From advisor to support staff, everyone is focused on one goal – to build and manage a plan that strives to achieve your goals for a confident financial future

Our Financial Advisors are CERTIFIED FINANCIAL PLANNER™ Practitioners.  That designation means they have the education, experience and ethical standards to develop sophisticated, practical financial investment advice.  Our support team brings knowledge, experience and good humor to every client interaction.

 Your Personal Plan

Living your life with financial confidence begins with your goals and a trusted advisor.

Paul Marino and Rick Stram met early in their careers as Senior Financial Advisors at Ameriprise Financial. While successful there, both were drawn to becoming independent advisors. They believed then, as now, that clients are better served when advisors choose investments based on the best interest of the client, not influenced by incentives or bonuses.

In 1997, Paul and Rick founded Marino, Stram and Associates, LLC., now MSA Financial, in Braintree, Mass. Today the company is building wealth for clients in New England and across the nation.

Paul Marino, CFP®

Paul Marino, CFP®

FINANCIAL ADVISOR, MANAGING DIRECTOR

Managing investment risk is the cornerstone of Paul’s wealth management approach and his mantra. He points to the financial crash in October 1987 as the moment that shaped his overall approach to advising. He is outspoken about the importance of risk management to clients and with the staff.

Paul brings significant insight and experience to every client relationship. His career began at Drexel Burnham Lambert and grew at IDS American Express, now Ameriprise Financial Inc., where he met Rick Stram. In 1997, Paul and Rick co-founded their firm, Marino, Stram & Associates.

Paul is a CERTIFIED FINANCIAL PLANNER™ Practitioner. He is a member of the Financial Planning Association and Financial Services Institute. He earned a Bachelor of Science degree in Finance from Bentley University. Paul holds the Series 7 (FINRA General Securities Representative), Series 63 (NASAA Uniform Securities Agent State Law Exam), Variable Life and Annuity, and Massachusetts Individual Insurance Producer’s licenses.

Paul lives in Boston with his wife and son. He loves the outdoors, especially skiing, cycling and running.

Richard E. Stram, CFP®

Richard E. Stram, CFP®

FINANCIAL ADVISOR, MANAGING DIRECTOR

Rick became a financial advisor in 1987 when he joined IDS American Express, now Ameriprise Financial Inc., after graduating from the University of Vermont with a Bachelor of Arts in Economics and Political Science.

He earned the designation of CERTIFIED FINANCIAL PLANNER™ Practitioner in 1991. In 1997 he co-founded Marino, Stram & Associates with Paul Marino with a conviction that he wanted to represent the interests of his clients as an independent advisor.

Rick is passionate about the financial industry and its role in providing people with financial security. He has lobbied on behalf of the Financial Services Institute (FSI) in Washington, DC, most recently regarding improving regulation and oversight of financial advisors. Rick holds the Series 24 (FINRA General Securities Principal), Series 7 (FINRA General Securities Representative), Series 65 (NASAA Investment Advisors Law Exam), Series 99 (Operations Professional), Massachusetts Individual Insurance Producer’s License, and Variable Life and Annuity licenses.

Rick lives in Brookline with his wife and three children. He loves spending time with his family and is an avid skier and golfer.

Michael Cammarata, CFP®

Michael Cammarata, CFP®

FINANCIAL ADVISOR, PARTNER

Mike is a Partner at MSA and a CERTIFIED FINANCIAL PLANNER(R) practitioner. Interacting with clients and guiding them toward a confident and comfortable retirement is Mike’s priority.

Mike develops comprehensive financial plans and asset management strategies for a variety of clients. He has a unique and specialized knowledge of Verizon’s benefits, including pensions and 401K savings. He offers active and retired Verizon employees guidance to plan and execute their retirement.

Mike also supports small business owners, especially those in professional services. These owners looks to Mike to help them keep more of what they make through comprehensive financial planning, retirement plan construction and tax planning.

Mike joined MSA in 2004. He is a graduate of St. Anselm College in Manchester, NH with a Bachelor of Arts in Financial Economics. He holds the Series 7 (FINRA General Securities Representative), Series 63 (NASAA Uniform Securities Agent State Law Examination), Series 66 (NASAA Uniform Combined State Law Exam), Variable Life and Annuity, and Massachusetts Individual Insurance Producer’s licenses.

Pamela Cunningham, MBA, CFP®

Pamela Cunningham, MBA, CFP®

FINANCIAL ADVISOR, SENIOR ASSOCIATE

Pam joined MSA in 2007 after a 26-year career at Verizon where she held director positions in Operations and Finance. Having a keen understanding of Verizon’s organization and culture, and expertise in employee benefits, 401K, pension, severance and deferred compensation plans, she is uniquely qualified to serve Verizon employees and retirees.

Pam enjoys working with a wide range of clients, and developing personalized financial plans and asset management strategies. She is passionate about educating her clients about their financial choices and coaching them toward achieving their financial goals and the retirement lifestyle they want.

