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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

Transforming World! The World after Covid

July 8th, 2020|3:00 PM - 4:00 PM EST

We welcome you to join a virtual seminar on the Transforming World! We’re pleased to have Felix Tran, Thematic Strategist for BofA Global Research, joining us who will discuss:

• A “Transforming World” framework: Earth, Government, Innovation, Markets & People
 • 5 themes for the world after COVID
    - Geopolitics & Peak Globalization
    - Tech Wars - Big Government
    - Health the new Wealth
    - The New Consumer
 • Other themes covered also include: Big Data & AI, Cybersecurity, 5G, Climate Change, Future Food and more…

This seminar will be conducted through our WebEx technology, which we believe is the next best thing to meeting face-to-face. For those unfamiliar, it’s easy to work with and we would be happy to assist you in getting set up beforehand.

*BofA Global Research is research produced by BofA Securities, Inc (“BofAS”) and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation.

    For more information: amy.karlen@ml.com

    Nutrition and Your Immune System

    July 16th, 2020|4:00 PM - 5:00 PM EST

    Given the current circumstances, it is more important than ever to know how nutrition impacts our body and what we can do to keep our immune system boosted. Join us as Dr. Chadwick provides us with an informative presentation on easy, safe, and effective ways to strengthen our immune system.

    This seminar will be conducted through our WebEx technology, which we believe is the next best thing to meeting face-to-face. For those unfamiliar with WebEx, it’s easy to work with and we would be happy to assist you in getting set up beforehand.

      For more information: amy.karlen@ml.com

      The Most Important Thing

      July 22nd, 2020|6:00 PM - 7:00 PM EST

      Millions of families around the world are experiencing enormous disruption. This special webinar gives you and your loved ones a powerful new toolkit to handle stress better. It teaches you:
      *What matters most for family happiness according to the world’s longest study, and why it’s not money, health, or relationships.
      *A new way to understand where stress comes from, and why traditional stress management is based on a fundamental flaw.
      *A 7-step process that helps you increase family well-being with no blame, stigma, or “touchy-feeliness”.
      *Free access to an online platform to continue applying this toolkit

      Guest speaker: Andy Bernstein, Faculty at Wharton Executive Education

       

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

        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.