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Below are two questionnaires for clients to fill out in advance of their initial planning meeting. These confidential documents will be reviewed during that first meeting.
Confidential Financial Profile
Risk Tolerance Questionnaire
Client Data Sheet
Financial Planning: eMoney
Verizon Information Page
We specialize in comprehensive and customized financial planning and investing for clients in the Boston area and around the country.
25 Braintree Hill Park
Braintree, MA 02184-8731
Sextant Hill Office Park
90 Route 6A, Unit 4A
Sandwich, MA 02563
The Suites at 550
550 Cochituate Road
East Wing, 4th Floor, Suite 25
Framingham, MA 01701
Katie is the newest member of MSA Financial and joins the firm as a Financial Services Coordinator. Katie provides support to clients of Mike and Allie.
Katie attended Providence College and began her career in financial services at John Hancock, beginning as a sales assistant and then moving into a variety of marketing positions, ending her time there as a Marketing Specialist focusing on educational materials for long-term care products.
After spending 11 years at John Hancock Katie was fortunate to be able to spend several years at home raising her family before re-entering the workforce. She and her husband live in Milton with their three children and as a family they enjoy as many outdoor activities as they can find!
Jolie has provided Mike’s and now Allie’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.
Mike is a Partner at MSA and a CERTIFIED FINANCIAL PLANNER® 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 look 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.
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 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 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 reside in Milton.
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 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 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.
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.
Nancy originally joined Silver Investments in 1999 and became part of the MSA team in 2017. Nancy has built long-lasting relationships with many clients and has gained extensive wealth management industry knowledge and experience throughout her career. Nancy works primarily out of our Framingham office providing support to clients of Ryan, Mike and Brandon. Nancy is the mother of two millennials and lives in Holliston with her husband. She earned her undergraduate degree from Colby College and her MBA in finance and marketing from Babson College. Nancy is also a licensed Notary Public in Massachusetts.
Lindsey joined MSA Financial in October of 2017. She provides dedicated support to Rick and his clients. Lindsey is a graduate of Bridgewater State University and has been working in the financial services industry since graduating from college. Lindsey was a Client Operations Administrator for the Exchange Traded Funds (ETF) team at State Street Corp and she provided ongoing compliance-related operational and client service support for RIAs as an Operations Associate at AdvisorAssist.
Lindsey lives in Plymouth, and enjoys spending time with family and friends.
Susan has been providing financial services support to Bob and his clients for the past 10 years. Susan works out of our Sandwich, MA office. Her administrative responsibilities include setting up appointments for Bob, preparing paperwork for clients, answering the telephone, maintaining database reports to monitor appointments and IRA distributions, and providing service and support to Bob’s clients. Prior to joining Bob’s team, Susan worked in commercial banking for over 30 years, most recently as Sr. Vice President in Product Management at Bank of America in Boston. Susan lives in Mashpee, MA with her husband, Charles, and her dog, Bogey. She enjoys gardening, biking, cooking, eating out and traveling.
For over 30 years, Margie has worked with Jim to run Silver Investments, which became part of MSA Financial in 2017. Margie oversees all of the day to day operations in the Framingham office and uses her extensive experience to provide a high level of attentive personal service to all clients.
Margie is a licensed Notary Public in Massachusetts and she earned her Bachelor of Science from the University of Vermont. She lives in Natick with Jim where she enjoys playing golf and spending time with her two daughters and four grandsons.
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Shaun works out of our Framingham office. He was instrumental in the transition of Silver Investments clients to MSA Financial, and he became a permanent part of the MSA team in 2018. Shaun provides enthusiastic support to clients of Ryan, Mike and Brandon. He enjoys taking a client-first approach and providing tailored services to clients. Prior to MSA, Shaun worked as a Department Manager for a family-owned specialty food and wine store for 12 years, providing customer service and building relationships.
Shaun is a graduate of Worcester State University with a degree in Biology and Chemistry, he later went on to pursue post-graduate studies at the University of Massachusetts Medical School.
Shaun lives in Worcester and enjoys outdoor activities, cooking, and oenology.
