About MSA Financial

Helping people live their lives with financial confidence. Being able to live through life stages into retirement begins with making good decisions about your financial future. Partnering with a seasoned firm with knowledgeable, trusted financial advisors who understand your needs can make these important choices easier. Experience We have managed money through some dramatic markets. Today's investing environment is no less dynamic. Managing risk is how best to stay ahead. What we do best is seek the opportunities amid all the changes and volatility. We take a holistic approach to protecting and safeguarding client portfolios. Expertise Our advisors help clients envision how they can afford to retire. By creating a personal plan, we work to maximize the income and minimize the risks of volatile markets. We actively manage your financial portfolio and keep you informed all along the way. Independence We are an independent firm. This means we have access to a myriad of investment choices and have no allegiance to any company in particular. Our financial advice and investment recommendations are unbiased and firmly rooted in our client's needs and goals. Let us help you live your life with financial confidence.

General Information Years of Experience in Financial Services:    14 Gender:    Male CRD#:    4846748 Work Experience:    MSA Financial - August 2004-Present Firm CRD#:    107768 States Licensed in:    MA Name of Custodial Firm:    Fidelity Investments Number of Years with Current Firm:    14 Work with the following types of clients:    Businesses, Individual Investors, Non-Profit Organizations Name of Broker/Dealer:    Securities America States Willing to do Business in:    Abington,Allston,Attleboro,Attleboro Falls,Avon,Bedford,Boston,Bridgewater,Brighton,Brockton,Burlington,Cambridge,Canton,Charlestown,Cohasset,Dedham,Dover,Duxbury,East Bridgewater,East Taunton,East Walpole,Foxboro,Framingham,Franklin,Halifax,Hanover,Hanscom Afb,Hanson,Hingham,Holbrook,Holliston,Hull,Hyde Park,Jamaica Plain,Lincoln,Lynn,Lynnfield,Mansfield,Marblehead,Marshfield,Mattapan,Medfield,Medway,Middleboro,Millis,Natick,Norfolk,North Attleboro,North Dighton,North Easton,North Pembroke,Norton,Norwell,Norwood,Peabody,Pembroke,Plainville,Plympton,Raynham,Reading,Rockland,Roslindale,Salem,Scituate,Sharon,Sherborn,South Easton,South Walpole,Stoughton,Sudbury,Taunton,Wakefield,Walpole,Waltham,Wayland,West Bridgewater,West Roxbury,Westwood,Whitman,Winchester,Woburn,Wrentham, RI Advisory Services Provided:    Financial Planning for Businesses, Financial Planning for Individuals, Retirement Planning, Portfolio Management, Financial Advice & Consulting

Services Investment Types:    Mutual Funds, Options & Futures, Bonds, Stocks, Annuities, Insurance, Exchange Traded Funds (ETFs), Alternative Investments Can meet clients in the following ways:    Your Office, Email, Phone, Our Office, Your Home, Video Conference

Qualifications & Memberships Certifications, Accreditations & Designations:    CFP® Securities Licenses:    Series 7, Series 63, Series 66 Insurance and Annuity Licenses:    Variable Life, Long Term Care, Variable Annuity, Life, Health, Annuity, Accident, Disability Financial Organization Memberships:    Financial Planning Association (FPA)

Firm Information Assets Managed by Firm:    $550,000,000 Assets Managed by Advisor:    $110,000,000 Advisor's Number of Clients:    150 Firm's Number of Clients:    1500 Advisor's Number of Planning Clients:    150 Advisor's Number of Managed Clients:    150 Firm's Number of Planning Clients:    1500 Firm's Number of Managed Clients:    100+

Compliance Criminal Disclosures in Last 5 years:    Have a clean record Compliance Disclosures in Last 5 years:    Have a clean record Registered Investment Advisor:    Yes Registered Representative:    Yes Acknowledged fiduciary:    Yes

Compensation and Fees Hourly Rate:    $250 Fee % Based on Assets:    1.00 Additional Details on Charges:    Each client is different and a initial consultation is needed to figure out compensation structure Compensation Methods:    Based on Assets, Hourly, Flat Fee, Commissions Minimum Portfolio Size for New Managed Accounts:    250000 Fee Structure:    Fee-Based Minimum Fee Charged for Hourly Planning Accounts:    $250 Flat Fee Rate:    $1,800

Frequently Asked Questions

Q.	Do you have a customer satisfaction or refund policy?

Q.	What are your qualifications? What is your education background?

Q.	How are you compensated? How will I pay for your services?

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?

