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If you're looking for Mike's blog on various retirement planning topics, you have found it-- Check back for updates every few weeks!
 

Monday, July 29, 2019

Transcript: Hi guys Mike Frontera here back with another retirement Theory video. Are you retired or have you inherited retirement money? If so there may be some major changes coming your way, the most major of which revolve around...

 

Friday, June 21, 2019

Transcript: Hi guys Mike Frontera here back with another Retirement Theory video. Do you have a charity that you're passionate about? A group that does really good work and has a special place in your heart? I'm sure a lot of us do...

 

Friday, May 10, 2019

Transcript: Hey guys, Mike Frontera here back with another edition of retirement theory. You know, there are few things scarier to most of us than spending our last years fading away in some nursing home. We’ve probably all had...

 

Tuesday, April 9, 2019

Transcript: Hey guys, Mike Frontera here, back with another edition of Retirement Theory. So today I’m going give a big slap in the face to conventional wisdom. And by doing so, hopefully convince you of why having a financial...

 

Wednesday, February 27, 2019

Transcript: Hey guys, Mike Frontera here, back with another edition of Retirement Theory. You know, there’s nothing more frustrating to me than being told that something is really important, but at the same time not...

 

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Thursday, January 24, 2019

"...laying out a simple budget solves that and lets you know how much can safely be spent on anything you want! No matter how frivolous it may seem!"

 

Friday, December 14, 2018

"... don’t look at the collective portfolio and think “oh no, I’ve lost ten thousand dollars.”

 

Tuesday, November 6, 2018

Transcript: Hey guys, Mike Frontera here back with another edition of Retirement Theory! Ah the American Dream of home ownership! You finally have your piece of the pie-- with a paid off mortgage being the cherry on top, of course!...

 

Wednesday, October 10, 2018

"...more importantly, you can buy gift cards at a discounted price!"

 

Thursday, September 6, 2018

"...People are selling everything from voice over work, to writing, artwork, and way beyond."

 

Thursday, July 26, 2018

"...If you don’t know how to make one, don’t worry about it. I’ve got you covered!"

 

Monday, July 2, 2018

"...it is crucial that you know what your income needs to be in order to qualify for subsidies." Transcript: Hey guys, Mike Frontera here with a new edition of Retirement Theory. New name, same great information. You know, more and...

 

Tuesday, May 22, 2018

"...Technically, yes, our government has borrowed most of the money in the Social Security trust fund." Transcript: Hey guys, Mike Frontera here, back with another edition of Retirement Insights. Clients come into me all the time with...

 

Monday, April 16, 2018

"...they should get a bad rap. On the other hand, annuities are often not given the credit they deserve either."

 

Friday, March 16, 2018

"...while it’s nice to have a lot of dollars, the only thing that matters is what goods and services those dollars will actually buy!"

 

Monday, February 26, 2018

Well, what a difference a month makes! There was very little debate about what I wanted to talk about this month. Financial matters can kind of lie dormant...

 

Monday, January 22, 2018

Hi I’m Mike Frontera and welcome to another edition of Retirement Insights. Happy 2018 to you and with the new year we have a new set of tax rules to live by. That’s right. Arguably the most major tax reform...

 

Monday, December 18, 2017

"...To remain fully invested in Bitcoin would defy even the most basic logic about diversifying away risk..." Transcript: Hi I’m Mike Frontera and welcome to another edition of Retirement Insights. Few investments have had the...

 

Monday, November 27, 2017

"...in fact, you can even find Medicare Advantage plans with $0 premiums..." Hi, I’m Mike Frontera and welcome to another edition of Retirement Insights. Hey! It’s Medicare’s Open Enrollment Period! It’s that...

 

Monday, October 9, 2017

"...I want to tell you about a simple and free piece of planning that you can do with your bank accounts to make things easier on your beneficiaries."

