Nathaniel David Massey Jr has spent more than a decade helping households across Bethesda, Chevy Chase, and the wider D.C. metro think clearly about money. As a financial advisor with Ameriprise Financial Services, LLC, he brings the resources of a national firm to relationships that are deliberately local, personal, and unhurried.
Clients come to the practice at inflection points — a liquidity event, a promotion, a parent's diagnosis, a child approaching college — and stay for the consistency of advice across decades. The work is rarely about a single product. It is about coordination: aligning investments, insurance, taxes, and estate documents around one coherent plan.
The office sits in downtown Bethesda, two blocks from the Metro, with on-site parking for clients driving in from Northwest D.C., Potomac, or Kensington. Initial conversations are always complimentary and without obligation.
A full written plan covering cash flow, net worth, goals, retirement projections, insurance review, estate snapshot, and tax considerations. Delivered across three meetings over roughly ten weeks, then refreshed annually.
Discretionary investment management through Ameriprise brokerage and advisory accounts, with quarterly rebalancing, continuous tax-loss harvesting, and two formal review meetings per year. Asset-based fee, billed quarterly in arrears.
For clients within five years of retirement: a withdrawal sequencing plan across taxable, tax-deferred, and Roth buckets, Social Security claiming analysis, and a Monte Carlo stress test of the resulting income floor.
A standalone review of an existing portfolio's tax efficiency — asset location, embedded gains, cost-basis method, and fund overlap — with a written memo of recommendations suitable for coordination with your CPA.
Coordination with your attorney on wills, revocable trusts, beneficiary designations, and gifting strategy. Includes a beneficiary audit across all accounts and a written summary of how assets transfer at death.
For solo practitioners and closely-held business owners: cash balance plan design, succession planning, key-person insurance review, and a tax-efficient framework for distributing profits between owner and entity.
A confidential conversation about what you are trying to build, what worries you, and the people who depend on the decisions you make. No paperwork, no pitch deck — just listening.
You share statements, tax returns, employer benefits, and estate documents through a secure portal. We model the present state: net worth, cash flow, concentration risk, coverage gaps.
A written plan with three to five prioritized recommendations, each tied to a dollar figure and a timeline. You leave with a copy. Implementation is always your choice.
For clients who engage ongoing management: two formal reviews per year, ad-hoc calls as life happens, and an annual plan refresh that recalibrates to your actual situation, not last year's assumptions.
Tell us a little about where you are and where you'd like to be. We'll reply within one business day to schedule a complimentary discovery call — no obligation, no pressure to continue.