JAMESBURG, N.J. - When 78-year-old Tom Farino wants to see his broker, he heads straight to his local bank branch - and strolls right past it.

Mr. Farino, a retired farmer and businessman in this town of 25,000 not far from Princeton, takes his investment dollars to an Edward D. Jones & Co. broker, whose office is tucked in a hallway just five or six steps beyond the bank entrance.

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