 

Monday, September 11, 2017

"...do not let a 16-year-old child make one of the largest financial decisions of the household on their own!" Hi again and welcome to another edition of retirement insights.It’s back to school time and what better time to think...

 

Wednesday, August 9, 2017

"...you may ultimately draw out more money this way than you would with a more traditional withdrawal strategy." Hi again and welcome to another edition of retirement insights. You know, I love working with people getting ready to...

 

Thursday, June 29, 2017

"Thus we can...take some comfort in knowing that if you had to grab your contributions back, that you could." Hello again, I’m Mike Frontera and welcome to another edition of Retirement Insights! You know, I think one of the...

 

Monday, May 15, 2017

"Most of all, remember this is one of the more important decisions that you'll make in retirement..." Hello again and welcome to this month’s edition of retirement insights. Today I want to talk to you about a topic that tends...

 

Tuesday, April 11, 2017

"...you may not have enough time to wait out some of the downs that can happen in the market."

 

Thursday, March 9, 2017

Something you love for 20 years versus something you don't even like for 10? Doesn't that sound like a better deal?

 

Wednesday, February 1, 2017

Are you receiving Medicare? If so, you may be subject to a sneaky "tax" based on your income from two years ago! TC93470(0117)1

 

Tuesday, December 13, 2016

Written by Michael Frontera CFP®, RICP®, ChFC® As you raised your children, there were many times that you needed to make decisions for them. Important decisions about their healthcare, their schooling, their finances....

 

Tuesday, October 4, 2016

Written by Michael Frontera CFP®, RICP®, ChFC® How would you react if you heard that your health insurance moved to a high-deductible plan? If you’re like most people, you’d probably groan and wonder how much...

 

Monday, July 11, 2016

Written by Michael Frontera CFP®, RICP®, ChFC® When was the last time you thought about your life insurance policy? Maybe you saw a commercial on TV and it reminded you to check your coverage. Or perhaps your friend...

 

Tuesday, April 26, 2016

Written by Michael Frontera CFP®, RICP®, ChFC® Are you supplementing your retirement income by taking IRA withdrawals? You may be taking out too much and unnecessarily increasing your tax burden. I know what you’re...

 

Friday, March 4, 2016

Written by Michael Frontera CFP®, RICP®, ChFC® There’s no doubt in my mind that one of the most important, yet overlooked, areas of financial planning is the beneficiary designation. Despite what your will says, a...

 

Friday, January 8, 2016

I know. It would be more exciting if the title of this blog ended with a period rather than a question mark. That’s how most of the financial analysts do it. With the confidence that only...

 

Friday, November 13, 2015

Written by Michael Frontera CFP®, RICP®, ChFC® For those of you who regularly read my blog, thank you and how smart of you! You may remember my July 2013 story “Another Social Security Strategy Heard From!”....

 

Monday, October 5, 2015

Written by Michael Frontera CFP®, RICP®, ChFC®The stock market is once again front and center in many of your minds as volatility has spiked in the last week or so. If you’ve been watching the news, especially the financial news,...

 

Friday, July 31, 2015

Written by Michael Frontera CFP®, RICP®, ChFC®Debt stinks. Debt brings with it all kinds of bad feelings: depression, anxiety, insecurity, and a distinct feeling of being trapped. On your road to financial independence it’s often one...

 

Sunday, May 31, 2015

Written by Michael Frontera CFP®, RICP®, ChFC®Picture this: You walk into a new investment broker’s office with a fistful of money ready to invest. After exchanging pleasantries, the broker begins to ask you a series of questions to...

 

Monday, April 13, 2015

Best Practices to Enjoy the Retirement Life You’ve Built Written by Michael Frontera CFP®, RICP®, ChFC®Why do we save for retirement? To cover our expenses when we are no longer willing or able to work full-time, of course. But why...

