Team | American Prosperity Group

The APG Team

Mark Charnet

Mark Charnet has designed a customizable roadmap to success which has served a long list of clients on the journey to pursuing their own financial goals. A self-made millionaire, Mark founded American Prosperity Group, a Wealth Management and Legacy Planning Firm, which takes a unique approach to retirement and estate planning. Frequently featured in national publications including Investment News, US News and Forbes, as well as a featured columnist for 6 years in Life and Leisure, a North Jersey publication; Mark is widely recognized for his diligence in developing financial plans that prepare his clients to retire with confidence. With 37 years of experience as a financial expert, it is safe to say Mark has achieved his goal of financially educating and enhancing the lives of everyone he meets. From speaking all over the country delivering his approach to life-long income generation and recently completing his new book, “The Trinity Method of Investing^©,” Mark strives to create and deliver the best financial plans possible to his clients and their families.

Even interactions with clients who have accumulated significant wealth revealed most were poorly or never educated how to create a perpetual retirement income for themselves and their spouse. Few are preserving, protecting and perpetuating their wealth to their children and charities of they wish to endow.

Specializing in wealth management, retirement and legacy planning along with income continuation plans, Mark offers an array of services depending on your goals. Holding credentials including, FINRA Series 6, 63, 26 and 65, Life and Health Insurance licenses, and being a Certified Annuity Specialist (CAS), Mark possesses the licensing and tools necessary to assist you in all aspects of financial planning to: Maximize your income today while protecting, preserving and perpetuating your wealth for tomorrow!^®

Mark resides with his wife and business partner, Terry Charnet, in Wayne, NJ. Mark and Terry have been happily married for 32 years, and have 4 children. As well as being an accomplished alpine skier, captain of his own boat, pianist and composer, Mark has served on multiple charitable boards and raises money for various charities and organizations across the globe. In Mark’s opinion charitable giving is the world’s best preventative medicine.

Chelsie Charnet

Director of Operations

Chelsie Charnet

Being the only daughter of Mark & Terry Charnet, the founders of APG, Chelsie has been involved in the financial industry her entire life; you could say it’s in her blood. As the Director of Operations, Chelsie captains the daily business administrative duties: from managing clients, day-to-day logistics and customer service. Chelsie’s extensive exposure to the structure of APG and industry is a great asset to the client experience at APG. The greatest lesson she has learned in the industry is that everyone needs a financial plan, it doesn’t matter if you have a few pennies or many dollars, and everyone can use APG’s services. Taking the time to plan your financial future, provides peace of mind to spend less time worrying and more time doing the things you love! When Chelsie isn’t working, she enjoys spending time with her large family, traveling, photography and anything Disney!

Joanne DeMarco

Accounting and Licensing

Joanne DeMarco

Joanne has an extensive work history in the financial industry, ranging from accounting to licensing and commissions, she enjoys working with numbers because there is no “grey area”. Originally from Parsippany, NJ, Joanne now calls Riverdale home. Being a single mom of two, she credits her daughters as her two greatest triumphs. In her rare moments of free time from the office, Joanne enjoys energetically cheering on the NY Giants or relaxing in the sun, while reading a good book.

Alex Maltez

Senior Vice President of Client Relations

Alex Maltez

After years of success as a consultant in the automotive industry, Alex’s deep-rooted passion for helping people sparked his leap into the financial services industry. In 2013 Alex joined APG and started his tutelage under his mentor, and soon to be father-in-law, Mark Charnet. After earning his Series 7, 66, and 24 Securities licenses, in addition to Life & Health Insurance licenses, Alex entered the industry prepared to fulfill his goal of guiding clients and prospects to a secure financial future. Being fluent in English, Portuguese and Spanish, Alex is able to meet with clients of many cultures, he does not let a language barrier stop him from reaching and helping as many people as possible.

Over the years Alex’s role in APG has expanded. Today, in addition to being a licensed Wealth Management & Legacy Planner, Alex is also the Senior Vice President of Client Relations. Alongside Mark, Alex provides ongoing support to all of APG’s clients and prospects.

Outside of the office, Alex enjoys traveling (especially visiting his extended family in Portugal), going to Broadway shows with his fiancé, Chelsie Charnet who’s APG’s Director of Operations, as well as spending time in the garage working on his 1998 Mustang GT.

Terry Charnet

Co-Founder and Corporate Secretary

Terry Charnet

Teresa Larsson Charnet, known as Terry, is Co-Founder and Corporate Secretary of American Prosperity Group. She studied at the County College of Morris, NJ with a concentration of study in: Psychology, Italian and Spanish, and Business Operations from 1982–1984. Terry participated in many activities and societies: Professional Foreign Language Translation, she is fluent in Spanish, Italian & English and proficient in translation of French and Portuguese. Terry was an International Exchange Student 1976 Costa Rica; and she hosted two exchange students from El Salvador and Costa Rica, whom of which she is still friends to this day. From a young age and still currently, in her spare time, Terry is also a Volunteer Educator with Mothers Against Drunk Driving (M.A.D.D.).

Terry’s earlier jobs included Corporate Administrative Assistant to VP International at Warner Lambert, The Mennen Company and Diamond Shamrock Inc., as well as catering and traveling Restaurant Manager at numerous Italian Restaurants through the tri-county area. She also acted as Official Police Translator for Rockaway Township Police Department, as well as the Wayne Township Board of Education and other civic groups. After working in all these other professional areas, Terry started part-time in Financial Services where she became hooked. Once she was shown that she could “save a family’s future” by selling a strong life insurance policy which could potentially change the lives of surviving children and spouses, making an impact on their lives and those of their future heirs – she could not stop, it became her mission to meet, reach and protect as many people as she could. At that point creating her mantra that she and her husband would run their businesses by: “everyone can benefit from the financial planning process.”

This career change into financial planning allowed Terry to meet her husband, Mark Charnet, in 1984 where they started working together, became best friends and then later married in June of 1986. Terry became a full-time financial planner in 1985 and together she and Mark opened their first office in Mark’s hometown, Pompton Lakes, NJ. Together they founded Diversified Financial Services Group in 1991 and later franchising their concept into American Prosperity Group.

The specific training and expertise she possessed and shared propelled her to the level of organizing and spear-heading public speaking engagements. Her largest audience was in 1990 speaking before 4,000+ people in the Super Dome in New Orleans and more recently at countless Franchise Conventions all over the East Coast. This year marks Terry’s 34^th year being licensed in the financial industry and she has loved every minute of it.