Meet Fred Baldes, the Head Honcho. At the tender age of 12, Fred embarked on his career as a paper carrier for the Times Union newspaper. Ever since then, he has been steadily climbing the ladder of success. As the Owner of Cote Agency, Fred has transformed the business from a single location into multiple thriving branches since 2010.

Fred possesses an impressive array of industry designations, including CFP, ChFC, CLU, and CASL. In addition, he holds a Masters in Financial Services from The American College. Having entered the insurance and financial services field in 2002, Fred has assisted countless families in planning for and safeguarding their future.

Notably frugal himself, Fred has made it his mission at Cote Agency to secure the best possible protection for his clients at the most competitive prices. This straightforward philosophy has been instrumental in propelling the agency to remarkable growth under his ownership.

When he's not immersed in his professional pursuits, Fred resides in Ballston Lake, where he cherishes spending time with his four adult children. He also has a penchant for globe-trotting, snow skiing, boating, and, true to his nature, finding excellent deals—especially for his valued insurance clients.