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Michael Massara

Full Picture Financial

3785 East Lexington Ave

Gilbert, AZ 85234


Comprehensive, Customized and Collaborative

About Full Picture Financial

Full Picture Financial (FPF) Advisors have greater than 30 years of combined financial experience meeting clients' goals. We provide a comprehensive, customized and collaborative experience. We offer our ideas, guidance and tips to improve your financial standing with no obligation in return. We also have a specialty in planning and asset management for Arizona Municipal Pension personnel (Arizona State Retirement System and Arizona Public Safety Personnel Retirement System).

Please know that we believe quantity doesn't means quality... No advisor with us will ever take on the responsibility of more than 80 households. Any more than that compromises our time to answer questions, manage portfolios, and research the issues affecting your financial success. We value our relationships with those we serve and believe in giving each person the detailed attention to their financial situation and portfolios deserve.

General Information

Firm Start Year


No.of Employees




Firm CRD#


Name of Custodial Firm

Charles Schwab and TD Ameritrade

States Licensed in


Years of Experience in Financial Services


Number of Years with Current Firm


Work Experience

Full Picture Financial, Financial Advisor, 2022 - Present
Morgan Stanley, Financial Advisor, 2020 - 2021
Vanguard, High Net Worth Relationship Manager, 2017 - 2020
Merrill Lynch, Investment Specialist, 2014 - 2017

Work with the following types of clients

Individual Investors, Businesses

Advisory Services Provided

Financial Advice & Consulting, Investment Advice & Management, Portfolio Management, Retirement Planning, 401K Rollovers, Wealth Management, Money Management, Education Funding and Planning, Financial Planning for Individuals, Financial Planning for Businesses, Financial Planning


Investment Types

Exchange Traded Funds (ETFs), Stocks, Alternative Investments, Bonds, Mutual Funds

Can meet clients in the following ways

Our Office, Via Phone, Your Office, Via Email, Video Conference


Investment Advisor Representative


Acknowledged fiduciary


Compliance Disclosures in Last 5 years

I have a clean record

Criminal Disclosures in Last 5 years

I have a clean record

Qualifications & Membership

Securities Licenses

Series 63, Series 66, Series 7

Insurance and Annuity Licenses

Life, Variable Annuity, Variable Life, Annuity

Firm Information

Firm's Number of Clients


Firm's Number of Managed Clients


Assets Managed by Firm


Compensation and Fees

Fee Structure


Compensation Methods



Bachelor's of Science - Management

Arizona State University
2005 - 2010

Certificate - Small Business

Arizona State University
2011 - 2013


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