Christopher Cramer

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Office: (803) 412-1300

6115 Park South Drive

Suite 200

Charlotte, NC 28210

christopher.cramer@cplanning.com

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Securities products and advisory services offered through Park Avenue Securities LLC (PAS), member FINRA, /SIPC . OSJ: 6155 Park South Drive, Suite 200, Charlotte, NC, 28210, (803) 412-1300. PAS is a wholly owned subsidiary of The Guardian Life Insurance Company of America® (Guardian), New York, NY. Consolidated Planning is not an affiliate or subsidiary of PAS or Guardian.

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7882619.1 Exp. 04/27