 

Sunday, March 15, 2015

Written by Michael Frontera CFP®, RICP®, ChFC®Spring is here and with that comes tax season—and the people from Liberty Tax Service dressed up like the Statue of Liberty. That always makes me chuckle. And while it may be a bit late to...

 

Saturday, February 14, 2015

Written by Michael Frontera CFP®, RICP®, ChFC® Remember that feeling when you realized your school project was due in two days and you hadn’t gotten started on it yet? I do. Cramming three weeks of research on Lewis & Clark in a...

 

Monday, January 12, 2015

Written by Michael Frontera CFP®, RICP®, ChFC® Let’s face it-- financial emergencies happen to all of us. There’s even a popular phrase that substitutes “financial emergencies” for a certain four-letter word followed by “happens” to...

 

Friday, December 5, 2014

Written by Michael Frontera CFP®, RICP®, ChFC®I just got a new car last month and I’m pretty excited about it. I’m a bit of a car guy, so the last 3 or so years of driving a “sport wagon” (translation: station wagon) has been a bit...

 

Thursday, November 6, 2014

Written by Michael Frontera CFP®, ChFC®What is your largest financial asset? Your home? Your retirement portfolio? For many people in retirement, the answer is one of those two things. For those of us still in the workforce however,...

 

Tuesday, October 7, 2014

As most of you hopefully know, I thoroughly enjoy the work that I do. Helping people with their financial lives is a rewarding endeavor in of itself. However it is the relationships that we build over the years that is truly the most...

 

Sunday, September 7, 2014

Written by Michael Frontera, CFP®, ChFC®September has once again snuck up on us and here in Clifton Park we’re already starting to see hints of the leaves changing their beautiful colors. Football season has started up, school is back...

 

Thursday, August 7, 2014

Written by Michael Frontera CFP®, ChFC® Not too many years ago retirement was a pretty predictable thing. You worked for the same company for 40 years and when you turned 65 you got your retirement party, gold watch, etc. and went on...

 

Tuesday, July 8, 2014

Written by Michael Frontera CFP®, ChFC® "I'm turning 62 next year, so I'll be starting up my Social Security." I've heard this basic phrase (and variations of it) countless times when working with a retiree's plan for income. It is...

 

Thursday, June 5, 2014

Written by Michael Frontera CFP®, ChFC® It's June and the summer weather is finally here in the Capital District. As I'm writing this a thunderstorm is brewing. How neat! I like watching storms-- the variability and volatility of the...

 

Monday, May 5, 2014

Written by Michael Frontera, CFP®, ChFC®I think most of us are familiar with life insurance and why people get it. Most people take out a life insurance policy to financially protect their loved ones if they pass away. Whether due to...

 

Monday, April 7, 2014

Written by Michael Frontera CFP®, ChFC® It's a simple piece of investment advice: Buy Low, Sell High. But much like chess, Scrabble, or golf, learning to play is easy. The actual execution...that's another story. So what makes...

 

Thursday, March 6, 2014

Written by Michael Frontera CFP®, ChFC® The ever-popular NCAA basketball tournament is starting up again this month. With all those hoops games going on, and players "draining buckets" (for the uninitiated that's slang for successfully...

 

Sunday, February 9, 2014

Written by Michael Frontera CFP®, ChFC®I like to think of the journey to retirement as a climb to the summit of a great mountain. Maybe it's my fondness for the Adirondacks! On the way toward that mountaintop there are risks that most...

 

Sunday, January 12, 2014

Written by Michael Frontera CFP®, ChFC® "It was the best of times, it was the worst of times, it was the age of wisdom, it was the age of foolishness..." -- Charles Dickens For many, 2013 played out much like that famous first line of...

 

Friday, December 6, 2013

Written by Michael Frontera CFP®, ChFC® "A toast to my big brother George-- the richest man in town!" -- Harry Bailey, It's a Wonderful Life The holidays are here again and for most of us, it can be a hectic time of year. There's so...

