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The Massena Bass Group

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Meet the Team

Supported by the global resources of Merrill, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

Additional Resources

The following specialists do not make securities recommendations. Please contact your Merrill Lynch Wealth Management Advisor if you have questions about how a specialist might be able to assist you.

Loretta Conlin

Loretta Conlin

Wealth Management Banking Specialist

Merrill Lynch

Jason Albano

Jason Albano

Trust Specialist

Bank of America, N.A.

Roy A Mandke

Roy A Mandke

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #982922

Where do we begin? It starts with you.

At Merrill Lynch Wealth Management, your financial advisor focuses on the things you care about most- family, goals and priorities - even as they change over the years.

Understanding Your Life

Welcome

We chose to be part of the financial services industry to help others. This passion to help stems from collective experience and the financial challenges we or our friends or families have experienced in the past. As witnesses to challenges faced by important people in our lives, we recognized the need for a professional and caring team to help others realize the life they want. Our purpose is to help others define their goals, establish a wealth management approach centered on their priorities and then help them manage the inevitable changes in life.

Philosophy

We believe in families, complex as they may be. Communication can be instrumental to success in managing life’s challenges. We work to engage families in the financial decision-making process. We look for opportunities to educate the younger generation, and we often facilitate family wealth discussions that may be difficult for clients to initiate on their own.

Approach

Working with us means working with advisors truly dedicated to your success. Our approach is simple, transparent and supported by thoughtful investment guidance.

We believe clients realize the full value of our relationship, including:

  • helping you make significant decisions
  • recognizing your life priorities and goals
  • understanding your investment personality
  • helping you prioritize and pursue goals
  • being transparent by making possibilities, fees and risks clear
  • taking steps to help you preserve income during a life challenge
  • educating the younger generation about investments and the markets

Capabilities

We can work with you to identify and address your short- and long-term objectives. Those objectives may include the establishment of potential financial solutions and the asset allocation helpful to pursuing your investment objectives—taking into account your preferred objectives, risk tolerance, time horizon and liquidity needs; developing a financial approach designed to help manage risk and reduce vulnerability to market fluctuations.

Asset allocation, diversification and rebalancing do not ensure a profit or protect against loss in declining markets.  Rebalancing may pose a tax event.

Focus On Individuals, Families, and Small Businesses

We can offer advice and guidance designed to assist you in making investment-related decisions and trade-offs that can help you reach personally meaningful goals.  So whether you’re planning your retirement, saving to buy a home or fund a child’s education, we start by getting to know you and how you feel about the following seven life priorities.

  • Health: Managing healthcare expenses, now and in the future
  • Home: Upsizing, downsizing, remodeling or buying a vacation home
  • Family: Taking care of your family and other people in your life
  • Leisure: Spending your free time in meaningful ways
  • Giving: Volunteering, mentoring others and giving to charities
  • Work: Working in retirement, selling or starting a business
  • Finance: Bringing it all together and defining your financial goals

Your approach to investing

Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help us get to know you better as an investor and potentially help you refine your own investing preferences. By gaining a deeper understanding of how you think and feel about investing through this assessment, we can customize the financial approach we develop together to help you pursue what matters most to you. Our Investment Personality Assessment is one of the ways to help us get to know you - to understand your goals and priorities. These questions will give you a sense of the full assessment and help us provide you with additional insights and resources.

Understanding your goals and priorities

Your life and goals change. We have tools to help you keep track of these changes so they can be reflected in your financial approach.

Upcoming Events

Top IRA Planning Mistakes

December 3rd, 2020|6:00 PM - 7:00 PM EST

Speaker:  Doug Orton, CRPC ®, Vice President, Business Development Consultant, MFS Fund Dist.

Commonly made IRA planning mistakes put clients’ retirement plans in jeopardy and threaten client-advisor relationships. Put your IRA knowledge to work by bringing the 12 most common mistakes to life. Frequently discussed problem areas include beneficiary designations, spousal inheritance options and IRA, Roth IRA and RMD issues.


*CRPC® and Chartered Retirement Planning Counselor℠ are registered service marks of the College for Financial Planning.

    For more information: 954.916.2802 or amy.karlen@ml.com

    Past Events

    Family Wealth Management: Generational Wealth Conversations

    November 4th, 2020|6:00 PM - 7:00 PM EST

    Speaker:  Doug Orton, CRPC ®, Vice President, Business Development Consultant, MFS Fund Dist.

    The family wealth transfer is not just about getting financial assets to the next generation. It is also about how to pass on what is important and how to avoid damaging our children’s relationships with each other. This virtual seminar focuses on family wealth management and helps clients understand why transfers can fail, how to avoid mistakes and how the right communication between family members may lead to successful transfers of wealth.



    *CRPC® and Chartered Retirement Planning Counselor℠ are registered service marks of the College for Financial Planning.

