AJ Freedom Financial was formed in January of 2018 named after the initials of the founders, Abigail and Joshua. The husband and wife duo teamed up with the vision increasing financial freedom through education and comprehensive planning.
We offer various financial services including full service brokerage accounts, money management, and various types of insurance. These instruments allow us access to stocks, bonds, mutual funds, third party money managers, annuities and life insurance. We do not play favorites with which type of investment is best, we simply look for the best type of investment for your situation. In addition in being open to many investment vehicles, we are independently contracted with many companies in order to choose the best fit for your needs.
We see it as our imperative to serve and guide you along your financial journey. It is not our job to tell you what you should do with your money. We will take a comprehensive assessment of your situation and goals, and then we make suggestions to optimize your resources.
Joshua Fallenstein
President/Investment Advisor Representative
Joshua Fallenstein is not only our President & Founder, he is also an Investment Advisor Representative. He has enjoyed a lifelong passion for financial markets and personal finance, a passion that has grown into more than a decade of professional experience serving clients as a financial professional. From an early age, he could be found reading The Wall Street Journal and hand-charting stock prices on graph paper, laying the foundation for a career built on analytical thinking and a deep interest in the markets.
Joshua attended Ithaca College, where he minored in Finance and graduated Cum Laude in 2000. His early career included working as a proprietary trader, teaching technical analysis courses for two years, and serving as a customer service representative for a discount brokerage firm. After a brief period with MassMutual, he became an independent insurance agent and stockbroker in early 2014.
In addition to his work in securities and insurance, Joshua has extensive experience in tax preparation and earned the prestigious Enrolled Agent (EA) designation from the IRS. His background in financial markets, taxation, securities, and variable life insurance provides him with a unique perspective when helping clients navigate complex financial decisions.
Combining his knowledge of investments, insurance strategies, and tax planning, Joshua is uniquely qualified to deliver comprehensive, creative, and multidimensional financial planning solutions tailored to each client’s individual goals and circumstances.
Abigail Fallenstein
Chief Financial Officer
Abigail Fallenstein graduated with high honors from Rutgers University in 2007, earning a Bachelor’s degree in Plant Science. Early in her career, she worked closely with farmers throughout New Jersey, helping implement conservation practices designed to improve environmental stewardship and agricultural sustainability. This hands-on experience developed her strong problem-solving skills, attention to detail, and passion for helping others succeed.
As Chief Financial Officer, Abigail plays a key role in guiding the financial direction and long-term success of AJ Freedom Financial. Responsible for licensing, overseeing budgeting, financial planning, cash flow management, and strategic business initiatives, Abigail works closely with leadership to ensure the firm’s continued growth and stability. With a focus on sound financial decision-making and operational efficiency, Abigail helps identify opportunities, manage risk, and support the resources needed to serve clients at the highest level.
Abigail loves learning new skills and exploring different hobbies, a trait that has led her from conservation work and farming to e-commerce, homeschooling, and the world of financial services. Her wide-ranging experiences give her a unique perspective and the ability to connect with people from all walks of life.
Alexandra Richey
Investment Advisor Representative
Alexandra (Alex) Richey is an Investment Advisor Representative with AJ Freedom Financial, serving clients throughout Bradford County and the surrounding communities. Alex holds the Series 7, Series 66, and Securities Industry Essentials (SIE) licenses, as well as Life and Health insurance licenses. She has also earned the respected Certified Trust and Fiduciary Advisor (CTFA) designation. Alex received her Bachelor’s degree in Accounting from Mansfield University.
As a passionate and holistic financial planner, Alex is dedicated to helping individuals and families make informed, confident financial decisions. She takes a relationship-focused approach, providing personalized guidance tailored to each client’s unique goals, values, and long-term aspirations. Alex believes that successful financial planning goes beyond investments, encompassing every aspect of a client’s financial well-being to create a clear path toward financial security and peace of mind.