 

Tuesday, November 5, 2013

Bonds Basics"Bond. James Bond." We're captivated by the onscreen heroics of Roger Moore, Daniel Craig, Pierce Brosnan and of course, Sean Connery. From "Dr. No" to "Casino Royale", Bond is exciting, daring and totally unforgettable!...

 

Thursday, October 3, 2013

Written by Michael Frontera CFP®, ChFC® [The purpose of this and last month’s blog is to uncover some important misconceptions about the 401(k). I will be using “401(k)” as a short-hand to cover most employer-based retirement plans...

 

Friday, September 6, 2013

Written by Michael Frontera CFP®, ChFC®[Let me preface this blog by saying that there are many good reasons to contribute to your 401(k). Not the least of those is a company-match (if offered). The purpose of this month's blog, and...

 

Thursday, August 8, 2013

"I haven't done any estate planning," said a new client during a meeting last week. We were going through step two of the Retirement Planning Process and discussing her current financial picture and goals for the future. I then asked...

 

Wednesday, July 10, 2013

You’ve paid into the Social Security system for decades and now you’re ready to collect. Where do you start? Well if you’re in Clifton Park, you’d probably run down to the Schenectady Social Security Office – maybe Plattsburgh if...

 

Friday, May 31, 2013

"The stock market is unstoppable, do you think we should go more aggressive?" is a phrase (more or less) that I've heard more times over the past two months than in any time over the past ten years. Considering that the S&P 500 is...

 

Monday, April 29, 2013

Like a sneaking ninja stalking its next target, inflation has a way of remaining unseen until the damage is done...not unlike my hair loss too I suppose- but I digress. Inflation is one of the least talked about aspects of retirement...

 

Thursday, April 4, 2013

What is your tolerance for risk? We're talking about the risk of declines in your investment portfolio here...not the risks associated with bungee jumping, alligator wrestling, eating ice cream everyday (yes that can be risky too), or...

 

Friday, March 1, 2013

I know it's getting close to tax-time--- I see people out on Route 9, and on Hoosick Road in Troy dressed up as the Statue of Liberty waving at the cars! Wherever you live, you probably have seen them, or something similar. They make...

 

Friday, February 1, 2013

2013 is in full-swing, let's take a look at your investments and ask an all-important question. Is your portfolio diversified*? Before we can answer that, there are two other questions that you should be able to answer: 1. What does it...

 

Wednesday, January 2, 2013

Goodbye Father Time and hello Baby New Year! As 2013 begins, we once again get bombarded with prognostications and theories about this year's stock market outlook. Do your best to avoid the media hype and remember that no one has a...

 

Saturday, January 7, 2012

It's November and most everyone has the Presidential Election on their mind. What will the next four years bring to our country? How will our President deal with these events, and what is his goal for his term as President? What is the...

 

Friday, January 6, 2012

As we watch the leaves change and the air get a bit crisp here in the Capital Region, it's clear that Autumn is upon us. The end of another quarter is here and your 3rd quarter statements will be on their way to your mailbox. This...

 

Thursday, January 5, 2012

September is Life Insurance Awareness Month. Many of us carry life insurance to protect our business, our assets, or in most cases, the ones we love most. I've personally delivered life insurance death claim checks to families who lost...

 

Wednesday, January 4, 2012

It's August and for those of us in the Capital Region, let me say for the last time: I cannot help you retire with winning exacta and trifecta picks at Saratoga Race Track! Ok, with all jokes aside, I have two items to mention this...

 

Tuesday, January 3, 2012

Half of 2012 has now gone by. With all of the political and economic uncertainty this year, it is easy to let the day-to-day stories from the media take over your long-term investment goals. Step back, take a breath, and try to resist...

 

Monday, January 2, 2012

June is upon us and it's time to do a little housecleaning: If you would like to access all of your accounts using ONE website, you now have the ability to. Please email me or call (518) 688-2223 and I will verify your identity and...