Conscientious Financial Planning and Retirement Income Management | 201-741-9528
from Lonier Financial Advisory LLC, Osprey, FL

Bio — Michael Lonier, RMA℠

Michael Lonier is a Lifetime financial planner and retirement income specialist. He started Lonier Financial Advisory LLC in 2011 after a 33-year career as a corporate executive in the publishing industry, planning and managing capital investments in advanced technology within publishing enterprises and running publishing operations for Time Inc., Thomson Medical Economics, US News and World Report, and The Deal LLC. He spent a decade as a strategic technology and operations consultant to the industry with clients including The New Yorker, Times Mirror Magazines, Audubon, Boy’s Life, Entertainment Weekly, NBC, Saks, Nordstrom, and many others.

He earned the Retirement Management Analyst (RMA℠) designation by completing Boston University’s innovative Retirement Management program and passing the RMA℠ exam, which is administered by the Retirement Income Industry Association, a non-profit organization dedicated to rigorous research and thought leadership for successful retirement income management.

Through his association with the RIIA, he has developed R-MAP Planner™, a spreadsheet application based on the RMA planning process, as a tool for lifecycle financial planners to evaluate and create a financial plan for clients. R-MAP™ is a pioneering tool for managing household savings and investments that is based on the strength of the household balance sheet and not on the arbitrary allocation formulas or unreliable “risk tolerance” questionnaires used by the investment management industry. The application will be used in the RMA curriculum and is available at

LFA LLC is a NJ registered investment adviser, and Mr. Lonier is a registered investment advisor representative, obligated to uphold the fiduciary standard that puts your best interests ahead of his own. Investment advisers are not registered representatives (stockbrokers), and Mr. Lonier does not sell securities, insurance, or other financial products. As a planner, his primary focus is developing a Lifetime plan for your household based on your goals with you and your family at the center of the plan, not your investment account.

Mr Lonier’s education is in the arts. He earned a BFA from the University of Notre Dame and a MFA from the University of Florida, both in creative photography. For ten years, he taught as an adjunct professor at FIT-SUNY and at Ramapo College, and remains a dedicated photographer. For nine years, he served as a trustee and then Vice President of the Ramsey (NJ) Free Public Library Board of Trustees, involved in all aspects of the Library’s strategic plan and 2011 renovation. He has lived in Ramsey, NJ with his family for 29 years.

> Contact him via email, the contact form here, or phone (201-741-9528) at your convenience. He is happy to meet with you and talk about your goals and your concerns, and how he might be of assistance. There is no charge or obligation for these initial discussions.