Michael Massara
Full Picture Financial

Tel: 480-847-0373 Ext. 002
3785 East Lexington Ave
Gilbert, AZ 85234
Full Picture Financial | Financial Advisor in Gilbert ,AZ

Comprehensive, Customized and Collaborative

About Michael Massara

After a lifelong interest in the financial markets, I officially entered the financial services industry in 2014. My foundational experience in trading and customer service at Merrill Lynch led to an advanced position at Vanguard. While at Vanguard, I served on one their High Net Worth teams, routinely working with clients investing in excess of $1mil. At one point, I managed 640 households at around $1.7b. However, three years into my tenure, a family illness forced me to look for a more flexible workplace closer to home. I eventually took a position with Morgan Stanley as a financial advisor.

After discovering Full Picture Financial had combined the methodology of my previous positions with the freedom to break from the generic investment mold, it became clear that I could best serve those under my care as an independent representative. The abundance of opportunities to expand my knowledge and acumen, along with providing quality, holistic advice is what drives me. I also relish the chance to meet people of diverse backgrounds who share their unique perspectives and experiences.

Growing up, my father was a Finance Director for one of the larger cities in Arizona. The passion with which my father pursued his duties gave me a healthy respect for municipal employees and the financial services industry. I value the opportunity to affect the lives of those who serve and work in a positive manner. Prior to entering financial services, I obtained a Bachelor of Science degree in Management from Arizona State University's W.P. Carey School of Business. I also furthered my education by adding a Small Business Certificate in 2013. In addition, I obtained a Arizona Life and Annuity license and became a Arizona Public Notary in June 2021.

When I'm not optimizing portfolio efficiency or expanding my knowledge base, I spend time taking care of my mother and playing with my highly energetic dog adopted during the pandemic. I am also a movie aficionado, into indoor rock climbing, and play sand volleyball regularly. However, I find the most fulfillment lending a hand to several charitable organizations in the Valley, one of which makes frequent use of a retreat property in Northern Arizona.

About Full Picture Financial

Full Picture Financial (FPF) Advisors have greater than 30 years of combined financial experience meeting clients' goals. We provide a comprehensive, customized and collaborative experience. We offer our ideas, guidance and tips to improve your financial standing with no obligation in return. We also have a specialty in planning and asset management for Arizona Municipal Pension personnel (Arizona State Retirement System and Arizona Public Safety Personnel Retirement System).

Please know that we believe quantity doesn't means quality... No advisor with us will ever take on the responsibility of more than 80 households. Any more than that compromises our time to answer questions, manage portfolios, and research the issues affecting your financial success. We value our relationships with those we serve and believe in giving each person the detailed attention to their financial situation and portfolios deserve.

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General Information

Firm Start Year:   2016
No.of Employees:   2-4
Name of Custodial Firm:   Charles Schwab and TD Ameritrade
States Licensed in:   AZ
Number of Years with Current Firm:   1
Work Experience:   Full Picture Financial, Financial Advisor, 2022 - Present
Morgan Stanley, Financial Advisor, 2020 - 2021
Vanguard, High Net Worth Relationship Manager, 2017 - 2020
Merrill Lynch, Investment Specialist, 2014 - 2017
Work with the following types of clients:   Individual Investors, Businesses
Advisory Services Provided:   Financial Advice & Consulting, Investment Advice & Management, Portfolio Management, Retirement Planning, 401K Rollovers, Wealth Management, Money Management, Education Funding and Planning, Financial Planning for Individuals, Financial Planning for Businesses, Financial Planning


Investment Types:   Exchange Traded Funds (ETFs), Stocks, Alternative Investments, Bonds, Mutual Funds
Can meet clients in the following ways:   Our Office, Via Phone, Your Office, Via Email, Video Conference

Qualifications & Memberships

Insurance and Annuity Licenses:   Life, Variable Annuity, Variable Life, Annuity

Firm Information

Firm's Number of Clients:   170
Firm's Number of Managed Clients:   85
Assets Managed by Firm:   40000000

Compensation and Fees

Fee Structure:   Fee-Based
Compensation Methods:   Based on Assets, Hourly


Bachelor's of Science  - Management   Arizona State University  - Tempe, AZ
Certificate  - Small Business   Arizona State University  - Tempe, AZ


What are your qualifications? What is your education background?

Bachelor's of Science in Management, Arizona State University, 2010
Small Business Certificate, Arizona State University, 2013
FINRA Series 7, 2014
FINRA Series 63, 2014
FINRA Series 66, 2019
AZ Life and Annuity, 2021
AZ Public Notary, 2021

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

Fee-based after a client joins the firm for either assets under management or per planning session. However, our advice, guidance and support doesn't stop at just the account(s) we are servicing. We will assist with your entire financial picture (including everyone in your family), and even guide you in the right direction if it requires someone in another industry. Most questions we can thoroughly answer due to our well-rounded knowledge and experience in the industry.

What financial institution(s) do you represent?

We work directly for Full Picture Financial as an Independent Financial Advisors. However, we use a third party company called Dynamic Wealth Advisors (DWA) for our back office and compliance. While they provide the technology, platform, products and services, our company has the sole discretion to determine what we use. We always look through the lens of how to operate effectively while keeping costs down so we can best serve our clientele and do what's in their best interest.

What are your fees for this service?

Please see our fee structure at... https://fullpicturefinancial.com/transparency/



Dynamic Wealth Advisors dba Full Picture Financial, LLC provides links for your convenience to websites produced by other providers or industry related material. Accessing websites through links directs you away from our website. Dynamic Wealth Advisors dba Full Picture Financial, LLC is not responsible for errors or omissions in the material on third party websites, and does not necessarily approve of or endorse the information provided. Users who gain access to third party websites may be subject to the copyright and other restrictions on use imposed by those providers and assume responsibility and risk from use of those websites. While we appreciate your comments and feedback, please be aware that any form of testimony from current or past clients about their experience with our firm on our website or social media platforms is strictly forbidden under current securities laws.


Investment Advisor Representative:


Acknowledged fiduciary:


Compliance Disclosures in Last 5 years:

I have a clean record

Criminal Disclosures in Last 5 years:

I have a clean record

Office Hours

Mon. 8:00 AM - 5:00 PM
Tue. 8:00 AM - 5:00 PM
Wed. 8:00 AM - 5:00 PM
Thu. 8:00 AM - 5:00 PM
Fri. 8:00 AM - 5:00 PM

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