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ABOUT
US
Carl
A. Lutz has been an entrepreneur since the age of 16.
He resides in Avon, New York with his wife Mandy and their
children Hannah and Ryan. He started his career as a financial
professional in January 1999 and is currently matriculated
with the American College of Financial Services. Carl serves
as Chairman of the Livingston County Chamber of Commerce.
He led the 2005 Livingston County United Way campaign in
exceeding their goal. Carl enjoys hiking, camping, skiing
and spending time with his family.
Carl
Lutz is a Field Representative of The Guardian Life Insurance
Company of America, New York, NY. Carl is licensed to sell
insurance in New York, Pennsylvania, Connecticut, New Jersey,
Colorado, Nevada, California and Utah. Carl A. Lutz is a
Registered Representative and Financial Advisor with Park
Avenue Securities LLC. He is securities licensed in New
York, Pennsylvania, Connecticut, New Jersey, Colorado, Nevada,
California and Utah.
Samantha
Decker has been in the financial services industry since
1999 as an administrative assistant. She joined Protection
Savings & Growth in 2004. She is dependable, reliable
and committed to excellence. She currently lives in Webster,
NY with her husband Bernie, daughter Kameron and family.
Sarah
Lane-Ayers joined Protection Savings and Growth Consulting
in June 2007 in the role of relationship development specialist.
Sarah is always finding ways to connect, strengthen and
enhance her ties with the people she encounters making this
position a perfect fit.
Sarah
has been in the Financial Services Industry since 1992.
She is licensed to sell life and health insurance in New
York and California (California Insurance License no. 0F99891)
and is a sales associate of The Guardian Life Insurance
Company of America, New York, NY as well as a Registered
Representative of Park Avenue Securities, LLC, serving individuals
and businesses in New York State
Sarah
is a native of Rochester, residing in the Browncroft neighborhood
in the City of Rochester with her husband Jim and daughters
Kristen and Tegan. She is an active parishioner of Peace
of Christ Parish, as a member of Parish Council and serves
on various committees. She is also a girl's soccer coach
for the Irondequoit travel league.
Currently
Sarah is enrolled in Leadership Livingston, a leadership
development program. She enjoys reading about world current
events, travel, fitness and living a holistic lifestyle.
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Carl
A. Lutz

Sarah
Lane-Ayers
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