Why Families Have Valued M Financial for Generations

Founded by Ted Massaro in 1982, M Financial was built on a simple belief:

Everyone deserves access to thoughtful financial guidance.

Growing up, Ted witnessed firsthand how a lack of financial education could limit opportunities for families. That experience shaped his mission to help others make informed financial decisions and build lasting financial confidence.

Today, that mission continues through a second generation of leadership.

Anthony Massaro joined the firm after working as a financial advisor and teaching the CFP® course at an institutional investment firm. Together, Ted and Anthony work with multiple generations of families—from young professionals aiming to build wealth to retirees navigating life's next chapter.

Many of the families who first became clients decades ago now continue to trust us to help guide their children and grandchildren as well.

Our Story

Founder Ted Massaro standing beside the firm sign

Where do you need clarity?

 

Business Owners

Your business and personal finances are deeply connected—but they’re often managed separately.

Are your decisions working together, or creating gaps you can’t see?

Executives & High Earners

With equity, bonuses, and deferred compensation, your financial picture is more complex than it looks on paper.

Do you have a strategy that accounts for how all of it fits together?

Career & Family

Families & Individuals

You’re balancing day-to-day life with long-term goals—saving, spending, planning, and trying to stay on track.

Are you confident you’re making the right decisions for both today and the future?

Let’s Get Started

Cheerful father and son bakers enjoying working at their bakery store

Real Situations We Help Solve

  • “We’re earning more, but it doesn’t feel organized.”
  • “We’ve built wealth—are we using it the right way?”
  • “We’re getting closer to retirement—are we actually ready?”
  • “Something feels off, but we’re not sure what it is.” 

If any of these sound familiar, it may be time to take a closer look.

What Our Clients are Saying About Us

After each meeting, I have a better understanding of my financial growth and feel more confident in the decisions we’re making.

Client Testimonial

We’ve worked with the team for years—they are thorough, responsive, and always help us stay on track.

Client Testimonial

Ted Massaro is a trusted advisor and has helped prepare us for retirement. He’s very experienced and knowledgeable on many topics. He’s never hard selling anything and takes a personal interest in getting to know his clients. He and his team use a personal touch and are genuine in their approach.

Michael
 

Ed and his team will always be there for any help be it explaining things you don’t understand, recommending strategies, and even discussing any transactions you may be planning outside of your accounts. I changed advisors after talking with Ed. That to me is the highest recommendation.

Al

I have made significant strides in net worth and understanding in a short time. Anthony made income based suggestions, such as investment plans, savings, and monthly budgeting. Just an overall great experience.

Sheri

If you’re not sure everything is working together the way it should be, you’re not alone.

A second opinion can help you see what’s working—and what may need attention.

Schedule a Second Opinion

No pressure. Just a clear, thoughtful conversation