Christina Massalay, CFP®, CPA

Christina Massalay

Christina Massalay, CFP®, CPA, is the founder of Mass Financial Management and brings more than 20 years of financial services experience, combining Wall Street expertise with a fiduciary commitment to helping individuals and families build lasting financial confidence.Her career includes leadership roles at Credit Suisse, Fortress Investment Group, and PricewaterhouseCoopers, where she developed deep experience in investment management, accounting, risk oversight, and financial strategy.

While her professional background was built within some of the world's leading financial institutions, Christina's passion for financial planning was shaped by personal experience. Raised by a resilient single mother who overcame significant adversity, she witnessed firsthand the challenges that financial uncertainty can place on a family. Those experiences inspired her to create Mass Financial Management, a firm dedicated to helping clients gain clarity, confidence, and peace of mind about their financial future.

Today, Christina works closely with clients to develop personalized strategies for retirement planning, investment management, tax planning, risk management, and wealth preservation. As a CERTIFIED FINANCIAL PLANNER® professional, licensed CPA, and fiduciary advisor, she is committed to serving her clients' best interests. As a committed Christian, Christina's faith serves as the foundation for the integrity, compassion, and fiduciary care she brings to every client relationship.

Mass Financial Management

Mass Financial Management (MFM) is a fee-only, fiduciary financial planning firm in New York City, founded by Christina Massalay, CFP®, CPA. With 20 over 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.

At MFM, we do not believe in one-size-fits-all plans or impersonal service. We take the time to understand your unique situation, your values, and what you actually want your money to do for your life. 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.

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.

MEET THE TEAM

Confronting inflation: Expert's advice on managing finances, evaluating money relationship

WASHINGTON (7News) — While stubborn inflation is expected to stick around in 2024, 7News spoke to Certified Financial Planner Christina Massalay who shared tips on how to help folks prepare for their future and meet financial goals.

Massalay said that given the current state of the economy with high costs for food, rent and home costs, it’s important to evaluate your relationship with money.

“Money is something that’s very emotional and when you are coming to a financial advisor, you have to get very vulnerable with your finances,” Massalay said.

Massalay is the CEO and Founder of Mass Financial Management. She has more than 15 years of experience in financial services spanning investment banking areas (leverage finance, equity capital & debt capital markets), financial analysis, and public accounting at Credit Suisse, Fortress Investment Group, and PricewaterhouseCoopers.

She begins her work with new clients by asking them to fill out a money personality survey. She said that helps reveal how they view money.

“Do you have a scarcity mindset about money? Do you have a money avoidance money script? Meaning, you avoid opening your bills because it’s so overwhelming,” Massalay said.

Massalay said she has observed some differences between men and women when it comes to conversations about money.

“More women are transparent than men. Women are more open to asking questions that they don’t know the answer to and many times they are more analytical even though they may not think they are,” Massalay revealed.

She said men and women sometimes have different approaches to financial wellness based on personal income or family history.

Massalay said individuals and couples should not avoid tough conversations about money, start those conversations today.

“You can’t look back and say 'I should have done this or that' because a lot of women, in particular, tend to beat ourselves up over that, so I tell my clients you cannot unscramble eggs,” Massalay said.

Mass Financial Management is based in New York City. The company offers live online sessions to help people on their road to financial wellness. Massalay also provides a wealth-building session exclusively for women called “Own your way to Millionaire Status”