Pam earned the CERTIFIED FINANCIAL PLANNER® certification in 2012 after completing courses at Boston University. Pam holds the Series 7 (FINRA General Securities Representative), Series 66 (NASAA Uniformed Combined State Law Exam), Variable Life and Annuity, and Massachusetts Individual Insurance Producer’s licenses.

Pam graduated summa cum laude from Colby College and earned a Master of Business Administration in Finance from Northeastern University. She is a member of honor societies Phi Beta Kappa and Beta Gamma Sigma, as well as professional organizations including the Financial Planning Association and Financial Services Institute.

Brandon Roy

Brandon Roy

ASSOCIATE

Brandon joined MSA in 2016. He is a graduate of Bentley University in Waltham, MA with a Bachelor of Science in Finance. He holds the Series 7 (FINRA General Securities Representative) and the Series 63 (NASAA Uniform Securities Agent State Law Examination).

Denise Del Monaco

Denise Del Monaco

DIRECTOR OF COMPLIANCE

Denise is responsible for the implementation, maintenance and enforcement of MSA’s compliance program designed to prevent, detect, document and correct violations of the Investment Advisers Act of 1940 and all of its associated rules and regulations. She also has functioned as Acting Principal for the firm’s OSJ branch office compliance program since obtaining her Series 24 (FINRA General Securities Principal) license in 2014. Additionally, Denise supervises the accounting, technology, human resources, project management and corporate communications functions at MSA. Prior to this role, Denise spent eight years as a former CFP® practitioner supporting MSA clients, developing comprehensive financial plans and managing portfolios. She holds her Series 7 (FINRA General Securities Representative) and Series 66 (NASAA Uniform Combined State Law Exam) securities licenses.

Denise graduated magna cum laude with a Bachelor of Science in Finance and continued on to earn a Master of Science in Financial Planning from Bentley University. She lives in Braintree with her husband and three children. Denise has been a member of MSA’s team since 2004.

Keri Sullivan, MBA

Keri Sullivan, MBA

OPERATIONS ADMINISTRATOR

Keri joined MSA in 2016. She provides a wide variety of operational support, including but not limited to accounting, finance, technology, human resources and project management. Keri specializes in streamlining the back office processes and procedures and creating more efficient workflows. Prior to joining the MSA team, Keri worked exclusively in the financial services industry, functioning in a variety of both Corporate Finance and IT roles.

Keri is a graduate of Providence College with a Bachelor of Science in Accounting. She earned her Masters of Business Administration from Boston University. Keri is a mother of four; she and her husband and children live in Milton.

Lisa Plunkett

Lisa Plunkett

FINANCIAL SERVICES COORDINATOR

Since 2010, Lisa has provided administrative support to Rick and his clients. With over a decade of financial industry experience, Lisa applies this knowledge and expertise to every client interaction.

Lisa is a licensed Notary Public in Massachusetts. She earned her Bachelor of Science in Business Management from the University of Massachusetts at Boston. Lisa also successfully completed the Financial Paraplanner course through the College for Financial Planning at Boston University in 1993. She lives in East Bridgewater with her husband and three children.

Susan Richards

Susan Richards

REGISTERED FINANCIAL SERVICES COORDINATOR

Susan provides dedicated support to Paul Marino and his clients. She joined MSA in 2011 having more than 17 years of experience in the financial services industry.

Susan studied Medical Practice Management and Multi-Media Art at Grossmont College in El Cajon, CA. She holds her Series 7 (FINRA General Securities Representative) and Series 63 (NASAA Uniform Securities Agent State Law Examination) licenses.

Arielle Leonard

Arielle Leonard

FINANCIAL SERVICES COORDINATOR

Arielle has provided dedicated support to Paul Marino and his clients since joining MSA in 2015. She has more than 5 years of wealth management industry experience and knowledge.

Arielle graduated Cum Laude from the University of Massachusetts- Dartmouth with a Bachelor of Science in Finance. Prior to MSA, she interned with Ameriprise Financial and continued a career with them for 3 years after graduating from college. Arielle lives in Taunton with her dog Toby.

Jolie Lavalle

Jolie Lavalle

REGISTERED FINANCIAL SERVICES COORDINATOR

Jolie has provided Mike’s and Pam’s clients with enthusiastic service and support since she joined MSA in 2012. She has more than 15 years of wealth management industry knowledge and experience.

Jolie holds the Series 7 (FINRA General Securities Representative) and Series 63 (NASAA Uniform Securities Agent State Law Examination) licenses and is a licensed Notary Public in Massachusetts. She is a graduate of Wellesley College where she earned her Bachelor of Arts in Sociology.

Harriet Carroll

Harriet Carroll

RECEPTIONIST

Harriet Carroll is the friendly voice that answers the phone and welcomes clients and visitors to the MSA office. She also confirms client appointments and provides clerical and administrative support to the MSA staff.

Harriet joined the team in 2013. Prior to MSA, she spent 20 years in the corporate offices of Talbots, a retail clothing organization, where she was responsible for training and computer systems.

Harriet lives in Weymouth with her husband and son.

Your Personal Plan

Living your life with financial confidence begins with your goals and a trusted advisor.

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