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Michael Frontera CFP®, RICP®, ChFC® Retirement Theory- HELPING TO CREATE YOUR PERSONAL RETIREMENT PLAN STRATEGY Retirement Planning Solutions since 2003 Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment advisor. TAG Advisors and Cambridge, Member FINRA/SIPC, 2452 Route 9, Ste. 204, Malta, NY 12020. (518) 667-2022. Cambridge and Retirement Theory are not affiliated. Registered Representatives of Cambridge Investment Research, Inc. do not offer tax or legal advice. For advice concerning your own situation, please consult with your appropriate professional advisor. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNERTM and CFP® in the U.S.

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