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The APG Philosophy
about our company

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

The Finest in Financial Estate Planning

A note from Our President

A special thanks for taking time out of your busy schedule to join us for a journey through the universe of financial planning. We would like to invite you to attend one or all of our upcoming workshops that address specific financial topics. Simply put, our financial planning process involves three areas:

The Creation of wealth

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 have procrastinated a little too long, then you may need to add more money or reposition your existing funds so that they will have the opportunity to work harder and faster ensuring you accomplish your goals.

The Preservation of your Wealth

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.

Assessing Your Needs

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 hard work. Armed with the correct knowledge, you will be in a position to change your family's financial situation forever.

you're our priority
Why American Prosperity Group?

It would be our pleasure to welcome you into the APG family of clients. We want to remind you that consultations are complimentary. Instead, we provide you with unlimited consultations where we get to know you and your unique circumstance. We will share ideas, information, and recommendations with you. 

get started with our process
meet our team

Meet the team that is dedicated to offering the finest financial and estate planning experience possible. 

Mark Charnet

Founder & CEO
learn about Mark

Dennis Naroditsky

Director of Operations, Licensed Insurance Agent
learn about Dennis

Terry Charnet

Co-Founder & Corporate Secretary
learn about terry

Joanne Demarco

Accounting & Licensing
learn about joanne
trinity method of investing

“The Trinity Method of Investing offers protection from the 5 forces of portfolio demise.”

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Making your future our priority

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location

  • Sparta, NJ

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Mark Charnet is a registered representative of and conducts securities transactions through CoreCap Investments, LLC., a registered broker-dealer, member FINRA/SIPC. Mark Charnet is also an investment advisory representative of and provides advisory services through CoreCap Advisors, LLC. American Prosperity Group is a separate entity and not affiliated with CoreCap Investments or CoreCap Advisors.

The content of this website is developed from sources believed to be accurate and complete; however, no guarantee can or is given for such accuracy or completeness. Nor is the information in this material intended as tax or legal advice. Please consult your own legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale, or the solicitation of such an offer, of any security, insurance product, or annuity in any jurisdiction in which the persons represented on this site are not appropriate licensed, registered, appointed, or otherwise qualified by law and regulation to make or solicit such purchases and sales.

Mark Charnet is authorized to transact securities related business and investment advisory services only in states where he is properly registered. For investment products and services these states include: CA, CT, FL, KY, MA, NC, NJ, NY, OH, PA, TX, VA. For investment advisory services these states include: CA, CT, KY, MA, NC, NJ, OH, PA, VA. Additionally, clients who are not residents of these states cannot be serviced. This website is not intended to provide investment, legal, or tax advice, nor to effect securities transactions or to render personal advice for compensation.

Catelyn Terrill

Administrator

As an Administrator at Assurance & Guarantee, Catelyn Terrill is motivated by her desire to help others. Everyday she works to help men and women achieve their retirement goals; Catelyn understands how difficult it can be to plan for retirement without the aid of an advisor. You can find Catelyn helping clients, taking phone calls, filling out paperwork, and assisting retirement planners daily.

Originally from Burlington, North Carolina, Catelyn now resides in Graham, North Carolina with her husband, Isaac. Her favorite travel destination is any beach on the West Coast. Her favorite hobbies include music, playing the piano, and learning sign language. Catelyn wants to ensure that all others feel comfortable and loved; she is able to achieve this by continuously living an honest life and passionately serving God.

Olivia Hutchens

Office Manager

As the Media Manager at Assurance and Guarantee, Isaac’s primary responsibilities consist of working with the company’s social media and marketing. He chose to enter the financial industry because of his desire to help people make informed decisions about the money that they’ve invested, therefore helping people live a happier and healthier retirement.

Isaac has been in the industry for 2 years and says that the most valuable lesson he’s learned thus far, is to make sure that the people you’re working with have your best interest in mind and not their own.

Before entering the financial industry, Isaac attended Steller school for Higher Learning and is currently working on getting his Mechatronics Engineering Degree at Alamance Community College. Aside from school and working at Assurance and Guarantee, Isaac enjoys playing sports such as basketball, soccer, and airsoft.

Isaac Terrill

Media Marketing Manager

As the Media Manager at Assurance and Guarantee, Isaac’s primary responsibilities consist of working with the company’s social media and marketing. He chose to enter the financial industry because of his desire to help people make informed decisions about the money that they’ve invested, therefore helping people live a happier and healthier retirement.

Isaac has been in the industry for 2 years and says that the most valuable lesson he’s learned thus far, is to make sure that the people you’re working with have your best interest in mind and not their own.

Before entering the financial industry, Isaac attended Steller school for Higher Learning and is currently working on getting his Mechatronics Engineering Degree at Alamance Community College. Aside from school and working at Assurance and Guarantee, Isaac enjoys playing sports such as basketball, soccer, and airsoft.

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