Our Mission

We are committed to maintaining the highest standards of integrity and professionalism in our relationship with you, the client.  An investor’s success can be traced to the quality and dedication of those who surround them. Our focus on continuous education, application of knowledge, and superiority in customer communication and service can help those who we call clients, realize their full dreams and potential.

30+ Years of Experience

No “One-Size-Fits-All” Approach

Returns Clients’ Calls within One Hour

Accountable & Transparent with fees

Our client is at the head of the table as the CEO

Our Firm

Retirement Resources Advisory has been an Independent Financial Planning Firm for over 28 years & proud of it! Because over ninety percent of our clients are retired with similar concerns, we are in an ideal position to help meet their needs. When you choose Retirement Resources Advisory, you benefit from obtaining comprehensive advice from a team of highly qualified professionals who have managed assets through some of the most difficult times in history.

Our Associates

Our relationship with each client is unique, meaning we do not have a “one plan or one product fits all” mentality. We focus on one thing: the needs of our clients. We pour every ounce of effort we have into developing, implementing, & monitoring personalized strategies that will help our clients meet their financial & lifestyle goals.

We focus on one thing:
The needs of our clients.

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Ryan McClelland, CFP® ChFC®

Senior Partner

Ryan P. McClelland was born and raised in Columbus, OH. He received his Bachelor's Degree from the Carl H. Lindner College of Business at the University of Cincinnati in 1995 and relocated to Clearwater, FL. He joined Estate and Retirement Planning, (a family financial services firm that was established in 1981) and enrolled in the College for Financial Planning, located in Denver, CO. Ryan graduated from the College for Financial Planning in 1998, and was given the rights by the CFP® Board of Standards to use the CFP® marks as a CERTIFIED FINANCIAL PLANNER™. To obtain this designation, Ryan completed the financial planning education requirements in six major planning areas set by the CFP Board and successfully completed the 10-hour CFP Certification Exam and the Candidate Fitness Standards and background check. In October of 2009, Ryan successfully completed the curriculum from The American College, earning the right to use the Chartered Financial Consultant® (ChFC®) designation.

Ryan made his way onto radio in early 2006, and is currently the host and producer of “Elite Money Strategies”. The show airs every Sunday morning from 9:30 to 10:00am on “True Oldies” 106.3 FM and covers a wide range of Estate, Retirement, and Tax Planning issues. Ryan uses a common sense approach to planning, and explains the issues in such a way that they are easy to understand.

Ryan, his wife of 12 years RonneSue, and their daughter Camryn live in Palm Harbor with their 3 dogs, Darby, Bailey, and Codi.

Ryan McClelland

CFP® ChFC®

Senior Partner

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J. Henry Livingston, CFP®

Senior Partner

J.Henry Livingston has been involved in the financial service industry since 1971, the year he graduated with a Bachelor of Science degree from Eastern Michigan University. Since 1982 Henry has held one of his professions most coveted and prestigious designations, the CERTIFIED FINANCIAL PLANNER (CFP®). Henry is President and co-founder of Retirement Resources Advisory, Inc. a financial services firm established in Clearwater, Florida in 1986. , Thorough and innovative, Henry strives to meet the needs of high net worth individuals, families, business owners, successful professionals, and retirees. He uses a six step process in creating a written financial plan that is designed to help maximize his clients probabilities of living the lifestyle they dream of. When he isn't working, Henry enjoys traveling, golf and enjoying his family. He resides in Clearwater, Fl.

J. Henry Livingston

CFP®

Senior Partner

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Kathy Cifrino

Administrative Assistant

Kathy has worked in the finanical service industry for over 15 years. She is a graduate of Mildred Elley Business School, Cannon Financial Trust School, Leadership Saratoga, and NY Bankers Trust and Estate Administration School. Kathy also served on the NY Estate Planning Council of Eastern New York. She currently resides in Palm Harbor, Fl with her husband Bob and two bernese mountain dogs, Marley & Norman. They have three sons, Chistopher, Phillip and CJ. When not at work Kathy enjoys sailing, traveling and spending time with her family.

Kathy Cifrino

Administrative Assistant

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