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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.

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Learn from a professional on preserving and protecting your wealth and creating your dream retirement.  Founder of American Prosperity Group, Mark Charnet has featured placements in many news stations and publications for his expertise in the financial industry.

Will a HELOC or Home Equity Loan Be Better in June?

While inflation slowed a bit in April, it’s uncertain whether the Fed will lower rates in the near future, as predicted earlier this year, because the inflation rate is still higher than its target..

Will a HELOC or Home Equity Loan Be Better in June?

If you need to borrow money, you may want to consider tapping into your home equity.

Accessing Your Home Equity? Here’s What Experts Say to Avoid Doing

Investing rates are high thanks to the Federal Reserve’s ongoing fight against inflation.

Should Seniors Use Their Home Equity to Pay Bills? What Expert Say

The red-hot housing market in of the last few years has sent home prices upward.

I’m a Financial Planning Expert: Here’s the Most Your Should Spend on Your Rent or Mortgage

The cost of living and, housing in particular, has skyrocketed in recent years. .

I’m a Financial Advisor: 5 Investments Every Gen Zer Should Make Before Turning 30

For the generation that came of age during the Great Recession, building wealth hasn’t been easy.

How Much Would a $15,000 Home Equity Loan Cost Per Month?

If you’re a homeowner, and you need to borrow $15,000, you’re likely in luck.

Is a Home Equity Loan or HELOC Better Amid Rising Inflation?

Inflation came in hot for the third month in a row in March.

How to Use Home Equity to Purchase a Second Home

If you’re in the market for a second home, you may consider multiple ways to finance your purchase.

Why You Should Get a Home Equity Loan With Interest Rates Paused

Borrowers hoping for some quick relief were left disappointed this week after the Federal Reserve elected to keep interest rates paused.

The Ultimate Home Maintenance Checklist

Homeowners, follow these steps to keep your investment in good condition.

What is a Home Equity Agreement?

A home equity agreement is an arrangement where a homeowner sells a portion of the equity in their home to an investor in exchange for cash.

Why a HELOC May Be Better Than a Home Equity Loan This Spring

If you need to remodel your home, repair your car, pay off high-rate debt or cover another large expense, tapping into your home equity may make sense.

401(k) Loans vs. HELOCs: Which is the Better Option Right Now?

Gold has multiple common uses.

401(k) Loans vs. HELOCs: Which is the Better Option Right Now?

If you need to borrow money, two popular options to consider are 401(k) loans and home equity lines of credit (HELOCs).

How to Compare HELOCs

If you own your home, you may have access to a large credit line. 

How to Escape the Credit Card Debt Trap: 6 Ways to Get Out of Debt Faster

If you carry credit card debt from month to month, you may feel trapped.

How Much Do You Have to Make to Afford a $1 Million Home?

If you’re in the market for a new home, it’s important to put consideration into your budget.

HELOC Dos and Don’ts to Know

Your home equity is a powerful financial tool.

Best Places to Invest in Real Estate in 2024

Just about everyone knows that they should be making investments.

Best Places to Invest in Real Estate in 2024

Real estate investors can find opportunities in up and down markets.

Is It Hard to Get a HELOC?

home equity line of credit (HELOC) could be an effective way to consolidate high interest debtpay for home repairs and renovations or take care of a wide range of other expenses.

Will HELOC Rates Go Down in 2024?

A home equity line of credit (HELOC) is a lending product that lets you borrow cash from your home’s equity when you need it.

3 Reasons to Buy Gold for Your Kids

If you plan on tapping into your home’s equity, you have a couple of options to do so without any changes to your current mortgage. 

3 Reasons to Buy Gold for Your Kids

Gold may be the oldest investment product on earth.

How to Read a Credit Report: What You Should Look For and Why

There’s a ton of information contained in your credit report, so let’s take a moment to understand exactly what’s in there, and what it’s all for.

Where Should I Retire?

There are many things to consider, starting with cost of living.

Is Gold Still a Good Hedge Against Inflation? Experts Weigh In

According to a an October 12 report from the Labor Department, prices rose 0.4% from August to September while the annual inflation rate remained static at 3.7%.

How the Housing Crisis Impacts Your Retirement Savings

Learn how your long-term savings could be affected by the shortage of homes.

Think You Have to Move to Afford Retirement? These Financial Steps Can Help You Stay Where You Are

Retirement should be an exciting time in your life, but it can very easily become stressful, complicated and – unsurprisingly – expensive.

What is the Average 401(k) Return?

Peruse the available data to help estimate the rate of return on your 401(k) plan.

Why Investors Are Turning to Gold Despite Inflation Cooling

As inflation heated up over the last few years, many investors turned to gold to hedge against related losses.

10 Things for Retirees to Know About Buying a Second Home

It’s hard work owning a vacation home.

HELOC Draw, Repayment Periods: What to Know

Thanks to rising home prices, American homeowners are sitting on lots of equity these days – about $270,000 on average per homeowner. 

What Are the Requirements to Get a HELOC or Home Equity Loan?

Home equity lines of credit and home equity loans let you borrow against the equity in your home.

The Relocation Dilemma: To Rent or to Buy?

It’s one of the biggest decisions for retirees making a move; answering these 6 questions can help you make it. 

How to Pay for Home Renovations

How you pay for home renovations depends on the project, how much you have saved up, and your ability (or desire) to take on additional debt.

10 Ways to Shave $100 or More From Your Budget

The best way to beat inflation: Shop smart, eliminate extra spending.

Considering a Lump-Sum Pension Payout? Here’s What to Know, and Why to Act Soon.

Workers who are considering taking a lump-sum payment from their employer-sponsored pension in retirement shouldn’t wait much longer to decide…

4 Things to Know Before Raiding Your Retirement Plan

When you’re pressed for cash, there may be cheaper alternatives.

