At NPA Financial Inc., our associates assist clients in establishing financial*, retirement and estate plans.

By applying appropriate designs, keeping abreast of changes in tax law and selecting quality insurance and investment* products, we help you protect your families and businesses, reduce your tax liability and pursue your investment and asset accumulation goals and objectives. Together, we analyze, design and implement programs that address each of your unique concerns.

Through a team of competent, high quality associates, NPA Financial Inc. helps provide clients with financial security using a comprehensive, coordinated process. We evaluate each client's unique situation and recommend integrated strategies and solutions in the following areas:

· Capital Accumulation Strategies
· Survivorship
· Income Replacement Strategies
· Long Term Care
· Estate Planning Strategies
· Business Continuation
· Fringe Benefits
· Business and Personal Insurance


President
Richard Frontera, CFP^®

Richard Frontera has been in the Financial Services industry since 1976. Richard started his career with John Hancock Financial Services. In October of 1981, Richard received his Chartered LifeUnderwriter (CLU) Designation and in 1984, received his Chartered Financial Consultant (ChFC) Designation both through the American College in Bryn Mawr, PA.

In 1986, Richard left John Hancock to form Target Financial Services, Inc. in Albany, NY. In 1996, Richard was appointed as the General Agent for National Life Insurance Company and the Branch Office Supervisor for Equity Services, Inc.

In January 1998, Richard was authorized by the CFP^® Board of Standards as a CERTIFIED FINANCIAL PLANNER^TM.

rfrontera@npafinancial.com

Richard is a Registered Representative and Investment Adviser Representative of Equity Services, Inc. and offers securities in New York.  Richard is also insurance-licensed in New York.

*Securities and investment advisory services are offered solely through Registered Representatives and Investment Advisor Representatives of Equity Services, Inc., Member FINRA/SIPC, 28 Corporate Drive, Suite 100, Clifton Park, NY 12065, 518-688-2223. Equity Services, Inc. is a Broker/Dealer and Registered Investment Adviser Affiliate of National Life Insurance Company, Montpelier, Vermont. All entities and individuals referenced are independent of Equity Services, Inc. unless otherwise noted.

CFP^® and Certified Financial Planner^TMare certification marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP Board’s initial and ongoing certification requirements.