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<p style="margin-top: 0px; margin-bottom: 0px;">This is a special message for the ladies of Gotham. Women are an economic powerhouse and represent over 51.5% of the labor market. Meanwhile 53% of women don't think they'll ever be able to retire and an astounding
2/3 women do not use a financial advisor. A recent study by Vanguard shows that working with an advisor who follows a best practices model can potentially add up to an additional 3% average rate of return to their portfolio. 86% of baby boomers when surveyed
stated that "they're better prepared for retirement due to their advisor". </p>
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<p style="margin-top: 0px; margin-bottom: 0px;">My practice is focused on helping women to remove worries from their plates: healthcare, longevity, living situations, family situations, lack of time and financial security. My team and I understand that women
are "goal driven" and think of their money in buckets. Women on average will live 10+ years beyond their spouses. I can help you ladies take control of your finances and create guaranteed sources of income that you can not outlive while providing for a legacy
for your children and grandchildren.</p>
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<p style="margin-top: 0px; margin-bottom: 0px;">To learn more about recent trends and demographics please take a few moments and click on this link from one of my planning partners.
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<p style="margin-top: 0px; margin-bottom: 0px;">Make it a great day !</p>
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<p style="margin-top: 0px; margin-bottom: 0px;">Sincerely,</p>
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<p style="margin-top: 0px; margin-bottom: 0px;">Steven Lichtenstein CLU, ChFC - Chair Gotham Towers</p>
<p style="margin-top: 0px; margin-bottom: 0px;"><strong><em>"Specializing in Plans, Hopes & Dreams" since 1991</em></strong></p>
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<p style="margin-top: 0px; margin-bottom: 0px;"><a class="OWAAutoLink" id="LPlnk527486" href="http://image.service.transamericaannuities.com/lib/fe8f15737d630d7f77/m/3/26272_NAAKPTABPP0518_TCRS+Retirement+Infographic_Opt.pdf?utm_source=exact-target&utm_medium=landing-page&utm_campaign=q2-longevity&utm_content=retirement-page-two" previewremoved="true">http://image.service.transamericaannuities.com/lib/fe8f15737d630d7f77/m/3/26272_NAAKPTABPP0518_TCRS+Retirement+Infographic_Opt.pdf?utm_source=exact-target&utm_medium=landing-page&utm_campaign=q2-longevity&utm_content=retirement-page-two</a></p>
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<div dir="LTR"><strong>Steven D. Lichtenstein CLU, ChFC</strong></div>
<div><strong>Senior Vice-President, Investments</strong></div>
<div><strong><font color="#274e13"><span style="color: rgb(0, 111, 201);">2017 "Kings of Long Island" honoree</span></font></strong></div>
<div><strong><font color="#274e13"><span style="color: rgb(0, 111, 201);"><span style="color: rgb(114, 50, 173);">2017 "Diamond" Leader </span></span></font></strong></div>
<div><strong><font color="#274e13"><span style="color: rgb(0, 111, 201);"><span style="color: rgb(114, 50, 173);"><span style="color: rgb(255, 0, 0);">2018 "Diamond" Leader</span></span></span></font></strong></div>
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<h2><a title="http://www.thelivingbalancesheet.com/financialbalance Ctrl+Click or tap to follow the link" id="LPNoLP" href="http://www.thelivingbalancesheet.com/financialbalance" target="_self"><img style="width: 253px; height: 62px;" alt="" unselectable="on" src="http://www.thelivingbalancesheet.com/assets/thelivingbalancesheet/LBS_logo.png"></a></h2>
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<strong><em><font face="Verdana" size="2"><font face="Verdana" size="2">"Sp</font></font><font face="Verdana" size="2"><font face="Verdana" size="2">ecializing in Plans, Hopes & Dreams"</font></font></em></strong><font face="Verdana" size="2"><font face="Verdana" size="2"></font></font></div>
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<div dir="LTR"><font color="#4ba524"><b>Forest Hills Financial Group</b></font></div>
<div dir="LTR"><font color="#4ba524"><b>200 Broadhollow Road, Suite 405 </b></font>
<div><font><font color="#4ba524"><b>Melville, NY 11747</b></font></font></div>
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<div style="color: rgb(0, 0, 0);" dir="LTR">phone: (631) 589-5400<br>
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<div dir="LTR">direct: 718 475-5331 </div>
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<div style="color: rgb(0, 0, 0);" dir="LTR">eFAX: 718 475-5365</div>
<div style="color: rgb(0, 0, 0);" dir="LTR">e: <a id="LPNoLP" href="mailto:steven_lichtenstein@fhfg.com" target="_blank">steven_lichtenstein@fhfg.com</a></div>
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<span style="font-family: Verdana; font-size: x-small;">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, </span><span class="contextualExtensionHighlight ms-font-color-themePrimary ms-border-color-themePrimary" style="font-family: Verdana; font-size: x-small;">New York, N.Y. 10004</span><span style="font-family: Verdana; font-size: x-small;">.</span><br>
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<div>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.</div>
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<span style="color: rgb(33, 33, 33); font-family: "Times New Roman",serif;">Click here to learn why we need financial balance : </span><u style="font-family: "Times New Roman",serif;"><a id="LPNoLP" href="http://www.thelivingbalancesheet.com/financialbalance" target="_blank">http://www.thelivingbalancesheet.com/financialbalance</a></u><br>
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<div>Full Replacement Value video: <span id="ms-rterangepaste-start"></span><font color="#1f497d" face="Calibri,sans-serif" size="2"><span style="font-size: 11pt;"> </span></font><a id="LPNoLP" style="font-family: "Times New Roman",serif; font-size: 16px;" href="http://tinyurl.com/Full-Replacement-Value" target="_blank"><font face="Verdana,sans-serif" size="2"><span style="font-size: 9.5pt;"><b>http://tinyurl.com/Full-Replacement-Value</b></span></font></a><span id="ms-rterangepaste-end"></span></div>
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