38, 40, 42); font-family: Arial,sans-serif; font-size: 12pt;">One such magical moment was captured when a Belgian advertising agency hired an actor to randomly start laughing on the train.<br>
With the taglineHappiness starts with a smile their new ad aims to bring a bit of joy to everyones day. Something we don't do enough of in this country. Just watch, and I dare you to try to keep a straight face.</span></b></p>
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<p style="margin-top: 0px; margin-bottom: 0px;"><span style="color: rgb(38, 40, 42); font-family: Arial,sans-serif; font-size: 10pt;"><span style="color: rgb(149, 79, 114); font-size: 13.5pt;"><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__nam11.safelinks.protection.outlook.com_-3Furl-3Dhttps-253A-252F-252Fwww.youtube.com-252Fembed-252F1veWbLpGa78-26data-3D02-257C01-257C-257Cc91006ef675b43d23b9408d7780fadcc-257C84df9e7fe9f640afb435aaaaaaaaaaaa-257C1-257C0-257C637109881038144121-26sdata-3D3idBuHlBkAc5W4-252FAFmhueezi5jYLW1LvLPHsTSLqRec-253D-26reserved-3D0&d=DwMGaQ&c=tgH_BtXR-501zcdE8-dvRgEg8aWmdQ-cSUXqw1qnbGU&r=O4cCVAw2yHT5anzpAWPyJ-BtA4lJEoM5UkRLlzZGbDc&m=FA3BPvcBhmyXgQIb0dingVQWCGdntyS4-NbZisVp0iU&s=2sRP2g6cx4CLCVHOEptgYnVnm2x7i5O21MNeR4_i5H0&e=" target="_blank" rel="noopener noreferrer">https://www.youtube.com/embed/1veWbLpGa78</a></span></span></p>
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<b><span style="color: black; font-family: "Arial",sans-serif; font-size: 12pt;"><span style="color: rgb(0, 111, 201);"></span>Steven D. Lichtenstein CLU<sup></sup>, ChFC<sup></sup></span></b></p>
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<span style="color: rgb(0, 111, 201); font-family: "Arial",sans-serif; font-size: 10pt;"><strong>Wealth Management Advisor</strong></span></p>
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<b><span style="color: black; font-family: "Arial",sans-serif; font-size: 12pt;">Forest Hills Financial Group</span></b></p>
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<span style="color: black; font-family: "Arial",sans-serif; font-size: 10pt;">200 Broadhollow Rd. Suite 405<span>
</span>I<span> </span>Melville, NY 11747</span></p>
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<span style="color: black; font-family: "Arial",sans-serif; font-size: 10pt;"><b>O: 631.589.5400</b><span> ext. 203
</span>I<span> </span><b>D: 718.475.5331</b><span> </span>I<span> <b> </b></span><b>F: 718 475-5365</b><span>
</span>I<span> </span>E: </span><a href="mailto:steven_lichtenstein@fhfg.com" target="_blank"><span style="color: black; font-family: "Arial",sans-serif; font-size: 10pt; text-decoration: none;">steven_lichtenstein@fhfg.com</span></a><span style="color: black; font-family: "Arial",sans-serif; font-size: 10pt;"></span></p>
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<span><span style="color: rgb(0, 111, 201);"></span><span style="color: rgb(0, 111, 201);"><em><span style="color: rgb(0, 0, 0);"><strong>Specializing in Plans, Hopes & Dreams
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</em></em></span></span></p>
<em><span><span style="color: rgb(0, 111, 201);"><em>"Knowledge is something you learn; wisdom is the ability to apply knowledge to your everyday life." - Len Renier</em></span></span></em>
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<span style="color: black; font-family: "Arial",sans-serif; font-size: 10pt;">Click
</span><a href="http://www.thelivingbalancesheet.com/financialbalance"><span style="color: black; font-family: "Arial",sans-serif; font-size: 10pt;">here</span></a><span style="color: black; font-family: "Arial",sans-serif; font-size: 10pt;"> to see why you
need financial balance </span></p>
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<span style="color: black; font-family: "Arial",sans-serif; font-size: 10pt;">Click
</span><a href="http://tinyurl.com/Full-Replacement-Value"><span style="color: black; font-family: "Arial",sans-serif; font-size: 10pt;">here</span></a><span style="color: black; font-family: "Arial",sans-serif; font-size: 10pt;"> to learn the importance of
replacement income</span></p>
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<span style="color: black; font-family: "Arial",sans-serif; font-size: 10pt;"><strong><font color="#212121"></font></strong><a class="OWAAutoLink" href="http://www.livingconfidently.com/MyRetirementReality"><strong><font color="#212121">YOUR RETIREMENT REALITY......Make
the Most of it</font></strong></a> !</span></p>
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<span style="color: gray; font-family: "Arial",sans-serif; font-size: 7pt;">Steven D. Lichtenstein is an Investment Advisor and Registered Representative of Park Avenue Securities LLC (PAS). Securities products/services and advisory services are offered by
PAS, 200 Broadhollow Rd., Suite 405, Melville, N.Y. (631) 589-5400, a Registered Investment Advisor and broker-dealer. Forest Hills Financial Group Inc. is not an affiliate or subsidiary of PAS. PAS is a member of FINRA, SIPC. Steven D. Lichtenstein is a Field
Representative of The Guardian Life Insurance Company of America, New York, N.Y. 10004.</span></p>
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<span style="color: gray; font-family: "Arial",sans-serif; font-size: 7pt;">Steven D. Lichtenstein is an authorized user of The Living Balance Sheet, an electronic wealth organizational platform that provides a wide-angle view of your financial world and enables
him to stress test your current financial approach. Gain insight and clarity on your complete financial picture, which when coupled with his professional experience and credentials, may provide you with the ability to make well-informed personal and business
decisions and to take appropriate actions to achieve your desired results.</span></p>
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