American Prosperity Group was founded by Mark E. Charnet in 2003 after 25 years of experience &  success in the Retirement & Financial Estate Planning industry. Mr. Charnet believes that “everyone can benefit from the financial planning process.”

The Financial Services Client of today demands and deserves to be educated, enlightened, informed and motivated before investing in any financial product, program or company. Long gone are the days when an agent’s pitch of “trust me” was enough. Client loyalty and confidence are the financial planner’s greatest asset, which the APG Representative strives to gain and retain.

APG Representatives provide unlimited consultations where we collect data, share ideas and information, leading to the choice, creation and implementation of financial plans and programs that best benefit our clientele and their families. At this time in the recommendation process, certain products will be discussed including their positive attributes, negative characteristics – if any, fees, expenses or charges for acquisition, on-going maintenance and surrender – including a comparison to the plans and programs already implemented or contemplated by the retirement and estate planning prospect. For every product discussed, specific company brochures and or prospectuses, if applicable, will be given to the prospective client to take with them for further study and research before being asked to make a purchase at a succeeding appointment.

This Arrangement, we believe, gives our clients ultimate control, understanding and veto power without any financial obligation or commitment. Once firmly decided that APG recommendations are in their best interest, the client’s choice of companies selected for investment and product purchase, will normally compensate the APG Representative directly.

Our axiom of FCA®, is how we approach every client’s data to enhance their personal financial goals.  We pledge to:

Focus our attention on the facts at hand, your individual data…

Concentrate our energies like a laser beam on the finest programs, techniques, products and strategies available in the marketplace…

Attack the case with the voracity of a tiger to accomplish your financial goals. 

If this dynamic from a financial advisor is foreign to you, may we suggest a consultation to demonstrate how the FCA® approach will best benefit your individual situation. Call or email us today for your no cost, no obligation appointment.

1. The Creation Of Wealth

This is the easiest process to accomplish since the most important ingredient in wealth accumulation is time, not money. A little bit of money invested properly over a long period of time may grow to be a large sum of money. If you procrastinated a little too long, then you may need to add more money and or reposition your existing funds so that they will have the opportunity to work harder and faster to accomplish your goals. Dollars invested, are your employees that work 24 hours 7 days a week.

2. The Preservation And Wise Use Of Your Wealth

This pertains to your retirement years. Your retirement years should be glorious and full, safe and secure. For some, the return of principal is equally important to the return on principal. We should be able to live a lifestyle commensurate with our working years and beyond. The success of your first phase of the financial planning process will truly dictate your level of comfort during your second phase.

3. The Perpetuity Of Your Wealth

There is a family member who wants to share in your wealth to the tune of more than half. His name is Uncle Sam. You worked hard for your money, made sacrifices, took risks; you paid your taxes on the money you earned, you pay taxes on the money your money earns, you pay taxes on the money you spend and your family will pay taxes again on your money that’s left when you are gone. You must learn the ways to pass-on your wealth to your loved ones so that they can benefit from your toils. Think about it, armed with knowledge you will be in a position to change your families financial tree forever. It starts with you. Like the tree farmer who will never see the fruit of his labor but plants trees anyway so the succeeding generations may have wood for their houses, you too, can assist generations to come. Your family will benefit, charities can benefit and you will benefit from the knowledge that you have planned for the future of so many.

It would be our pleasure to welcome you into the APG family of clients. It bears repeating that there is never a fee for any and all consultations nor does APG charge a fee based on your portfolio of assets. Instead, we provide you unlimited, consultations where we get to know you and your unique circumstances. We will share ideas and information with you and, after making recommendations and discussing:

The positive attributes and negative characteristics if any

All fees, expenses or charges for acquisition, on-going maintenance and surrender, including a comparison to the plans and programs already implemented or contemplated by you

We will deliver the brochures and or prospectuses to you (if applicable) of any products mentioned during this meeting for further study and research. You will then have ample time to decide if your APG Representative’s recommendations make sense, and when you are comfortable we will implement these plans and programs where appropriate that we believe represent major upgrades to your existing retirement and estate plans. We think you’ll agree that this places you in the driver’s seat at all times and represents the most advantageous relationship for everyone.

You also can learn to work to…

Maximize your income today while protecting, preserving and perpetuating your wealth for tomorrow.®

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