Joseph Fermano is a financial advisor with OSAIC, holding a Series 63 designation and over 43 years of experience in the industry. His prior roles include positions at Securities America Advisors, Inc., SECURITIES AMERICA, Inc., and Securities Service Network, Inc. In addition to his advising work, he is the author of a book of inspirational quotations and serves as Board Chair for St. Teresa Regional School in Runnemede, NJ. He also maintains a motivational training and human behavior consulting business. OSAIC serves a broad range of retail and institutional clients through a network of affiliated advisers, offering integrated brokerage, investment advisory services, and access to multiple third-party money managers and wrap programs. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.