Carlos V. Rivera is an agent of Ashford Mid South, LLC, an affiliate of Ashford Advisors an agency of The Guardian Life Insurance Agency of America® (Guardian), New York, NY. Ashford Advisors and Ashford Mid South, LLC are not affiliates or subsidiaries Guardian. Ashford Advisors is not registered in any state or with the U.S. Securities and Exchange Commission as a Registered Investment Advisor. Not practicing law for Guardian or its subsidiaries or affiliates.