Hmm.
Firstly, and this is pretty important - what level are you?
A good rule of thumb in this case is to check what level Naoto is (I believe you get her just before Nanako's dungeon, right?) - to make the game difficulty-free, you should be 10 levels higher than the previous dungeon's character by your current dungeon's end boss. If I remember correctly, Naoto comes in at lvl55, so to easily beat Nanako's boss you should be lvl65.
The reason I say this is because level is actually part of the damage formula in P4, and it is generally a good rule of thumb to have persona your level at least, preferably quite a bit higher - if you have several maxed s-links that means at lvl65, you should be walking around with some lvl70 persona from fusing bonuses alone.
Another thing is that boss in particular can do some massive damage since he buffs specific elements before using spells - from memory he usually starts with buffing wind attacks (rise will say "wind attacks are stronger!" or something similar), and at that stage, he'll definitely be able to wipe your party if you aren't careful about keeping everyone's health up - assuming you aren't doing the veteran's standard of keeping the entire party fully buffed at all times.
In summary:
- I'd say you should be lvl 60-65 to beat Nanako's boss without problems, and your persona should generally be about 5 levels higher than you are. At that level I was using Belphegor from memory (absorbs wind and has decent stats) lvl61 base Devil arcana, and I think maybe Lakshmi? I usually look for Persona with a really really high Magic stat and preferably a decent if not high Ag stat too.
- Ditch old personas asap unless you're willing to keep their stats competitive with your party's by grinding out arcana cards from shuffle times and doing extra grinding to keep their levels in line too.
- If you're having problems playing normally, try getting into the habit of buffing your party's stats and/or debuffing your enemy's stats. Stat buffs are very important in persona - in this case, if you have Teddie he should have Matarukaja (buffs your party's attack) and Marakukaja (buffs your party's defense) along with Masukukaja on Yosuke. These spells run out after 3 turns, so the habit is generally buff-buff-heal-heal-buff-buff-etc for Teddie and buff,attack, attack, attack, buff for Yosuke.
ED: Oh, and as for good personas - as long as you stick to fusing stuff with high stats and a decent amount above your level (just compare between what is available to you in terms of what high stats would be in your case) and you're good. Aside from that try to keep Mind Charge / Power Charge in circulation through your compendium, along with maybe Invigorate 3 / Cool Breeze and definitely the -amps (fire amp, wind amp, etc) and you should be putting out some decent damage. If you have the Blade of Fury skill card or Okuninushi (who gives you it), use that as your main physical attack skill for everything, until you get God Hand and/or Primal Force for single-target killin'.
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