Joseph Lowry Jr. is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has been a co-owner and principal at Lowry & Lowry, Inc. since 2008. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm offers a range of advisory programs and back-office support, including investment management, compliance, and technology services, enabling advisors to construct client portfolios from a broad selection of securities and insurance products.

Joseph Lowry is a ChFC® with 44 years of experience in the financial services industry. He is the president and co-owner of Lowry Financial Advisors and has held leadership roles at related entities including Lowry & Lowry, Inc. Lowry is also the author of the book "Thanks Mom." Lowry Financial Advisors is a small, three-advisor firm that provides financial planning and wealth management services to individuals, families, and retirement plans. The firm emphasizes planning-driven advice using portfolio analysis tools and offers project-based or ongoing retainer engagements rather than discretionary asset management.

Cale Flage is a CFP®-certified financial advisor with 11 years of industry experience. He is affiliated with Lowry Financial Advisors and has worked there since 2017. Prior to that, he was with Cetera Advisors LLC from 2015 to 2017. In addition to his advisory role, he operates a business consulting activity based in Gainesville, FL. Lowry Financial Advisors serves individuals, families, and pension and profit-sharing plans by providing financial planning and wealth management advice focused on project-based planning and retainer relationships. The firm uses planning tools and portfolio analysis methods such as Monte Carlo simulations and modern portfolio theory, offering insurance services alongside advisory work without discretionary portfolio management or percentage-based asset fees.