Terry Herron
Terry founded New Frontier Financial in 2002 and New Frontier Financial Advisory, LLC in 2012. He specializes in educating prudent, mature investors on the issues they face prior to and during their retirement years, and the options to grow, preserve and transfer their estate, while legally minimizing or avoiding taxes. These additional concepts can help you add more confidence to your overall financial plan.
Please contact Terry’s office about his next speaking engagement.
Terry founded New Frontier Financial in 2002 and New Frontier Financial Advisory, LLC in 2012. He specializes in educating prudent, mature investors on the issues they face prior to and during their retirement years, and the options to grow, preserve and transfer their estate, while legally minimizing or avoiding taxes. These additional concepts can help you add more confidence to your overall financial plan.
Please contact Terry’s office about his next speaking engagement.
Lara Herron

After a professional career in the technology industry, Lara transitioned into financial services and joined New Frontier Wealth Management as a licensed Investment Advisor Representative. She brings decades of experience building trusted relationships, listening carefully to individual needs, and guiding people through complex decisions—skills she now applies to helping individuals, couples, and families navigate their financial lives with clarity and confidence.
Lara is known for her commitment to service excellence, clear communication, and thoughtful problem-solving. She works closely with clients to understand their goals, concerns, and values, and helps develop personalized financial strategies that support life’s many stages—whether planning for the future, managing change, or making informed decisions along the way. Her approach is rooted in trust, transparency, and long-term partnership.
She holds a Bachelor’s degree in Speech Communications with a minor in Business from Texas State University, a background that allows her to explain financial concepts in a clear, approachable, and meaningful way.
Outside of work, Lara enjoys traveling, spending time with family and friends. She is passionate about helping clients feel informed, supported, and confident as they make important financial decisions throughout their lives.
Mike Herron

Mike is a financial professional who transitioned out of a successful career in the technology industry to pursue his passion for retirement planning—a field he was drawn to early on after majoring in Finance and developing a lifelong interest in numbers. He specializes in retirement planning, goal‑based financial strategies, and working closely with individuals and families to build clear, practical plans aligned with their long‑term goals.
Mike emphasizes transparency, education, and steady guidance, aiming to simplify financial complexity and support clients through all market conditions. He is committed to building lasting relationships grounded in trust and consistent communication.
Outside of work, Mike enjoys staying current on market trends and spending time with family.
Strategic Alliances

MICHAEL BINGER, CFA®
President of Gradient Investments, LLC
As President, Michael is the leader of Gradient Investments and has been with the firm since 2012. He brings more than 35 years of industry experience, including prior roles managing multi-billion-dollar portfolios for an institutional asset manager. Michael is a CFA® charter holder and is a frequent contributor on CNBC, Fox Business, Barron’s, and the Wall Street Journal.

KEITH GANGL,
CFA®
Senior Portfolio Manager of Gradient Investments, LLC
Keith joined Gradient Investments in 2018 and has more than 30 years of industry experience. Prior roles include senior portfolio manager for a large institutional asset management firm, managing a multi-billion-dollar portfolio. Keith is a CFA® charter holder, managed a Lipper Award-winning mutual fund, and has been featured in media outlets such as CNBC, Bloomberg, Investor’s Business Daily, Nasdaq and Reuters.

KYLE BERGACKER, CFA®
Portfolio Manager of Gradient Investments, LLC
Kyle joined Gradient Investments in 2025 and has more than 15 years of financial services experience. Prior roles include portfolio manager with a couple of large international institutional asset management firms, also was an advisor with a retail wealth advisory firm. Kyle has developed experience with financial advice, asset allocation, and investment analysis across the asset spectrum. He is a CFA® charter holder and has appeared on the Schwab network.
*This endorsement of Gradient Investments, LLC is provided by an investment advisor who refers clients to Gradient Investments, LLC. A conflict of interest exists because this investment advisor receives a portion of the annual management fee charged by Gradient Investments, LLC, based on the assets under management of this investment advisor’s clients. This endorsement could assist in the investment advisor increasing the assets placed with Gradient Investments, LLC, and therefore their compensation. These investment advisors are not affiliated with or supervised by Gradient Investments, LLC.
