Fee-Only Financial Advisor in New York City, Built Around You, Not a Commission
Mass Financial Management (MFM) is a fee-only, fiduciary financial planning and wealth management firm in New York City, founded by Christina Massalay, CFP, CPA. With over 20 years across Credit Suisse, Fortress Investment Group, and PricewaterhouseCoopers, MFM serves individuals, families, and business owners across New York, Pennsylvania, Virginia, Maryland, and Washington DC with no commissions and no conflicts of interest.
Your path to financial clarity, confidence, and control starts here. Stay informed with practical financial insights delivered straight to your inbox.
WHO WE SERVE
Your wealth. Your way.
Mass Financial Management doesn’t believe in a one-size-fit-all plans or impersonal service. We take the time to understand your unique situation, values, and aspirations, because wealth management and financial planning is more than numbers; it is about you. Whether you are working with a fee-only financial advisor in New York for the first time or looking to make a change, we start by understanding your full picture before we recommend anything.
Comprehensive Financial Planning For
Families & Individuals
Personalized wealth management designed to help individuals and families build, protect, and transition wealth through every stage of life with clarity, confidence, and control.
Business Owners
Align your business and personal financial goals through strategies focused on growth, succession planning, employee benefits, retirement planning, and successful business exits.
Pre-Retirees
Prepare for retirement with a personalized strategy that addresses income, taxes, Social Security, Medicare, healthcare costs, and the long-term future you've worked hard to build.
Retirees
Protect your lifestyle, preserve your wealth, and create a lasting legacy with retirement income strategies designed to support the life you've envisioned.
OUR SERVICES
We are dedicated to helping you understand your relationship with money and achieve financial clarity.
Safeguarding Your Assets
As a fiduciary, we hold your assets exclusively at trusted, industry-leading third-party custodians. Our independence means we always choose what is best for you, not what is most convenient for us. Learn how we safeguard your assets.
Financial Planning
Financial success looks different for every family. Our personalized financial planning services for New York families and individuals are built around your goals, your cash flow, and the decisions that matter most, whether you are planning for tomorrow, a major life event, or the generation after you.
Investment Management
Your portfolio should work for your life, not someone else's. We build every investment strategy around your unique risk tolerance, time horizon, and liquidity needs, so your portfolio is a true extension of your personal financial plan and nothing else.
Retirement Planning
Retirement means something different to everyone, but for all of our clients it means one thing: peace of mind. We build customized retirement strategies around your vision of the future, helping you protect your lifestyle, maximize your income, and navigate risk so the years ahead are defined by freedom, not financial worry.
Tax Planning
You have worked hard for your wealth. Strategic tax planning helps you protect it. We take a proactive, personalized approach to tax strategy, identifying opportunities to minimize what you owe and maximize what you keep. From capital gains management to estate tax planning, we make sure your financial plan is as tax-efficient as possible.
Insurance Planning
Effective insurance planning starts with understanding your life, not just your coverage options. We take a holistic view of your full financial situation to design protection strategies thoughtfully tailored to what matters most to you, at a cost that makes sense for your budget. Our expertise and trusted relationships allow us to cut through the noise and find the right policies for your specific needs.
Estate Planning
The legacy you leave behind is one of the most meaningful gifts you can give. We help you protect it. We work closely with trusted legal professionals to make sure your wealth is organized and passed on according to your wishes, while minimizing the tax and legal burdens your loved ones may face.
OUR SERVICES
We are dedicated to helping you understand your relationship with money and achieve financial clarity.
Safeguarding Your Assets
As a fiduciary, we hold your assets exclusively at trusted, industry-leading third-party custodians. Our independence means we always choose what is best for you, not what is most convenient for us. Learn how we safeguard your assets.
Financial Planning
Financial success looks different for every family. Our personalized financial planning services for New York families and individuals are built around your goals, your cash flow, and the decisions that matter most, whether you are planning for tomorrow, a major life event, or the generation after you.
Investment Management
Your portfolio should work for your life, not someone else's. We build every investment strategy around your unique risk tolerance, time horizon, and liquidity needs, so your portfolio is a true extension of your personal financial plan and nothing else.
Retirement Planning
Retirement means something different to everyone, but for all of our clients it means one thing: peace of mind. We build customized retirement strategies around your vision of the future, helping you protect your lifestyle, maximize your income, and navigate risk so the years ahead are defined by freedom, not financial worry.
Insurance Planning
Effective insurance planning starts with understanding your life, not just your coverage options. We take a holistic view of your full financial situation to design protection strategies thoughtfully tailored to what matters most to you, at a cost that makes sense for your budget. Our expertise and trusted relationships allow us to cut through the noise and find the right policies for your specific needs.
