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OSJ: 920 Second Avenue South, Suite 1100 Minneapolis, MN 55402, 612.746.2200. Varno & Company is not an affiliate or subsidiary of PAS or Guardian. The Living Balance Sheet® (LBS) and the LBS logo are service marks of The Guardian Life Insurance Company of America (Guardian), New York, NY. © Copyright 2005-2020 Guardian Important Disclosures Exp 06/20
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