Joseph J. Osherow became a registered representative of Securities America, Inc. and joined Wealth Management Associates, Inc. as an investment advisor representative in September 2005. He was a financial advisor with Morgan Stanley Dean Witter, Inc. (February 2003 - August 2005), a financial advisor with Wachovia Securities, Inc., (June 2002 - February 2003), and a financial advisor with First Union Securities, Inc.(October 1999 - June 2002). Joe earned a BA from Ursinus College with majors in Accounting and Economics. He received designations from the College of Financial Planning as an Accredited Asset Management Specialist (AAMS) in 2000; as a Chartered Mutual Fund Counselor (CMFC) in