Krosnowski & Scott, LLC is a firm of professionals dedicated to providing their clients with what we believe is one of the most comprehensive financial solutions available, designed to meet client's financial goals and expectations.

We are committed to advising our clients on achieving their goals by careful planning, systematic implementation, disciplined investing, risk management, control of investment costs, while attempting to minimize tax exposure.

We pride ourselves by having a high level of interaction with our clients. Our goal is to build enjoyable, long-term relationships with our customers. We accomplish this in the following ways:

• Our goal is to proactively contact our clients to review their investments and to update them on the outlook for the financial markets
• We publish a quarterly newsletter which we call "Financial Fitness" to educate our clients on financial planning issues.
• We encourage face to face meetings with our clients annually
• Every few months we host "client appreciation" events to spend time with our clients in a social setting
• Most of our clients receive asset allocation and performance monitoring reports annually. This enables us to ensure that your current money managers are investing your assets in line with your investment objectives and comfort level.

The First Allied goal has always been to partner with those financial consultants who represent some of the best in the industry, and their branches continue to expand across the United States,

First Allied is an independent brokerage firm. Every First Allied office is independently owned and operated by experienced investment professionals throughout the United States. First Allied independent representatives are not limited to selling proprietary products, but rather have the freedom to choose from a wide variety of products and services – all of which can be tailored to suit your individual investment needs. We feel that it's this independent approach that builds trust in a client relationship.

Andrew J. Krosnowski

A graduate of the Lehigh University with a degree in finance, Andy has been in the investment industry for over 17 years. He has taught investment classes at Montgomery College in Silver Springs Maryland. He has had articles published in Physician's Assets and Dental Economics magazines. He provided money management consulting commentary on Northern Virginia public television show "Money Matters". Prior to joining his current investment firm, First Allied Securities Inc., Andy worked at Dean Witter (which later merged and became Morgan Stanley) for over 13 years and attained the title "Senior Vice President, Investments". From 1987 through 1998, he was honored by being selected in to Dean Witter's Director's & President's Clubs (in recognition of outstanding sales achievement). Outside of the office he enjoys participating in numerous outdoor athletic activities. Andy completed his first Olympic Distance Triathlon in May of 2002. He also enjoys traveling, reading, and spending time with family, especially his nieces and nephews. In July 2004 Andy wrote an article about 401k Plan Investing that was published in the Washington Business Journal.

Melissa A. Scott

Melissa majored in economics and international relations at American University. Following completion of her degree, she began her professional career in 1996 with Dean Witter (now Morgan Stanley) where she was initially partnered with Andy. In 1999, Melissa accepted a position at an independent firm, where she worked, prior to the firm's acquisition by First Allied Securities, Inc. In 2003, Melissa teamed with Andy as they became partners in Krosnowski & Scott, their shared private practice. Melissa serves as the Branch Manager and is responsible for compliance in the office. Melissa was born and raised in Westchester County, NY. In May 2003 Melissa earned he Certified Financial Planner designation and was married in August of 2004.

If you have a question or need additional information about your specific needs, we would be happy to assist you. Please call us at 888.901.8310 or click here.

Team Achievements

Our team has been recognized for outstanding achievement with First Allied by inclusion in the FASI's "Circle of Excellence" from 2000 to 2004. Our team has also been selected to participate in the "Chairman's Advisory Council by one of the nation's most highly respected money management firms. This "Council" honors the top 50 producing financial advisors through out the entire country.