Massey Financial

Massey Financial provides investment advisory and financial planning services to individuals, high‑net‑worth clients, trusts, estates and small businesses, including asset management, preparation of investment policy statements, and access to third‑party money managers. The firm works with a limited client base and manages accounts held at independent custodians; it does not participate in wrap fee programs.

The adviser employs both fundamental and technical analysis and may allocate to mutual funds, ETFs, stocks, bonds, REITs and alternative investments, with ongoing monitoring, periodic rebalancing and quarterly reviews. It can operate on either a discretionary or non‑discretionary basis and, in practice, much of the relationship requires client approval for trades and leaves proxy voting and custodial control with the client.

A distinguishing feature is that the firm’s principal is a licensed insurance agent and may recommend or sell insurance products (disclosed as consuming under 5% of his time), a relationship that the brochure identifies as a potential conflict of interest requiring client disclosure. The firm also discloses that it may receive compensation through referrals to third‑party money managers and does not vote client proxies, so clients should review those disclosures when evaluating the adviser.