Beyond her professional responsibilities, Alex is deeply committed to serving her community. She currently serves as President and Head of Fundraising for the Trojan Spike Club, a volunteer organization that supports local student-athletes and athletic programs. She is also an active member of the local Chamber of Commerce, where she enjoys building connections with fellow business leaders and supporting the continued growth of the region.
Alex resides in Gillett, Pennsylvania, with her husband, Andrew, and their two children, Annelise and Adrian. When she’s not helping clients pursue their financial goals, she enjoys spending time with her family and giving back to the community she proudly calls home.
Cheryl Page
Operations & Compliance Director
Cheryl Page serves as the Operations & Compliance Director at AJ Freedom Financial, bringing more than 27 years of experience in operations management, regulatory compliance, training, and administrative leadership. She oversees the firm’s daily operations, compliance initiatives, client service support, and marketing coordination, helping ensure the office runs efficiently while maintaining the highest standards of professionalism and regulatory oversight.
Before joining AJ Freedom Financial, Cheryl spent 17 years in the casino industry, where she specialized in regulatory compliance, employee training, and operational management. Her experience working within a highly regulated environment provided her with a strong foundation for navigating complex compliance requirements and implementing effective policies and procedures.
In addition to her compliance expertise, Cheryl has more than a decade of administrative and office management experience. She is known for her organization, attention to detail, and dedication to creating a positive experience for both clients and team members.
Outside of work, Cheryl enjoys spending time with family and friends, especially her grandchildren. She loves traveling, exploring new places, and spending time outdoors, whether enjoying nature, relaxing by the water, or embarking on her next adventure. Her commitment to excellence, strong work ethic, and passion for helping others make her an invaluable member of the AJ Freedom Financial team.
Brooklyne Middaugh
Executive Operations Associate/Paraplanner
Brooklyne Middaugh is an Executive Operations Associate/Paraplanner at AJ Freedom Financial , where she provides dedicated support to both clients and advisors. Known for her dependable nature, attention to detail, and strong organizational skills, she helps keep daily operations running smoothly while ensuring clients receive exceptional service. Whether assisting with administrative processes, coordinating behind-the-scenes tasks, or helping address client needs, Brooklyne takes pride in creating a positive and seamless experience for everyone she serves.
Before joining AJ Freedom Financial Insurance, Brooklyne worked as a job coach, helping individuals build confidence, develop workplace skills, and achieve their personal and professional goals. Through that experience, she discovered a passion for helping others succeed, a quality that continues to guide her work today.
As a lifelong resident of the area, Brooklyne values the strong sense of community and rural lifestyle she calls home. Outside of work, she enjoys gardening, caring for her animals, and spending time outdoors. She also loves traveling with her husband, especially beach getaways, and cherishes quality time spent with family and friends.
Brooklyne’s caring personality, strong work ethic, and commitment to helping others make her an important part of the AJ Freedom Financial Insurance team and a trusted resource for both clients and colleagues.
Madison Vargas
Client Services & Administrative Assistant
Madison Vargas serves as our teams Client Services & Administartive Assistant. where she plays a key role in supporting both clients and advisors. With a passion for helping people and a strong commitment to exceptional client service, Madison assists with client communications, new account paperwork, appointment scheduling, seminar planning, and a variety of administrative responsibilities that help keep the office running smoothly.
Known for her friendly personality, positive attitude, and willingness to go the extra mile, Madison is dedicated to creating a welcoming experience for every client. Whether she is preparing for an educational seminar, assisting with onboarding new clients, or providing behind-the-scenes support to the advisory team, she approaches every task with professionalism, efficiency, and care.
Outside of the office, Madison enjoys spending time outdoors and taking advantage of opportunities to explore nature. She loves hiking, fishing, and staying active, and she also has a passion for cars and automotive culture. At home, she enjoys relaxing with her two cats, who keep life entertaining. Madison is proud to be part of a team dedicated to helping individuals and families work toward their financial goals and looks forward to continuing her growth within the financial services industry.