Fred Baldes the Head Honcho: At the ripe age of 12 Fred began his career as a paper carrier for the Times union newspaper. He has been working his way up the chain ever since. As the Owner of Cote Agency he has taken the business from a single location to multiple locations since 2010.  Fred holds and has held several industry designations such as CFP, ChFC, CLU, CASL and has a Masters in Financial Services from The American College. Starting in the insurance and financial services field in 2002 he has helped thousands of families plan for and protect their future. Being very frugal himself he has stated his goal with Cote Agency is to get the best protection for his clients at the best price. This simple philosophy has helped the Agency have tremendous growth since he has owned it. He lives in Ballston Lake and enjoys hanging out with his 4 adult children, traveling around the world, snow skiing, boating and getting a good deal...... especially for his insurance clients.