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Learn More About Your Dedicated Team of Retirement Income Professionals

New Jersey is filled with advisors offering to help with your retirement income planning. And as somebody looking to create a sound and secure financial future, you’re likely wondering,

“Who Can I Trust to Handle My Life's Biggest Financial Planning Challenge?”

It’s a valid question to ask yourself, and one that shouldn’t be taken lightly. The team at The Future Years offers a highly specialized selection of products and services solely centered around your future financial freedom throughout retirement.

This Is How We’re Different



Our Personal Backgrounds

Our founders put their own experiences in business and long-term care into creating comprehensive retirement planning income that works for you.  



Focused On Education

We want you to be comfortable with the services and products we recommend. That’s why we’re dedicated to educating you about what may work best for your specific needs.



Tailored Services

Because planning for your retirement is our firm’s only focus, we’ve come to offer what we believe to be the best tailored services and products to meet the specific needs of retirees.

Who We Work With

The truth is, everyone can use some help when it comes to securing income during retirement. Our team is well-equipped to handle the particular needs of those including:


We understand how crucial your last few years of saving for retirement are. We’ll work together to find the right products and services to supplement your savings and sustain your lifestyle throughout retirement.


Is your retirement plan still working for you? We’ll evaluate your current options and offer solutions that are designed to keep your income on track throughout retirement.


We’re here to help you prepare and navigate through the unexpected. Whether it’s divorce, the death of a loved one or a sudden loss of income, we’ll work to help keep your retirement income safe and secure.

Small Business Owners

Our founder, Richard, brings over 30 years of business-owning experience to the firm. Our team is confident in our ability to help small business owners plan and prepare for the challenges they face in planning for retirement.

High-Net-Worth Individuals

Individuals managing large amounts of wealth often face complex financial issues that require immense trust and extra care. We’re well-equipped to help optimize your wealth for your family now and for future generations to come.

Richard Donato Photo
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Richard Donato


Richard Donato


My road to retirement planning started with the first-hand experiences I faced as a successful businessman who wasn’t addressing his own issues of an impending retirement. I graduated in 1986 from the NYU School of Business with a degree in finance and international business. Soon after, I decided to try my hand at small business. Over a 30-year career, I owned and ran several small businesses, some of which I still own today. But as the years flew by, I continuously put my retirement planning on the backburner. Why? Because I didn’t know where to start or how to ensure I’d have enough money to retire and stay retired.

Finally, it was through my own exploration that I realized how much I had already helped others in my businesses who were facing the same challenges. That’s when I understood that my experience as a successful business owner is an important asset in helping me help others who are planning for retirement.

Soon after, I became licensed to sell life insurance and annuity products. In combining my financial education, 30 years of business experience and a desire to help others, I joined forces with my partner, Lynn, to create The Future Years. Together, we’re dedicated to educating others about planning for their retirement. It is through this firm that I’m excited to educate people on retiring stress-free with the correct annuity or life insurance product to create income for life based on their individual needs.

I am a single father residing in Towaco, New Jersey with my two boys.

Schedule a No Obligation Call Today

Lynn Socci, CMP™ Photo
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Lynn Socci, CMP™


Lynn Socci, CMP™


My journey into the insurance services industry began after I spent 10+ years gaining valuable experience in physical rehabilitation and long-term care. During my time as a director of rehabilitation, I helped people and their families get back on their feet following major injuries and illness. But there were too many times when I had to meet with families who weren’t prepared for the financial and physical effects of these life-altering events. This, of course, can add much more stress to an already challenging situation. But because of the first-hand experiences I encountered through this work, I found myself in a unique position to both educate about planning ahead and provide services to help people prepare and avoid being in that tough situation.

I am a single mom with three daughters, including one with special needs. In addition to my experiences at work, this has made me acutely aware of the unique challenges women face when it comes to preparing for their future. That’s why I enjoy teaching and showing women how they can retire with the security of knowing they will have an income that takes care of them for the rest of their lives.

I’m a Certified Medicaid Planner, which means I help individuals every step of the way through the application process to prevent any issues from arising. As the premiere standard setting body in the Medicaid Planning field, the CMP™ Governing Board established an ethics panel that has formulated a unifying set of client-first principles to guide Certified Medicaid Planners™ in the proper and ethical practice of of the profession.

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