SIPCNASDFirst Allied Securities Inc.
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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

Andy has been in the investment industry since 1985. He has taught investment classes for Montgomery Community College. He has had financial planning articles published in Physician's Assets and Dental Economics magazines and the Washington Business Journal. He provided investment management consulting commentary on the public television show "Money Matters." 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 into Dean Witter's Director's & President's Club (in recognition of outstanding achievement.) From 1999 to the present, Andy has been affiliated with First Allied Securities, Inc. Andy works very closely with his investment team (his partner Melissa and their support staff; Sue , Suzi and Larry). Outside of the office he enjoys participating in numerous outdoor activities (bird watching, fishing, tennis, cycling, swimming, hiking, and scuba diving). Over the past few years he hiked Mount St. Helens, Half Dome, Rainier and Kilimanjaro. Andy completed his first Olympic Distance Triathlon in 2002. He also enjoys traveling, reading, and spending time with family, especially his nieces and nephew and their dogs. In 2012 his tennis team the NOVA Racqueteers, won the USTA 4.0 men's National Championship.

Melissa Scott Paine

A graduate of American University, Melissa double majored in economics and international relations. Following completion of her degree, she began her professional career in 1996 with Dean Witter (now Morgan Stanley) where she 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. In 2013, Melissa and Andy teamed together to be partners in Krosnowski & Scott LLC, their shared private practice. Melissa serves as Branch Manager and is responsible for compliance in the office. In May 2003, Melissa earned the Certified Financial Planner® professional designation. In May 2008, Melissa received her Masters of Business Administration from Virginia Tech’s Pamplin School of Business. Melissa was born and raised in Westchester County, NY and is married to Robert, a FCPS civics teacher with two sons, Christopher and Joshua.

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 2012. 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.


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If you have any questions, please call us at 888.901.8310 or click here.

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Securities Offered Through First Allied Securities, Inc. - Member FINRA / SIPC