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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 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.


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.







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.








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.








8 Steps to a Higher Net Worth in 2022
To become a high net worth individual, start establishing good financial habits this year.


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


Major indices jump 9% in monster rally—but traders expect more ‘uneasiness’ next week
What did you expect on Friday the 13th?



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.





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