Tax Planning
You have worked hard for your wealth. Strategic tax planning helps you protect it. We take a proactive, personalized approach to tax strategy, identifying opportunities to minimize what you owe and maximize what you keep. From capital gains management to estate tax planning, we make sure your financial plan is as tax-efficient as possible.
Estate Planning
The legacy you leave behind is one of the most meaningful gifts you can give. We help you protect it. We work closely with trusted legal professionals to make sure your wealth is organized and passed on according to your wishes, while minimizing the tax and legal burdens your loved ones may face.
"Successful wealth management must go beyond portfolio construction."
Christina Massalay, CFP®, CPA
CHRISTINA MASSALAY
20+ Years Financial Services Experience
CERTIFIED FINANCIAL PLANNER®
Certified Public Accountant (CPA) (New York)
Fiduciary Advisor
Former Vice President, Credit Suisse
info@mfmhq.com
MEET THE TEAM
"Successful wealth management must go beyond portfolio construction."
Christina Massalay, CFP®, CPA
CHRISTINA MASSALAY
20+ Years Financial Services Experience
CERTIFIED FINANCIAL PLANNER®
Certified Public Accountant (CPA) (New York)
Fiduciary Advisor
Former Vice President, Credit Suisse
info@mfmhq.com
MEET THE TEAM
Brett Danko
CEO of Main Street Financial Solutions
brett@brettdanko.com
Ted Durkin
President & Managing Partner of Main Street Financial Solutions
tdurkin@msfsolutions.com
Courtney Elliot
Chief Operating Officer
celliott@msfsolutions.com
Terry Dzelzgalvis
Chief Financial Officer
tdzelzgalvis@msfsolutions.com
Once we begin working together, we are dedicated to helping you understand your relationship with money and reach genuine financial clarity. Whether you are planning for retirement, a business exit, education funding, tax efficiency, or generational wealth, we build expert guidance and tailored strategies around your specific goals, not someone else's template.
Our clients span New York City, Pennsylvania, Virginia, Maryland, and Washington DC. We meet in person or virtually, whatever works best for you.
Financial planning and wealth management that puts you first. Built around your goals, your family, and your future, not a formula.
WHO WE SERVE
Your wealth. Your way.
WHO WE SERVE
Your wealth. Your way.
WHO WE SERVE
Your wealth. Your way.
Once we begin working together, we are dedicated to helping you understand your relationship with money and reach genuine financial clarity. Whether you are planning for retirement, a business exit, education funding, tax efficiency, or generational wealth, we build expert guidance and tailored strategies around your specific goals, not someone else's template.
Our clients span New York City, Pennsylvania, Virginia, Maryland, and Washington DC. We meet in person or virtually, whatever works best for you.
Financial planning and wealth management that puts you first. Built around your goals, your family, and your future, not a formula.
Frequently Asked Questions
What is a fee-only financial advisor?
A fee-only financial advisor is paid exclusively by their clients. No commissions, no referral fees, no payments from product providers. At MFM, every dollar we earn comes directly from the clients we serve. That structure eliminates conflicts of interest and means our only job is to give you the best advice possible.
What is a fiduciary and why does it matter?
A fiduciary is legally required to act in your best interest at all times. Not most of the time. Not when it is easy. Always. As a CERTIFIED FINANCIAL PLANNER®, Christina Massalay is held to the fiduciary standard by both the CFP Board and applicable securities regulations. That means every recommendation we make is made with your interests as the only consideration.
Who is Christina Massalay?
Christina Massalay, CFP®, CPA is the founder of Mass Financial Management. She brings over 20 years of financial services experience across Credit Suisse, Fortress Investment Group, and PricewaterhouseCoopers and founded MFM to give clients the clarity, confidence, and control over their financial lives that she wished her own family had. You can reach her directly on the contact page.
Does MFM work with clients outside of New York?
Yes. MFM serves clients across New York, Pennsylvania, Virginia, Maryland, and Washington DC. We meet in person or virtually depending on what works best for you. As a CFP, Christina is also able to work with clients across all 50 states.
What is the difference between a CFP and a regular financial advisor?
Anyone can call themselves a financial advisor. The CFP designation requires completing a comprehensive education program, passing a rigorous national exam, accumulating thousands of hours of professional experience, and committing to ongoing continuing education. Most importantly, CFP professionals are required to act as fiduciaries. It is the gold standard in financial planning and not everyone holds it.