Michael Cammarata
MSA Financial

Tel: (781) 843-3500
25 Braintree Hill Park
Suite 205
Braintree, MA 02184

Envision>>Plan>>Act

MSA Financial | Financial Advisor in Braintree ,MA

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

Firm Start Year:   1997
No.of Employees:   10-19
Name of Broker/Dealer:   Securities America
Name of Custodial Firm:   Fidelity Investments
States Licensed in:   MA
Number of Years with Current Firm:   14
Work Experience:   MSA Financial - August 2004-Present
I work with the following types of clients:   Businesses , Individual Investors , Non-Profit Organizations


Services

Investment Types:   Bonds , Stocks , Insurance , Mutual Funds , Alternative Investments , Exchange Traded Funds (ETFs) , Options & Futures , Annuities
I can meet clients in the following ways:   At your office , Via email , Via phone , At my office , At your home , Video Conference


Qualifications & Memberships

Insurance and Annuity Licenses:   Disability , Accident , Annuity , Health , Life , Variable Annuity , Long Term Care , Variable Life
Financial Organization Memberships:   Financial Planning Association (FPA)


Firm Information

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


Compliance

Registered Investment Advisor:   Yes
Registered Representative:   Yes
I am an acknowledged fiduciary:   Yes
Compliance Disclosures in Last 5 years:   I have a clean record
Criminal Disclosures in Last 5 years:   I have a clean record


Compensation and Fees

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


Board Positions

Organization:  Securities America, Inc.  Omaha, NE
Position :  Next Generation Advisory Council
Duration :  01/01/2013-Currently holding


Education

Bachelors  - Financial Economics  St. Anselm College - Manchester, NH
09/2000- 05/2004



Faqs

  • 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.
  • What are your qualifications? What is your education background? 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).
  • What is your approach to financial planning? 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.
  • 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
  • How many clients do you currently manage? Approximately 150
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Disclosures

Please see my website for additional information and disclosure. www.msaplan.com


Disclaimer

Please see my website for additional information and disclosure. www.msaplan.com https://brokercheck.finra.org/

Michael Cammarata

Michael Cammarata

CERTIFIED FINANCIAL PLANNER™ Certificant


Mike is a Partner at MSA Financial and a CERTIFIED FINANCIAL PLANNERĀ® practitioner. Interacting with clients and guiding them toward a confident and comfortable retirement is Mike's priority.

Mike specializes in helping individuals, couples and families develop and implement sound financial strategies by providing comprehensive planning and investment advice. Mike especially enjoys the personal relationships he has developed with clients over the years.

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 extensive financial planning, retirement plan construction and tax planning.

Mike joined MSA Financial 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 Producers licenses.

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My Services


Financial Advice & Consulting

ENVISION>Explore how you want to live and work, the goals you want to achieve and the milestones, transitions you foresee along the way. PLAN>Develop a customized and comprehensive asset management and income plan based on and your goals, risk tolerance and proven financial planning principles. ACT>Put your plan into motion, actively managing and monitoring your portfolio and working with you along the way to pursue your goals.


Financial Planning for Individuals

Mike will build a financial blueprint with a complete, organized view of your current financial health, retirement goals and objectives. Using your vision of retirement, we put together a financial plan that reflects your assets, income needs, risk tolerance, tax requirements, insurance needs and more. When complete, we closely monitor and review the plan to stay focused on your retirement goals.


Financial Planning for Businesses

As a business owner, I know it is challenging to think about savings strategies and retirement planning when you are running your business. I can help. There are many investment strategies that can help put more money in an owner's pocket and reduce the tax burden. Rewarding and retaining employees with a savings or profit sharing plan is another way to add value to the business.


My Team


Communities Served

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

Office Hours

wiseradvisor-balck-li-img Mon. 8:00 AM - 5:00 PM
wiseradvisor-balck-li-img Tue. 8:00 AM - 5:00 PM
wiseradvisor-balck-li-img Wed. 8:00 AM - 5:00 PM
wiseradvisor-balck-li-img Thu. 8:00 AM - 5:00 PM
wiseradvisor-balck-li-img Fri. 8:00 AM - 5:00 PM

Social Networks


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