Richard E. Stram

MSA FINANCIAL

BRAINTREE, MA 02184

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CRD#: 1705331

Professional summary

Richard Eric Stram, CFP®, who also goes by Rick Stram, is a registered financial advisor currently at MSA FINANCIAL located in Braintree, Massachusetts.

Richard is registered as an IAR (Investment Advisor Representative) and started their career in finance in 1987. Richard has worked at 5 firms and has passed the Series 65, Series 63, Series 99TO, SIE, Series 7 and Series 24 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Rick Stram

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

1) INDEPENDENT INSURANCE AGENT; NOT INVESTMENT RELATED; SAME ADDRESS AS ABOVE; INSURANCE AGENT; INSURANCE PRODUCT SALES; LESS THAN 10% OF TIME PER MONTH.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Richard Eric Stram's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

CFP^®

Certified Financial Planner

Start date: 1991

Experience

Current

June 13, 2011 - Present

MSA FINANCIAL

Office #1: 25 Braintree Hill Park Suite 205, Braintree, MA 02184

RIA

CRD#: 107768

BRAINTREE, MA

Past

June 14, 2024 - May 20, 2025

OSAIC WEALTH, INC.

CRD#: 23131

BRAINTREE, MA

Past

March 16, 2004 - April 17, 2012

SECURITIES AMERICA ADVISORS, INC.

RIA

CRD#: 110518

BRAINTREE, MA

Past

March 16, 1998 - September 30, 2004

MSA FINANCIAL

RIA

CRD#: 107768

BRAINTREE, MA

Past

October 27, 1997 - June 14, 2024

SECURITIES AMERICA, INC.

CRD#: 10205

BRAINTREE, MA

Past

July 21, 1987 - November 11, 1997

AMERIPRISE FINANCIAL SERVICES, LLC

CRD#: 6363

MINNEAPOLIS, MN

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

MSA FINANCIAL

MARINO STRAM & ASSOCIATES | MSA FINANCIAL | MARINO, STRAM AND ASSOCIATES LLC

CRD#: 107768 / SEC#: 801-72425

RIA

Registered Investment Advisory firm - (6/13/2011 Approved)

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

Highlighted states indicate IAR registrations

IAR

Massachusetts
(6/14/2011)

IAR

Texas
(6/3/2015)

IAR

Vermont
(12/2/2022)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.

Exams

State Security Law Exam

IAR

Series 65

Date: 8/10/1992

Uniform Investment Adviser Law Examination

State Security Law Exam

Series 63

Date: 8/14/1987

Uniform Securities Agent State Law Examination

General Industry/Product Exam

Series 99TO

Date: 1/2/2023

Operations Professional Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 7/18/1987

General Securities Representative Examination

Principal/Supervisory Exam

Series 24

Date: 3/2/1998

General Securities Principal Examination

Current Firm

MSA FINANCIAL

MARINO STRAM & ASSOCIATES | MSA FINANCIAL | MARINO, STRAM AND ASSOCIATES LLC

CRD#: 107768 / SEC#: 801-72425

RIA

Registered Investment Advisory firm - (6/13/2011 Approved)

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Contact information

Main Address

25 Braintree Hill Office Park Suite 303, Braintree, MA 02184

Mailing Address

Phone number

(781) 843-3500

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (20 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

MARINO STRAM DISCLOSURE BROCHURE, BROCHURE SUPPLEMENT AND PRIVACY POLICY (11/18/2025)

Regulatory assets under management

Total Number of Accounts	3,165
AUM (Assets Under Management)	$ 1,168,995,005

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

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Advisor Monitoring

Firm Stability Insights

Richard E. Stram

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Richard Eric Stram's CRS (Customer Relationship Summary).

Certified licenses

Experience

OSAIC WEALTH, INC.

SECURITIES AMERICA ADVISORS, INC.

MSA FINANCIAL

SECURITIES AMERICA, INC.

AMERIPRISE FINANCIAL SERVICES, LLC

Primary Firm SEC Registration

MSA FINANCIAL

State Registrations and Notice Filings

Exams

Series 65

Date: 8/10/1992

Series 63

Date: 8/14/1987

Series 99TO

Date: 1/2/2023

SIE

Date: 10/1/2018

Series 7

Date: 7/18/1987

Series 24

Date: 3/2/1998

Current Firm

MSA FINANCIAL

Contact information

SEC notice filing (20 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

MSA FINANCIAL

TRUST BUT VERIFY

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