I’m Mark Lange, the founder and President of Prudent Financial LLC.
My journey to build Prudent started when my dad was given the opportunity to retire and take his pension or a buy out from his company with some additional options. My dad like many people had expected to work till he was 65, but that didn’t happen. My dad was given his option to take his earlier than expected when he was 60. This brought a whole new set of things into the retirement picture that were never factors before. We sat down and examined all of the different options, and as we did, my dad said he was glad he had a son who knew how to evaluate all these different options and the risks associated with the choices. We developed a game plan that would provide the best options for what he and mom wanted. It meant he had to make some hard decisions, but it also meant he had to do a lot of analysis to evaluate the options to come up with the best course to take. After I finished up the analysis for mom and dad, I realized that the landscape of retirement planning was changing forever. We were leaving the golden age of pensions, and now entering the age of the 401K. The simple retirements of your parents and grandparents for the most part are over. Now you will have to take control of many decisions you hadn’t thought about or expected.
Prudent was founded in 2014 to give clients the ability to work with an independent planning group that focused on our clients. In 2017 Brian Cody joined Prudent as a partner. Brian’s background as a former teacher of the retirement and estate planning segments of the Certified Financial Planner curriculum for 8 years was the type of advisor Prudent is based on. Our desire to develop a rigorous standard of fiduciary excellence is what drives us. We are always looking for ways to improve what we do for our clients.
As a result of our joining forces, Prudent Financial has developed the “Prudent Review Process”. By utilizing our rigorous process to update and evaluate our clients situations through the year, we are more responsive to changes that affect you both now and in the future. With over 45 years of personal advisory experience, each has a unique area of expertise. Mark specializes in working with college executives, retirement plans on the for-profit side, and retirement distribution strategies for transitioning retirees. Brian specializes in working with successful small businesses and non-profit retirement plans, as well as retirement distribution planning. Prudent Financial LLC has two offices. One in Cedar Knolls, NJ and the main office in Tuxedo Park, NY
The financial arena presents many different challenges for people. Some find it easy to navigate, but most do not. Our objective for our clients is to help them navigate the ongoing changes that impact them everyday. If your not sure if your doing the right things with your retirement, give us a call and let’s find out.
WHO WE WORK WITH
When people ask us who and what we are, we often reflect back on why we decided on this career. Simply, it was the desire to help others navigate the perplexing areas of finance in their lives. Through the years, we realized we had some groups of people we were natural fits with. The unique aspects attached to their situations allowed us to become well versed in the challenges they faced.
We thought it would be helpful to give you an idea of the people who we enjoy applying our areas of expertise with.
Small Business Owners
Small business owners who want to put a retirement plan in place that doesn’t demand that they become integral parts of its day to day and annual operations, as well as mitigation of the fiduciary responsibilities that come with being a trustee for their plan.
Free Guides for Small Business Owners: 10 Questions to Determine if a MEP is the Right Type of Retirement Program for Your Organization and Should You Manage Your Own Qualified Retirement Plan or Get Help?
College executives who are looking to maximize their employer options, as well as the external alternatives to create a comprehensive approach encompassing portfolio, protection and legacy planning into seamless transitions.
High Net Worth Individuals & Families
High net worth individuals and families who have a desire to preserve their family legacy while getting as much relief from taxes as possible, yet also being good citizens of their communities by employing their philanthropic objectives at the same time.
Download a Free Guide: 10 Questions to Ask if You're Considering Adding Advanced Planning Professionals
Successful Individuals Transitioning Into Retirement
Successful individuals transitioning from their working careers into retirement, who need assistance analyzing company retirement options with social security, portfolio management, and legacy planning strategies.
Download a Free Guide: What’s Keeping Retirement Savers Up At Night?
MEET THE PRUDENT FINANCIAL TEAM
Mark came into the financial business as an intern with Shearson Lehman-American Express while attending Upsala College. His initial job out of College was on the administrative side of the business, as a marketing services rep and eventually director of marketing and support for a small Broker-Dealer named, Cardell and Associates. His desire to help individuals led him to a position as a personal Financial Advisor with American Express Financial Advisors, where he became both a producing Advisor, as well as a Training and District Manager. His desire for independence moved him to the largest independent Broker-Dealer, LPL Financial, where he concentrates on Small Business Owners and the Executive wing of Higher Education.
Mark is a College for Financial Planning graduate and holds multiple designations, including the Accredited Wealth Management Advisor (AWMA) designation, the Charted Retirement Planning Counselor (CRPC), the Retirement Income Certified Professional (RICP) designation, the Accredited Investment Fiduciary (AIF) designation and the Chartered Retirement Plans Specialist (CRPS) designation. He specializes in working with high net worth individuals and upper level, College Executives.
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With a culture of great service, teamwork, energy and professional ethics, Brian partners with individuals and business owners to understand and identify their specific goals. As a Financial Advisor, Brian Cody creates an individualized investment strategy for each client that helps them live life by their design.
Brian Cody, CFP®, specializes in all phases of financial planning with an emphasis on Retirement Planning for small businesses and individuals. His practice is located out of Cedar Knolls, NJ. Brian graduated from the United States Merchant Marine Academy in Kings Point, NY and has a Master’s Degree from Union College in Schenectady, NY. Mr. Cody is registered for securities and licensed for insurance services. Brian is also licensed by the State of New Jersey to provide Continuing Education to Certified Public Accountants. Brian provides financial presentations to groups around the New Jersey/New York area and is an Adjunct Professor at Fairleigh Dickinson University in Madison, NJ.
After graduating from the US Merchant Marine Academy, he became a US Navy Nuclear Engineer and trained Navy officers to become licensed nuclear engineers.
Client Relationship Manager
Adrienne has served as the Client Relationship Manager for Prudent Financial for nearly 5 years. Prior to joining Prudent, she’s had an extensive background in the Financial Services industry, with over 14 years of experience. She initially began her financial career with American Express Financial Advisors, starting as an Administrative Assistant for two Private Wealth Advisors. After her fourth year, while the company transitioned to Ameriprise Financial Advisors, she became a Financial Planning Assistant to a top Private Wealth Advisor and held that position for the next 6 years.
Her primary focus is being the first contact for our clients, as well as handling the day to day internal operations of the firm. Her exceptional client service skills and affinity for people gives our clients the warm feeling our firm is noted for. Adrienne is the go-to person when it comes to handling any client service needs and she is determined to exceed expectations in every instance. She believes that client value and satisfaction is of the utmost importance and focuses on providing personalized, convenient and efficient client support.
Adrienne is a graduate of George F. Baker HS and studied at SUNY Rockland. She is currently completing her Bachelor’s degree, as well as completing her studies at the College for Financial Planning for the Registered Paraplanner℠ designation.
Her passions include traveling, sports and music and she enjoys spending time with family and her new puppy, Rocky.
As Office Manager at the Cedar Knolls location, Marilyn focuses on providing excellent customer service.
Marilyn previously held several management positions in Computer Systems and Finance at AT&T, Bell Laboratories, and Lucent Technologies. She received a Bachelor of Science from Douglass College, Rutgers University and completed several graduate courses in Finance at Rutgers.
Marilyn loves to spend time with her children, Lauren in New Jersey and Brian in California. Marilyn loves to travel and she has been to all 50 states. By next year, she plans to have traveled to over 40 countries. She is a lifetime member of American Mensa and Marilyn is also active in her community.
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