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About American Prosperity Group |
American Prosperity Group was founded by Mark E. Charnet in 2003 after 25 years of experience & phenomenal success in the Retirement & 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 trust are the financial planner's greatest asset, which the APG Representative strives to gain and retain.
APG Representatives do not charge their clients hourly
fees; nor do we bind our clients with fee-based contractual
obligations. Instead, we provide unlimited consultation 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.
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 compensate the APG Representative directly. |
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General Information |
| Years of Experience in Financial Services: |
29
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| Work Experience: |
29 years Personal Financial Advisor, Columnist.
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| States Licensed in: |
CA, CO, CT, FL, KY, MD, MA, MN, NH, NJ, NM, NY, NC,
PA, TN, TX & VA.
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| Name of Custodial Firm: |
N/A
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| Number of Years with Current Firm: |
19
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| Insurance License#: |
8201781
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| Work with the following types of clients: |
Individual Investors
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| Name of Broker/Dealer: |
BCG SECURITIES, INC.
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| States Willing to do Business in: |
Butler,Cedar Grove,Franklin Lakes,Haskell,Oakland,Ringwood,Totowa,Wanaque,Fairfield
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Services |
| Investment Types: |
Mutual Funds, Annuities, Insurance
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| Can meet clients in the following ways: |
Your Office, Email, Phone, Our Office, Your Home
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Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
Certified Senior Advisor (CSA)®, Certified Annuity Specialist (CAS)
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| Securities Licenses: |
Series 6, Series 26, Series 63, Series 65
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| Insurance and Annuity Licenses: |
Variable Life, Long Term Care, Variable Annuity, Life, Health, Annuity, Disability
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| Financial Organization Memberships: |
Financial Planning Association (FPA), NAFA - National Association for Fixed Annuities
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| Non-Financial Organization Memberships: |
Society For Certified Senior Advisors
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Firm Information |
| Advisor's Number of Clients: |
300
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Compliance |
| Criminal Disclosures in Last 5 years: |
Have a clean record
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| Compliance Disclosures in Last 5 years: |
Have a clean record
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| Registered Investment Advisor: |
Yes
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| Registered Representative: |
Yes
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| Investment Advisor Representative: |
Yes
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Compensation and Fees |
| Compensation Methods: |
Commissions
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| Minimum Portfolio Size for New Managed Accounts: |
$1000
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| Fee Structure: |
Commissions Only
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Frequently Asked Questions |
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| Q. |
What are your qualifications? What is your education background? |
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I am the creator and originator of The Trinity Method of Investing©. I use a unique, conservative and guaranteed approach to retirement, estate and asset protection planning. Contact me to discuss further or go to www.TrinityMethod.com to learn more. |
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If you are going to manage my account, will you obtain my permission every time you buy or sell something? |
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Yes, I am the only Financial Specialist you will be working with. |
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How many clients do you currently manage? |
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At American Prosperity Group (APG), there is no charge, no high pressure, and no obligation. The companies selected to manage or protect your investments, compensate me with no additional compensation from you, my client. |
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Will you be the only person working with me? |
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This goes without question. We will discuss all available options that provide the best results for your wants and needs. |
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Do you offer any guaranteed results? |
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YES. Guarantees are based on the claims paying ability of the insurance companies selected. |
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How much risk should I be willing to take? |
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This assessment is individually considered. All options are discussed in full detail before any plan is implemented. |
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Have you ever been charged with any breaches? |
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What is your approach to financial planning? |
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At American Prosperity Group (APG), there is no consultation fee, no pressure to purchase, and no obligation to you to use my services. If you choose to implement our ideas and plans, the companies selected to manage or protect your investments, compensate me directly with no additional compensation from you, my client. |
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What services do you offer? |
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I am the best at my business. My goal is to: ?Maximize your income today while protecting, preserving and perpetuating your wealth for tomorrow.?® |
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What carrier(s) do you represent? |
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We represent A-Rated or better. We will choose a high-rated carrier with the BEST underwriting possible that suits our clients? best medical condition possible. |
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Are there any pre-existing conditions that you can not cover? |
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No, but, ultimately, this in in the hands of the underwriters. |
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How long does it take to complete the application and approval process? |
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This is best determined by the underwriters. We make no claims or assumptions beyond our control. Primary cause of delay is the Physicians response time. |
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Is there a maximum age that you can insure? |
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Why should I choose you as my financial advisor? |
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I have 32+ years of experience in the financial planning industry with a CAS, Certified Annuity Specialist designation. I am the CEO and Founder of American Prosperity Group and am the Branch Manager and Office of Supervisory Jurisdiction for BCG Securities Inc., our Broker Dealer. |
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What services do you provide? What are your specialties? |
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We specialize in Retirement and Estate planning. I service those who require a guaranteed income stream to last the rest of their life or their spouses? life, in addition to those who desire maximum wealth transfer to the next generation and/or the charities or their choice. |
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What is your experience? How many clients do you currently manage? |
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As stated earlier, I have been in business for 32+ years with no complaints, fines or suspensions. I have hundreds of clients who are very happy. Some, of which, have been with me for over 30 years. |
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What financial institution(s) do you represent? |
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We represent the top name insurance companies, financial management companies, mutual fund companies and money management firms in the nation. In addition, smaller, lesser known boutique type of shops and programs that specialize in narrowly defined areas to best serve the interests and needs of our clientele. |
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What are your qualifications? |
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Having 32+ years of experience in this business, starting at the age of 19 and while in college, I am uniquely qualified to handle any and all of your 401K rollover needs. |
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What is your approach to 401 K plan rollovers? |
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This is best answered by visiting www.trinitymethod.com for a complete explanation of this question. |
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How long does the process of rolling over a 401K plan usually take? |
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After a consultation to discuss your needs and the products and programs to fulfill them, 5 minutes or so for the initial paperwork and normally a few days to complete the rollover transaction. |
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What financial institutions do you represent? |
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We represent the top insurance companies, financial management companies, mutual fund companies, and money management firms in the nation. In addition, smaller, lesser known boutique type shops and programs that specialize in narrowly defined areas that best serve the interest and needs of my clientele. |
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How many years of experience do you have? |
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I have 32+ years of managing my clienteles? needs and expectations with great success. |
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What are your fees for this service? |
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I do not charge any additional fees over and above what the vendors themselves charge. No wrap accounts or typical Brokerage type fee structure. |
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How many 401K rollover clients do you currently manage? |
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Why should I roll over my 401K plan to your firm? |
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Only if you feel we offer the best plans, benefits, and programs in line with your thinking, needs and requirements. |
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