Our Team

Michael G. Santoro,


Michael is the founder and director of Retirement Consultants.  With over twenty-eight years of experience in investment evaluation and strategy development. His career in the financial services industry is distinguished by a broad foundation of knowledge and experience in the investment markets and wealth management.

As President of Retirement Consultants, Michael leads an Registered Investment Advisor (RIA) firm whose mission is to support independent financial advisors across the country who are dedicated to providing holistic financial planning, and sound investment management, to provide better potential financial outcomes for American families. Michael works with young tech professionals in the early stages of wealth accumulation, as well as high net worth clients with a particular focus on physicians and business owners. 

Frank A. Molinar


Frank Molinar is a Certified Financial Planner™ practitioner with over three decades of service to the welfare of his clients. He is also an internationally recognized professional speaker, trainer and author in the personal finance space. He has worked with the Department of Defense, the Arizona’s Attorney General’s office, the Arizona Department of Veteran’s Affairs, to promote the value of financial literacy and personal responsibility. 

Sherri Odom,


Sherri is a licensed CPA and owner of Pinpointe Accounting Services. With over twenty years of tax and accounting experience. Sherri collaborates with our clients to provide the most advantageous programs currently available to maximize retirement needs and minimize tax liability. 

Ocelia V. Santoro

Client Services

We understand the importance of providing an unmatched client experience and extraordinary service to our clients.  Ocelia has vast experience as an executive administrator and helps ensure our client experience is first class. Ocelia rejoined our practice at after many wonderful years as CEO of her remarkable family which includes two outstanding daughters. Prior to serving as our client services director; she was an executive secretary at Westcor Partners with deep ties to our Tucson Community.