MSA Financial (Marino, Stram & Associates, LLC)

Founded in 1988, MSA Financial is an independent wealth management firm that operates under a fiduciary standard, meaning they are legally obligated to act in their clients' best interests. The firm specializes in creating personalized, long-term financial plans that cover retirement, investment management, estate planning, and tax strategies. As a fee-only advisor, their compensation comes directly from clients, not from commissions on financial products, which is intended to align their recommendations with their clients' goals without conflict of interest.