      Protecting your wealth from healthcare costs in retirement

      November 11th, 2020|6:00 PM - 7:00 PM EST

      Speakers:  Surya Kolluri, Ben Storey

      Like many people, you’ve worked hard over the years to build your wealth for a more secure future. But have you taken time to consider the effect that healthcare costs could have on your savings? Join us for an informative webinar that will discuss ways to: Estimate your annual healthcare costs in retirement, Protect yourself against the costs of a significant health event that may require long-term care, Integrate your healthcare costs in your overall retirement strategy, working with a Merrill advisor.

        Plan and Protect Your Financial Future

        November 18th, 2020|6:00 PM - 7:00 PM EST

        Speaker: Tom DeSanto, MoneyGuard, Lincoln Financial Distributors

        Merrill invites you to an informative virtual event discussing what Long-Term Care is and what choices are available to you as a client. As we age, most Americans will eventually need help performing the simple activities of their daily routine like bathing, dressing or even getting out of bed on their own. Having a discussion around Long-Term Care and how it fits into financial portfolios can be the best way for a family to be prepared. Our financial partner, Lincoln Financial, will present how the Long-Term Care Insurance market has evolved and how their product, MoneyGuard, can help put a plan in place that offers growth and tax-free income to pay for increasing costs.

          Your Financial Approach

          We offer you access to the investing insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking convenience of Bank of America to help you pursue your goals. We will work to help you stay on track, regardless of what the markets are doing.

          FAMILY
          Taking care of your family and other people in your life
          • Trust & Estate Planning Services4
          • Education Funding1
          • Insurance3
          HEALTH
          Planning for healthcare expenses now and in the future
          • Long-term Care Insurance3
          • Health Savings Account2
          • Disability Insurance3
          HOME
          Upsizing, downsizing, remodeling or buying a vacation home
          • Home Loans2
          • Home Equity Lines of Credit2
          • Securities-Based Lending2
          • Credit Cards2
          WORK
          Working in retirement, selling or starting a business
          • Bank of America Business Banking2
          • Exchange Funds1
          • Concentrated Stock Management1
          • Succession Planning1
          LEISURE
          Spending your free time in meaningful ways
          • Credit Cards2
          • Securities-Based Lending2
          • Structured Lending2
          GIVING
          Volunteering, mentoring others and giving to charities
          • Donor-Advised Funds4
          • Private Foundations4
          • Charitable Trusts4
          FINANCE
          Using your finances to bring it all together
          • Merrill Investment Accounts1
          • Investment Advisory Accounts1
          • Alternative Investments1
          • Exchange-Traded Funds1
          • Mutual Funds1
          • Closed-end Funds1
          • Fixed Income Products1
          • Options1
          • Annuities3
          • Impact Portfolios1
          • Market-Linked Investments1
          • Securities-Based Lending2
          • Margin1
          • Home Loans2
          • Bank of America Checking and Savings Accounts2
          • Credit Cards2
          • Online Account Access1,2

          1 Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
          2 Banking, mortgage and home equity products offered by Bank of America, N.A.
          3 Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
          4 Trust and fiduciary services are provided by Bank of America Private Bank.

          Staying on Track

          We understand that both your life and the financial markets can change over time. By periodically checking in to discuss changes in your life and revisiting your financial approach, our goal is to help you stay on track to achieve what's most important to you.


          Periodic reviews to help you
          stay on track

          We’ll meet with you to review your goals and the progress you’ve made toward reaching them. We’ll also discuss any adjustments needed to your financial approach to help you stay on course.


            Monitoring changes in your life
            and to your goals

            Your life and goals change. As these changes occur, we can update your approach to reflect them.

            Wealth Management Your Way

            MyMerrill is your online destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.

            Your advisor is a click away within our site or mobile apps

            You can manage account security with our customizable security capabilities such as touch ID, one time passcode, and other security features

            Access to your complete financial life is available with My Financial Picture, Merrill’s asset aggregation tool

              Let’s Have a Conversation

              We believe it’s important that you seek the advice and guidance of an experienced financial advisor who can thoughtfully analyze your situation, work with you to identify potential solutions that address your needs, and clearly communicate them to you. We want to work with you to develop your wealth management approach for the future.

              Why Merrill?

              As Merrill Lynch Wealth Management Advisors, we will sort through the financial complexities of your life, helping you build a customized investment approach to address your needs and pursue your goals.


              Merrill_Capabilities_Brochure.png  

              We put you first, every day.
              Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch Wealth Management Advisor.

              Personalized advice from a dedicated financial advisor.

              We get to know you and your family, your financial situation and what matters most to you.

              A comprehensive approach, built around your life’s priorities.

              Drawing from our experience and the best thinking of Merrill, together we will design an approach that reflects your unique needs, priorities and financial situation.

              Adjusting your investment approach as your life and the markets change.

              We will work to help you stay on track, regardless of what the markets are doing.