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Cheers!

A New Year, A New Day. (The text appears in bold text above a pair of mountains photographed at morning.)

It's the first sunrise of a new year, and light shines on you. (A young, long-haired brunette woman wearing a long robe or sweater and jeans sits cross-legged on a wooden dock. She’s looking out at a peaceful lake and the forest beyond. Beyond the frame of the photo, we see an illustration of a mountain in white against a light blue background.)

Illuminating new adventures, new paths, and new opportunities. (Two images: in the foreground, a bespectacled woman with a short bob hairstyle smiles broadly. She’s dressed in business casual and standing in front of a white desk, a wall covered with sticky notes, and a metal briefcase. In the background, a young mother and father play with their young son among empty cardboard boxes. The father is bald with a dark beard and seated behind them. Mother has long dark hair and is pushing her son in a cardboard box in what appears to be the house they’ve just moved into. The son has his hands in the air and appears overjoyed as his cardboard car slides across the hardwood floor. Beyond these photos, the mountains and a sunrise appear with blue and yellow backgrounds.)

As you follow the sun toward your dreams and desires, building the future you hope for, and becoming who you were meant to be. (Two images: in the foreground, three middle-aged men appear to be working together in a library or an office with bookcases. They assemble around a table that is strewn with books and an open laptop. These gentlemen appear to be enjoying working together. In the background, a middle-aged woman with hennaed hair stands with a pair of binoculars in what appears to be a sylvan area. She is wearing a plaid shirt and a blue puffy vest. Outside of these images, the mountains and a sunrise appear with yellow background.)

It's an honor to walk with you. (In a vast hilly area covered in grass and the mists of early morning, we see the silhouette of three cyclists giving each other high-fives. The cyclists are wearing helmets. In the distance, the sun has risen to illuminate a beautiful morning. Outside of this image, the mountains and a sunrise appear with yellow background.)

Wishing you all the best in this New Year. (This text is surrounded by the rest of the mountain illustration.)

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Concordia Financial Group, Inc.

Office: (973) 697-6300

Fax: (973) 697-4144

5676 Berkshire Valley Road

Oak Ridge, NJ 07438

FINRA Series 6, 7, 63

rgopin@concordiafinancial.com

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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

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Securities and Advisory services are offered through Madison Avenue Securities, LLC. (MAS) a Registered Investment Advisor, Member FINRA/SIPC. MAS and Concordia Financial Group, Inc. are not affiliated companies. Richard Gopin is Licensed to solicit and sell securities and advisory services in the state of AZ, CA, CT, DE, FL, GA, HI, KY, MA, NC, NE, NJ, NM, NY, PA, SC.