Michael S. Frontera,  CFP<sup>&reg;</sup> - Financial Advisor

Michael S. Frontera, CFP®


Retirement Theory

2452 State Route 9, Ste. 204
Malta, NY 12020
(518) 667-2022 CONNECT WITH Michael
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Michael Frontera is a CERTIFIED FINANCIAL PLANNER™ professional and member of the Financial Planning Association. Serving clients at Retirement Theory in Malta, NY and the surrounding communities.

Financial Advisor Overview

I have dedicated my practice to helping those between 55 and 70 years of age plan for their retirement -- and maintain their lifestlye once they get there. This narrow focus has allowed me to devote all of my time and energy to most effectively serve the needs of people during this time in their lives. I am a Retirement Income Certified Professional®. I earned this designation to further strengthen my ability to provide expert advice on retirement planning strategies for my clients. There are countless risks and opportunties that you will meet on your voyage of retirement. My mission is to help you navigate through them in a way that is comfortable, enlightening and as enjoyable as possible. This concentration on "retirement-readiness" is reflected in the other type of client that I serve. That is, small-business owners-- helping them to set up and maintain effective retirement plans for themselves and their employees.


Financial Advisor Experience

Michael has been proudly serving his clients since 2003. His focus on retirement planning strategies is a passion of his and he's proud to consider himself a lifelong learner. He has the following designations: CERTIFIED FINANCIAL PLANNERTM Professional. The CFP® mark identifies those individuals who have met the rigorous experience and ethical requirements of the CFP Board, have successfully completed financial planning coursework and have passed the CFP Certification Examination. Retirement Income Certified Professional®. The RICP® curricula is the most complete and comprehensive program available to professional financial advisors looking to help their clients create sustainable retirement income. The RICP® provides a wealth of practical information for advisors such as: • Retirement portfolio management techniques • Determining the best Social Security claiming age • Mitigation of plan risks • Proper use of annuities • Employer-sponsored benefits • Health insurance and housing decisions • Income taxation • Estate issues Chartered Financial Consultant®. The ChFC® program focuses on the complete financial planning process as an organized way to collect and analyze information on a client's total financial situation. Michael is a Series 7 Registered Representative and Investment Adviser Representative of Equity-Services, Inc. and offers securities in NY, VT, MA, CT, CO, FL, GA, IN, PA, SC, TX and VA. He is also insurance-licensed in NY, VT, MA, ME, PA and NJ.

Financial Advisor Certifications

Securities Registrations or Exam Qualifications

7, 66

Designations & Certifications

  • Chartered Financial Consultant (ChFC®)
  • Other - RIPC

Insurance Licenses

  • Life insurance
  • Health/disability insurance
  • Property/casualty

Broker-Dealer Affiliation


Financial Advisor's Specialties

Comprehensive Financial Planning, Retirement


Helpful Financial Planning Resources