Learn More About Your Dedicated Team of Retirement Income Professionals

The country is filled with agents, advisors and online, platforms offering to help with your insurance retirement 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 health and financial needs.

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:

Individuals, Families, and Gig Workers Without Health Insurance

We understand how crucial it is to have health insurance for you and your family. We work with individuals to find affordable or $0 premium plans that meet their needs.


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


Lynn Donato, CMP™, CLTC