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How We Work

How We Work

Our reasons for becoming financial professionals are deeply personal. We repeatedly saw many friends and family struggling to find the help they needed to map out their financial future. We are confident that with our understanding of personal finance, coupled with our training as financial professionals, we can help people better prepare for the future. After years in the business, we have developed a reputation for educating individuals in an easy-to-understand manner so they can grasp personal finance and use those concepts to pursue their financial objectives. We feel a commitment to our community.

Our team approach adds perspective to all we do and provides increased benefits to our clients.

Meet Our Team


Mark V. Carlozzi

(330) 758-8360

Mark V. Carlozzi is a 1982 graduate of Youngstown State University where he obtained a Bachelor's degree in Business Administration with a minor in Economics. He began selling life insurance while still attending YSU. Upon graduating, he continued to build his client base. In 1986, Mark obtained his first securities license, and began offering financial and investment services. He has received numerous awards and recognitions for his production and client services over the years.

Mark is a lifelong resident of the Mahonig Valley, having graduated from Campbell Memorial High School. He has resided in Poland since 1996 with his wife, Joyce. They have 3 children. Mark has been involved in the Poland community throughout the years.

Mark is currently an Investment Advisor Representative with American Portfolios Financial Services, Inc. He holds the Series 6, 7, 24 and 63 securities registrations and is also licensed to provide life insurance.

To meet with Mark, contact us today by phone at (330) 758-8360 or by email at


Kathy A. Stoner

Kathy joined Carlozzi Financial Services in 2011 as an Administrative Assistant due to the growth of the firm's wealth management practice.

She handles business processing and also assists in the daily duties of the office.

Joyce K. Carlozzi

Joyce has worked at Carlozzi Financial Services throughout the years handling their accounting duties. She came on full-time at the end of 2020 as Executive Assistant/Controller.

She received her Bachelors Degree in Accounting from Youngstown State University and has worked in various industries as Senior Accountant and Controller.

Joyce manages the office, performs all the accounting functions and is responsible for Client Servicing and Business Processing.