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Michael Messenger

Advisor at Voya Retirement Advisors, LLC

Updated today

Firm

Voya Retirement Advisors, LLC

Location

Red Bank, NJ

Credentials

Series 66

Industry experience

16 years

About

Michael Messenger is a financial advisor with Voya Retirement Advisors, LLC, holding a Series 66 designation and 16 years of industry experience. His prior work includes roles at Fidelity Investments, Morgan Stanley, and UBS Financial Services. Voya Retirement Advisors, LLC provides retirement-plan investment advice and managed account services to participants in employer-sponsored plans, utilizing third-party models and advanced techniques to deliver personalized asset allocations and retirement income forecasts. The firm manages approximately $30.9 billion in discretionary assets and offers income-focused features and discretionary portfolio management within the broader Voya Financial group.

Client services

Based on Voya Retirement Advisors, LLC

Portfolio management Pension consulting

Expertise

Based on Voya Retirement Advisors, LLC

General retirement planning Retirement income strategy Income planning Annuities

Demographic focus

Based on Voya Retirement Advisors, LLC

Approaching retirement Retired

Fee options

Percentage

$0+: Up to 0.60% annually, varies by plan and asset breakpoints, can be single flat tier or multi-tiered with negotiated breakpoints (confidential) $0+: Up to 0.25% annually for 3(21) and 3(38) plan sponsor services, fee negotiated and generally will not exceed this amount

Other

Minimum fee: Platform fee is a per participant fixed dollar fee annual charge negotiated between plan sponsors and VRA, ranging from $0 to $6.00 annually. Fee-only: Platform fees and asset-based fees for Professional Management program; fees are deducted from retirement plan accounts monthly or quarterly.

Location

Red Bank, NJ

Most active in

New Jersey

Work history

Voya Financial Partners, LLC

2025 - Present (1 year)

Voya Retirement Advisors, LLC

2025 - Present (1 year)

Voya

2025 - Present (1 year)

FIDELITY INVESTMENTS

2021 - 2025 (4 years)

Hoboken Chess

2020 - 2021 (1 year)

UnEmployed

2020 - 2021 (1 year)

Robert half

2020 - 2020 (1 year)

Morgan Stanley

2016 - 2020 (4 years)

UBS Financial services

2006 - 2016 (10 years)

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

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Joseph K

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Middletown, NJ

Joseph C. Kelly & Associates, Inc.

General retirement planning Wealth management
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Dennis O

Series 66

Farmingdale, NJ

Coastal Financial Advisors, Inc.

General retirement planning College savings (529s, UTMA, etc.) Cash flow / budgeting

Kristen V

CFP®

Neptune, NJ

Pathways Financial Planning

Kristen provides unbiased, comprehensive financial planning with expertise in budgeting, retirement planning, investment strategies, tax planning, and major life transitions, including divorce. Her background in education - spending a decade teaching middle school English in San Francisco and Maine- gives her a unique perspective on guiding career changers through financial transitions. She is particularly passionate about working with Childfree individuals, early retirees (and the FIRE community), those navigating divorce, and those forging non-traditional financial paths. She offers hourly financial advice for those seeking one-time guidance or a cost-effective option, divorce planning for clients managing the financial complexities of separation, and ongoing financial planning for those who want continuous support in achieving their goals. Whether you're changing careers, planning for retirement, building wealth, or facing complex financial decisions, Kristen provides knowledgeable, compassionate guidance to help you create a plan that aligns with your goals and values.

General retirement planning General tax planning Work/Life Balance
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Howard S

CFP®, Series 63

Belmar, NJ

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Retirement plans for business owners (SEP, solo 401k) College savings (529s, UTMA, etc.) Retirement income strategy
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Wesley C

Series 63, Series 65

Red Bank, NJ

Olson, Cross & Alamo Advisors LLC

Options & derivatives strategies Private / alternative investments
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Alice S

Series 63, Series 65

Keansburg, NJ

Solomon Investment Group, Inc.

College savings (529s, UTMA, etc.) Annuities
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