Q.	How many clients do you currently manage?

Q.	Will you be the only person working with me?

Q.	Do you offer any guaranteed results?

Q.	How much risk should I be willing to take?

Q.	Have you ever been charged with any breaches?

Q.	What is your approach to financial planning?

Q.	What services do you offer?

Q.	Why should I choose you as my financial advisor?

Q.	How do you charge for your services?

Q.	What services do you provide? What are your specialties?

Q.	What is your experience? How many clients do you currently manage?

Q.	What financial institution(s) do you represent?

Q.	What are your qualifications?

Q.	What is your approach to 401 K plan rollovers?

Q.	How long does the process of rolling over a 401K plan usually take?

Q.	What financial institutions do you represent?

Q.	How many years of experience do you have?

Q.	What are your fees for this service?

Q.	How many 401K rollover clients do you currently manage?

Q.	Why should I roll over my 401K plan to your firm?

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Q.	Do you have a customer satisfaction or refund policy?
One of our main goals is to provide exceptional personal service to our clients. All fees associated with our work are discussed up-front and collected at the end of the financial planning process to ensure that potential clients are happy with the work we are doing.

Q.	What are your qualifications? What is your education background?
We help our clients achieve their financial objectives by developing a comprehensive, personalized plan and work closely with them to monitor their plan over time. We help clients organize and understand their financial lives while tracking progress towards achieving their financial goals.

Q.	How are you compensated? How will I pay for your services?
>Initial consultations are provided at no cost >Fixed-fee financial planning varies based upon the complexity of the financial plan that is created ($250-$1800) >Fee-only financial consulting is based on an hourly fee of $250 per hour >Investment advisory fee is generally 1% of account value per year.

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?
I will be the primary relationship manager.

Q.	How many clients do you currently manage?
Approximately 150

Q.	Will you be the only person working with me?
Changes made are discussed with each client.

Q.	Do you offer any guaranteed results?
Because of the nature of investing, we do not guarantee results. It would be inappropriate to do so.

Q.	How much risk should I be willing to take?
A comprehensive risk analysis including financial planning should be completed before any decisions on risk level should be made. You should be able to answer the question: How aggressive do I need to be and how conservative can I afford to be? The only way to answer this question is with a thorough analysis.

Q.	Have you ever been charged with any breaches?
No

Q.	What is your approach to financial planning?
At the heart of our relationship, you will have the assurance that you will consistently receive sound financial advice that is in your best interest and you fully comprehend. As a Certified Financial Planning Practitioner(r) I strive to build long-lasting relationships with my client and I will work tirelessly to earn your trust and confidence on an ongoing basis.

Q.	What services do you offer?
Capabilities/Specialties: > Comprehensive Financial Planning > Asset Allocation and Investment Management > Retirement Planning > Estate Planning > Planning for business owners > Evaluation of employee benefit plans > Protection Planning / Risk Management > Education Planning > Income Distribution planning

Q.	Why should I choose you as my financial advisor?
Mike graduated from St. Anselm College in Manchester, New Hampshire with a B.A. in Financial Economics in May 2004. He has obtained his Series 7, Series 63 and Series 66 licenses. He also holds the Massachusetts Individual Insurance Producers License. Mike is also a member of the Financial Planning Association and is a Certified Financial Planner Practitioner(r).

Q.	How do you charge for your services?
>Initial consultations are provided at no cost >Fixed-fee financial planning varies based upon the complexity of the financial plan that is created. Fees range from $250-$1800 >Fee-only financial consulting is based on an hourly fee of $250 per hour >Investment advisory fee is generally 1% of account value per year

Q.	What services do you provide? What are your specialties?
Capabilities/Specialties: > Comprehensive Financial Planning > Asset Allocation and Investment Management > Retirement Planning > Estate Planning > Planning for business owners > Evaluation of employee benefit plans > Protection Planning / Risk Management > Education Planning > Income Distribution planning

Q.	What is your experience? How many clients do you currently manage?
Mike graduated from St. Anselm College in Manchester, New Hampshire with a B.A. in Financial Economics in May 2004. He has obtained his Series 7, Series 63 and Series 66 licenses. He also holds the Massachusetts Individual Insurance Producers License. Mike is also a member of the Financial Planning Association and is a Certified Financial Planner Practitioner(r). Approx. 150 clients

Q.	What financial institution(s) do you represent?
We are independent advisors that represent our clients as opposed to a particular company.

Q.	What are your qualifications?
Certified Financial Planner Practitioner (r)

Q.	What is your approach to 401 K plan rollovers?
As with all financial decisions, each 401(k) plan rollover should be dealt with within the context of the overall financial plan.

Q.	How long does the process of rolling over a 401K plan usually take?
1-7 business days depending upon the custodian.

Q.	What financial institutions do you represent?
We are an independent firm. However, we custody client assets at Fidelity Institutional Wealth Services.

Q.	How many years of experience do you have?
14

Q.	What are your fees for this service?
Please see fee explanation section

Q.	How many 401K rollover clients do you currently manage?
150

Q.	Why should I roll over my 401K plan to your firm?
We help our clients achieve their financial objectives by developing a comprehensive, personalized plan and work closely with them to monitor their plan over time. We help clients organize and understand their financial lives while tracking progress towards achieving their financial goals.