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Congratulations to our own Dan Hochler of Forest Hills Financial group for qualifying for the prestigious Guardian Leader's Club. Dan is a real talent and just proves the power of mentoring and networking.</div>
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Way to go Dan! </div>
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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>
<p class="MsoNormal" style="line-height:8pt; margin-top:0px; margin-bottom:3pt"><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>
<p class="MsoNormal" style="line-height:8pt; margin-top:0px; margin-bottom:0px"><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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<div dir="LTR"><a class="OWAAutoLink" href="http://www.fhfg.com/team/steven-d-lichtenstein-clu-chfc"><img class="EmojiInsert" data-outlook-trace="F:1|T:1" src="cid:318264e8-1368-4f55-92d0-2132374621f7"></a> <a class="OWAAutoLink" href="http://reviews.greatplacetowork.com/forest-hills-financial-group"><img class="EmojiInsert" data-outlook-trace="F:1|T:1" src="cid:2e0f4d24-8550-41c1-9612-b19ee3bedbba"></a>
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<a class="OWAAutoLink" href="http://thelivingbalancesheet.com"><img class="EmojiInsert" data-outlook-trace="F:1|T:1" src="cid:5fb4f5d4-7e0d-4ed0-b691-55298a7b1448"></a><br>
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<div id="divRplyFwdMsg" dir="ltr"><font face="Calibri, sans-serif" color="#000000" style="font-size:11pt"><b>From:</b> Carmen Laube <carmen_laube@fhfg.com> on behalf of Nathan M Perlmutter <NPerlmutter@fhfg.com><br>
<b>Sent:</b> Monday, December 30, 2019 9:15 AM<br>
<b>Subject:</b> Congratulations, Dan Hochler! You got to Leaders Club!</font>
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<span style="margin:0px; color:rgb(12,100,192); font-family:Arial,sans-serif; font-size:18pt">Dan's hard work and pushing through have gotten him his first trip to Leaders Club. Dan's made
</span><span style="font-size:12pt; font-style:inherit; font-variant-ligatures:inherit; font-variant-caps:inherit"><span style="color:rgb(12,100,192); font-family:Arial,sans-serif; font-size:18pt">a great year for himself in a lot of ways, and we're so proud
of him. </span></span></p>
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<span style="margin:0px; color:rgb(12,100,192); font-family:Arial,sans-serif; font-size:18pt">Dan, we look forward to being with you at Leaders Club in May! Congratulations again!</span></p>
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<strong><span style="margin:0px; color:rgb(32,56,100); font-family:"Arial",sans-serif"><br>
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<strong><span style="margin:0px; color:rgb(32,56,100); font-family:"Arial",sans-serif">Nathan M. Perlmutter, CLU</span></strong><b><sup><span style="margin:0px; color:rgb(32,56,100); font-family:"Arial",sans-serif; font-size:11pt"></span></sup></b><strong><span style="margin:0px; color:rgb(32,56,100); font-family:"Arial",sans-serif">,
ChFC</span></strong><b><sup><span style="margin:0px; color:rgb(32,56,100); font-family:"Arial",sans-serif; font-size:11pt"></span></sup></b><span style="margin:0px; color:black; font-family:"Calibri",sans-serif"><br>
</span><span style="margin:0px; color:rgb(127,127,127); font-family:"Arial",sans-serif; font-size:10pt">President and CEO</span></p>
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<b><span style="margin:0px; color:rgb(32,56,100); letter-spacing:-0.1pt; font-family:"Arial",sans-serif">Forest Hills Financial Group</span></b><span style="margin:0px; color:black; font-family:"Calibri",sans-serif"><br>
</span><span style="margin:0px; color:rgb(127,127,127); font-family:"Arial",sans-serif; font-size:10pt"><span style="color:rgb(117,123,128)">122 East 42nd Street I Suite 2200 I New York, NY 10168</span><br>
<span style="color:rgb(117,123,128)">P. 212.687.8901 Ext. 117 I</span><span style="margin:0px; color:rgb(117,123,128)">
</span><span style="color:rgb(117,123,128)">F. 646.638.9872 </span></span></p>
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<b><i><span style="margin:0px; color:rgb(32,56,100); font-family:"Arial",sans-serif; font-size:10pt">Improving lives is the passion</span></i></b><span style="margin:0px; font-family:"Arial",sans-serif; font-size:10pt"><br>
<b><i><span style="background:white; margin:0px; color:rgb(32,56,100)">that drives our profession</span></i><span style="background:white; margin:0px; color:rgb(32,56,100)">.</span></b></span></p>
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<b><i><span style="margin:0px; color:rgb(32,56,100); font-family:"Arial",sans-serif; font-size:10pt">Want to see how your finances stack up? Click
<a class="OWAAutoLink" href="http://thelivingbalancesheet.com/scorecard">here</a>. <br>
<br>
<a class="OWAAutoLink" href="http://www.np-artwork.com/">Check out what I do</a> when I'm not helping people.
<strong><span style="margin:0px; font-family:"Arial",sans-serif"></span></strong></span></i></b></p>
<p style="margin-top: 0px; margin-bottom: 0px;margin-top:0px; margin-bottom:0px; margin:0px 0px 4px; line-height:8pt">
<span style="margin:0px; color:rgb(127,127,127); font-family:"Arial",sans-serif; font-size:7pt">Nathan M. Perlmutter, CLU<sup></sup>, ChFC<sup></sup> is a Registered Representative and Financial Advisor of Park Avenue Securities LLC(PAS), and General Agent
of The Guardian Life Insurance Company of America, New York NY. Securities products/services and advisory services offered through PAS, 200 Broadhollow Rd., Melville NY 11747, 631-589-5400. PAS is a Broker/Dealer and Registered Investment Advisor. Forest Hills
Financial Group, Inc. is not an affiliate or subsidiary of PAS or Guardian. PAS is an indirect wholly owned subsidiary of The Guardian Life Insurance Company of America, New York, NY.</span></p>
<p style="margin-top: 0px; margin-bottom: 0px;margin-top:0px; margin-bottom:0px; margin:0px 0px 4px; line-height:8pt">
<span style="margin:0px; color:rgb(127,127,127); font-family:"Arial",sans-serif; font-size:7pt">PAS is a member of FINRA, SIPC.</span><b><i><span style="margin:0px; color:rgb(127,127,127); font-family:"Arial",sans-serif; font-size:10pt"></span></i></b></p>
<p style="margin-top: 0px; margin-bottom: 0px;margin-top:0px; margin-bottom:0px; margin:0px 0px 4px; line-height:8pt">
<span style="margin:0px; color:rgb(127,127,127); font-family:"Arial",sans-serif; font-size:7pt">The Living Balance Sheet<sup></sup> and The Living Balance Sheet<sup></sup> Logo are registered service marks of The Guardian Life Insurance Company of America
(Guardian), New York, NY. Copyright 2005-2018 Guardian.</span></p>
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