Fraj is the CEO and lead portfolio manager of the Next Level Financial Network. A graduate of Cornell University, Fraj’s career in financial planning and money management spans over 45 years. His experience has earned him the respect of financial professionals across the United States. Since joining Money Concepts in 1993, Fraj has become a Certified Financial Manager (CFM) and an Accredited Investment Fiduciary Analyst (AIFA®). He is responsible for the design and rebalancing of portfolios, the selection of holdings, and the development of the security selection methodology.

Fraj established the Next Level Financial Network to assist, train, and improve experienced financial planners, advisors, and other professionals' skills to better serve the clients in accomplishing their financial objectives and planning for the next generation. 

Nancy Greene has been the Co-Regional Director for the Next Level Financial Network since joining Money Concepts in 1995. Nancy has earned several designations, including AIF®, CFS®, and MRFC®. She brings a wealth of experience in portfolio research and management, particularly overseeing the ESG Select Portfolio for the Investors Advantage GPS program, which identifies environmentally and socially responsible companies that meet the manager's strict security selection standards. In 2019, she earned the CSRIC® (Chartered SRI Counselor) designation, further enhancing her extensive knowledge and passion for sustainable investing.

Chadley, a former high school teacher of twelve years, graduated from Fordham University with B.S. degrees in Philosophy and Science. He joined the Next Level Financial Network and is now a Certified Financial Planner®, using his background in teaching to guide clients with financial education and understanding of how to achieve their goals. In addition to his role as a financial planner, Chadley serves as the Executive Director and portfolio manager for Investors' Advantage Portfolios.

Julie is a graduate of Pace University with a bachelor’s degree in finance. She joined the Investors' Advantage Portfolios team in January of 2010 as an administrator of financial professionals and serves as the liaison between the IAP management team and Money Concepts associates worldwide. In addition, Julie is currently associated with the Next Level Network as an administrator

Andrew is a graduate of William Paterson University with a B.S degree in Communications. After working in television news as a video/graphics editor for five years, he joined the team in April of 2021 as the VP of Marketing overseeing all marketing strategies and campaigns for the Investors’ Advantage Portfolios. His duties include producing and editing long and short form videos, designing promotional products, and helping with administrative tasks for the program. Andrew now offers the same services to the Next Level Financial Network.

Tyler graduated from the State University of New York at Oneonta with a bachelor’s degree in business economics in May of 2023. He returned to the Investors’ Advantage Portfolios in May 2023 after multiple summer internships from 2017 to 2022. Tyler continues to move to the next level professionally at the Next Level Financial Network, elevating his quality of financial analysis under the guidance of senior leadership. Tyler aspires to attain the Chartered Financial Analyst (CFA) designation, a prestigious credential that will enhance his analytical skills and marketability within the financial industry.

John is a graduate of Queens College, CUNY, with a BA in Economics and holds an MBA from Long Island University. With over forty years of experience in Commercial Banking, John’s career spans Corporate Finance and Acquisition Finance, with a strong foundation in Credit Analysis, which he leverages in assessing fixed income opportunities. Licensed for securities sales since 1985, John’s banking career concluded in 2017. Since then, he has dedicated his focus to Personal Financial Planning, bringing a wealth of experience and insight to the Next Level Financial Network.

Lisa Stanford has been in the financial services industry since 2006, when she joined Money Concepts. She has served as the Service Liaison for the Next Level Financial Network team since 2018. In addition to her role at the firm, Lisa runs a Remote Administrative Assistance Company called Virtually Yours. Outside of work, she is deeply involved in her community, frequently planning, organizing, and participating in various events. Lisa is dedicated to providing exceptional service and is passionate about helping people in all aspects of her life.

Hello,

My name is Richard Frantz.  I am an Investment Professional with Money Concepts, a Wealth Management and Financial Planning organization serving its clients since 1979.

My career began in 1992 when the Dow was just 3300.  After many years on wall street, problem solving for the largest and most well-respected institutions around the globe, my priorities have shifted closer to home and family, where I split my time between northern New Jersey and Florida.

I now leverage my time, experience, and deep understanding of financial markets to help my clients reach their important life milestones.

The financial industry was built on trust. Quite literally, a handshake and one’s word. It is this same trust that brought me full circle, where the journey of a thousand miles began in 1992, to Money Concepts, and a handshake with the clients I’ve sworn to serve.

What is important to me is to understand what is top of mind for my clients – that I may deeply serve them, and that in turn my clients know who I am, and the values I bestow.  Come speak with me, shake my hand, and tell me – what is important to you?

You should also know that, as an Independent Investment Professional, I am neither bound nor restricted to proprietary, or company sponsored products.  I have thousands of financial products available to me that I can tailor to your unique situation. This should be very important to you.

At Your Service,

Richard G. Frantz | Your Money Concepts Financial Advisor

“If you want to build a ship, don’t drum up people to collect wood and don’t assign them tasks and work, but rather teach them to long for the endless immensity of the sea”.

-Antoine de Saint-Exupery