How to Open a Brokerage Account for Your Kids

Investing for your kids is the best way to give them a financial leg up.

6 Legal Tax Shelters to Consider

Using a tax shelter can be a smart way to legally reduce your tax bill.

8 Steps to a Higher Net Worth in 2022

To become a high net worth individual, start establishing good financial habits this year.

10 Rules for Investing After Retirement

Expert tips on how to invest money after retiring.

Saving Tips from a Financial Expert

The goal of becoming a millionaire while starting out with “zero” is something we all can strive for

In 2021, Inflation Is Real – But Don’t Panic

An anticipated jump in inflation this year would be inconvenient, but it needn’t be a disaster.

How to Pay for Long-Term Care When you are not in Perfect Health

What to do if you think you can’t qualify for long-term care insurance

Life Insurance for Single Parents

Without another parent to step in, what happens when you are no longer able to take care of your children?

Annuities vs. 401(k): Understanding the Similarities and Differences

Without another parent to step in, what happens when you are no longer able to take care of your children?

How do HELOC Fixed-Rate Options Work?

Without another parent to step in, what happens when you are no longer able to take care of your children?

Smart Ways to Use Your HOme Equity for Remodeling?

Without another parent to step in, what happens when you are no longer able to take care of your children?

3 Reasons to Buy Life Insurance in Your 20’s

Life insurance buyers traditionally have dependents or are married — in other…

How to do a Balance Transfer in 5 Steps

Life insurance buyers traditionally have dependents or are married — in other…

Profit-Sharing Plans: Should You Take One?

Consider your retirement goals and savings preferences before getting a profit-sharing plan.

Profit-Sharing Plans: Should You Take One?

Consider your retirement goals and savings preferences before getting a profit-sharing plan.

Great Ways to Earn Extra Cash in Retirement

Take these easy steps to increase income during your retirement years.

Worst Mistakes When Lending Money

15 Mistakes to Avoid When Loaning Money to Friends and Family

Options to Help Participants Avoid Tapping Into Retirement Savings

Plan sponsors can share with participants other options to consider before taking a DC plan loan or withdrawal.

How to Help Your Teen Responsibly Build Credit

And what to discuss so they don’t show up a day late and a dollar short

What to do With an Inheritance

Receiving an inheritance after the passing of a loved one, especially when it’s unexpected

Watch Your Credit Score, Even with Relief

Millions of Americans are struggling to pay off their loans during the pandemic.

30 Careless Ways Retirees Waste Money

Receiving an inheritance after the passing of a loved one, especially when it’s unexpected

How to do a Balance Transfer

Transferring your existing balance to a zero-interest credit card can help you pay off card debt faster and avoid paying extra interest.

Components of Annuity Pricing

The costs of annuities depends on the type and the amount of flexibility.

All About Funeral Costs: Average Costs for Burial, Cremation, and Funeral Services

Transferring your existing balance to a zero-interest credit card can help you pay off card debt faster and avoid paying extra interest.

Caring for Aging Parents: How to Ease your Financial Burden

Are you a Millennial worried that you’ll soon be taking care of your elderly parents?

All About Funeral Costs: Average Costs for Burial, Cremation, and Funeral Services

Transferring your existing balance to a zero-interest credit card can help you pay off card debt faster and avoid paying extra interest.

8 Rules for Investing After Retirement

How to invest your retirement money

Your Loved One Just Made a Huge Money Mistake – Now What?

Find out if it’s OK to give money tips or let them borrow money.

What is a Fiduciary Financial Advisor?

A fiduciary financial advisor is an investment professional who is legally obligated

Should  get a Credit Card or a Personal Loan?

Myth or fact? Credit cards and personal loans are practically the same.

Guide to Investing in Bond Funds

Bond funds can diversify your portfolio, but it’s important to…

5 Questions to Ask about Living Benefits

Myth or fact? Credit cards and personal loans are practically the same.

The Single Mom’s Guide to Investing

Bond funds can diversify your portfolio, but it’s important to…

Reverse the Way You Budget by Paying Yourself First

Many people approach budgeting in this fashion: Pay bills, spend a little, and any money that’s left goes in savings.

Unique Financial Gifts for College Graduates

With the end of the semester approaching, many students are preparing for graduation. 

How to Really Save Money on Car Insurance

Car insurance isn’t a one-size-fits-all proposition.

15 Financial Resolutions that will Make you More Money in 2020

You know the year-end ritual, make all sorts of promises to do better…

What Does Life Insurance Cover?

5 Unexpected Ways Life Insurance Can Help Your Family After You Die

How to Score a Top Rate in a Savings Account

Rising rates may irk Trump but they’re good news for savers. Here’s how to find the best rate.

How Much Does a Financial Advisor Cost?

Financial advisor fees can be hidden inside different fee structures.

Best IRA Account Providers

You don’t need a lot of money to open a tax-advantaged IRA account with these companies.

After Market Whiplash, Experts Say Check Your Investment Basics

Bottom line: Don’t obsess over what you can’t control.

5 Tips for Turning Bad Credit into Good Credit

Your credit score might be the most important number in your life.

16 Tips for Making Tax-Deductible Charitable Donations

As the clock winds down on 2018, many people are scurrying to make their final charitable donations…

Beware of These New Estate Planning Scams

Bad advice. High fees. Trust mills. There’s a lot to watch out for when…

Public Liability Insurance: Cost, Coverage & Quotes

Public liability insurance is the term used in the United Kingdom for what United States agents…

Featured Placements on TV

Proud to be your local news financial expert, Mark Charnet shares tips and knowledge on a variety of financial topics.

News 12 – It’s Your Money – Interview with Mark Charnet

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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