Sarah provides dedicated support to Managing Director Paul Marino and his clients. She is devoted to providing outstanding customer service to all clients, while striving to build long-lasting relationships. Sarah earned a Bachelors in Business Management from Newbury College, and has over 5 years of experience in the financial services industry. She has a strong ability to streamline processes, maximize efficiency, and foster professional relationships within organizations. Prior to joining MSA Financial, she was the assistant and direct liaison to the partners of a financial advisory firm. She enjoys cooking, traveling, watching sports, and spending time with friends and family.
Allie joined MSA Financial from Morgan Stanley, where she was a Financial Advisor for 4 years. During her time there, Allie focused on creating customized financial plans for corporate executives, small business owners and entrepreneurs. She enjoys building long term relationships, helping clients identify their goals, and creating financial plans around their specific objectives.
Allie has spent her entire career in the financial services industry. Prior to Morgan Stanley, she spent 4 years as an analyst at BNY Mellon providing accounting, performance, risk, and compliance analysis to large corporate clients and financial institutions.
Allie holds the Series 7 (FINRA General Securities Representative), Series 66 (NASAA Uniformed Combined State Law Exam), and Massachusetts Individual Insurance Producer’s licenses. Allie graduated cum laude with a Bachelor of Science in Finance and Mathematics from Fairfield University.
Allie lives in Scituate with her husband Pat and enjoys traveling, golfing, skiing and spending time with her family.
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.
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.
Ryan joined MSA Financial after first spending 14 years with Raymond James and Deutsche Bank Securities. During his time at both firms he worked with a wide variety of clients including individuals, small business owners, large institutions and retirement plans to help meet their financial objectives through comprehensive investment strategies.
At MSA Financial, Ryan enjoys helping clients with identifying and prioritizing goals and developing customized strategies to accomplish them. Risk management is a central theme throughout the process in addition to reaching a solution that provides clients the confidence they desire in their financial planning decisions.
Ryan earned the Accredited Investment Fiduciary® designation in 2011 and subsequently achieved his CERTIFIED FINANCIAL PLANNER® certification in 2017. Ryan 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. Ryan graduated from Villanova University with a Bachelor of Science in Business Administration with concentrations in both Finance and Accounting.
Ryan lives in Hingham with his wife, two daughters and their Labrador retriever, Bailey. He loves spending time with his family, coaching his daughter’s soccer team and running.
Jim is a specialist in the field of investments and retirement planning. For over 40 years, he has and continues to counsel individuals on how to set and achieve their financial goals. He was a frequent speaker and contributor on retirement and investment topics and was the host of “Silver Talks Money” on WBIX 1060 in Boston from 2005-2009. Unlike many advisors who deal only with ultra-wealthy clients, Jim specializes in clients with investable assets between $50K – $2.5M. These clients generally have specific needs such as education financing, or balancing reasonable returns with practicing proper principal preservation strategies.
Jim was the former president of Silver Investment and Retirement Services. In October of 2017, he merged his firm into MSA Financial for the opportunity to continue to deliver to clients the attention to superior service, advice and total sensitivity to their needs that they have come to expect over the long term. Jim continues to operate out of the Framingham location, where his daily responsibilities include advising and counseling over 300 clients in many areas of retirement and personal finance.
Jim has a B.A. from American University in Washington, D.C. and earned his Chartered Life Underwriters designation and his Chartered Financial Consultant’s designation from the American College in Bryn Mawr, Pennsylvania. He was on the faculty of Northeastern University in the late 1980’s teaching courses in financial planning through their affiliation with the American College. Jim is licensed with the FINRA as a General Securities Principal.
Bob has been providing guidance to clients for over 30 years in the financial services industry. He affiliated with MSA Financial in June of 2016 after spending a good part of his career at Commonwealth Financial. Bob specializes in helping individuals, couples and families develop and implement sound financial strategies by providing comprehensive planning and investment advice. Bob especially enjoys the personal relationships he has developed with clients over the years.
Bob works out of his Sandwich, MA office and services many clients on Cape Cod and southeastern Massachusetts. Bob is a graduate of Fitchburg State College. Bob is thrilled to see his son, Brandon, follow in his footsteps and develop a similar appreciation for the industry. Bob lives in Sandwich, MA with his wife, Cathy, and enjoys skiing, golf and traveling.