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Why Retirement Theory?

At Retirement Theory we're dedicated to the pursuit of our clients' goals. 

Hear more from Michael and Ryann Frontera about our purpose.

Michael Frontera CFP®, RICP®, ChFC®


Hey, there I’m Mike Frontera. I’m a financial planner and the founder of Retirement Theory. You might say financial planning is in my DNA. My father spent his entire career as a financial planner, and in 2003, he offered me the chance to join his firm. And I’m forever grateful for the opportunity.

Now, considering my degree is in Math and computer science, I expected to enjoy learning about taxes, investments, and insurance. What I didn’t expect what just how much I would love helping my clients reach their financial goals. It is the most rewarding part of what I do. I’ve been fortunate to build some great relationships with some amazing clients, many of whom have become lifelong friends. I’ve been to clients’ weddings, surprise birthday parties, children’s graduations, and I’m touched anytime I’m included.

Being an advisor allows me to help people plan for life’s happiest moments. But it’s also about supporting people during life’s most difficult moments. Whether that's a death, long-term illness, the loss of a job. Those are the times when I am depended on the most. To provide steady guidance when emotions can make financial decisions even harder.

We have the privilege of helping our clients reach goals they have worked their entire lives towards. My goal is to empower my clients with the knowledge and confidence that they’re taking the right steps to get where they want to go.

 We’re here as an ongoing and committed partner – one that our clients know they can depend on to be with them every step of the way.

Ryann Frontera

Director of Client Relations

Hi, my name is Ryann Frontera and I'm the Director of Client Relations at Retirement Theory. I love getting exceptional client service. The devil truly is in the details.  I notice the little things, which really are the big things. Client service that makes a process easy, efficient, and enjoyable thrills me because I feel valued as a client.

I take that passion for details and exceptional customer service to Retirement Theory with me every day. Our client-centered approach takes the complexity out of retirement planning. Financial needs happen during stressful times, like a major life event, and during times when you want to be unplugged, like a vacation.

I take the hassle out of complex forms, 800 numbers, and follow up.  This saves clients time and stress, so they can focus on their lives. Our clients are incredibly special to us, and I’m here to deliver on our commitment to be with them every step of the way.  

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