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This weekend only: Complimentary meeting to discuss "The Truth About your Money"</div>
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1) What is the best age to begin withdrawing your Social Security ?</div>
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2) How can I make my Social Security "inheritable" ?</div>
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3) How can you become the "beneficiary" of your own life insurance ?</div>
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4) How can you replace your lost "SALT" deductions (NY & NJ residents)</div>
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5) Do you think tax rates will be higher in the future and if so, do you think your "benefits" will be lower and what can you do about that ?</div>
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6) The current pandemic is NOT a "Debt Crisis". What should you really be preparing for and how will inflation affect all of your planning ?</div>
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7) Do you own "Dementia Insurance" ? How can a QLAC (Qualified Longevity Annuity Contract) help you plan for longevity and defer taxes to age 85 ?</div>
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8) What is the difference between Marginal Tax Rates and Effective Tax Rates ? How will this affect you during retirement ?</div>
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9) How can you systematically lower your tax bracket in retirement, during distribution ? Learn the secret on one is talking about.</div>
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10) How can you turn "Forever Taxed" money into "Never Taxed Money" ?</div>
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These are just some of the questions we can examine. Who else is helping you with these things ? (Accountant, Attorney, Uncle Bobby, Vinny the Barber or Sal the Stockbroker ?) </div>
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Call, text or email me today to schedule a virtual ZOOM appointment so I can share my screen and competitive intelligence with you! I only have
<b><u>5 time slots left. </u></b></div>
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Yours for "LIFE" Gotham,</div>
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<span style="font-size: 26pt; font-family: "Lucida Handwriting", "Apple Chancery", cursive;">\u200b<b>Steven </b></span> </div>
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<p style="margin-top: 0px; margin-bottom: 6pt; font-family: Verdana; font-size: small; background: white">
<span style="margin: 0px"><span style="margin: 0px; color: rgb(0, 111, 201)"><em><span style="margin: 0px; color: rgb(0, 0, 0)"><strong>Specializing in Plans, Hopes & Dreams<span> since 1991</span></strong></span><em><br>
</em></em></span></span></p>
<em style="font-family: Verdana; font-size: small; background-color: rgb(255, 255, 255)"><span style="margin: 0px"><span style="margin: 0px; color: rgb(0, 111, 201)"><em>"Knowledge is something you learn; wisdom is the ability to apply knowledge to your everyday
life."</em></span></span></em></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
</strong></span><em><br>
</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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