Business Details
25 Years
experience
Your Trusted Financial Partner in Prosper, TX
Since 2001, we have dedicated ourselves to meeting the unique financial and insurance needs of our clients. Our team of experienced advisors prioritizes personalized service, rejecting one-size-fits-all solutions in favor of tailored strategies. We work closely with individuals and businesses to identify challenges, address concerns, and develop customized plans for health, life, retirement, and investment needs.Our commitment to client education ensures informed decision-making, while our partnerships with top-rated carriers provide access to diverse products. With offices in Texas and Florida, we combine local expertise with national resources to deliver comprehensive financial solutions.
Services
Financial Planning
Health Insurance
Life Insurance
Retirement Plans
Investment Management
Medicare Solutions
Employer Benefits
Risk Assessment
Portfolio Monitoring
Tax Services
Details
- Year established: 2001
Highlights and features
- We offer 24 years of experience in financial and insurance planning.
- Our team holds Series 65 and advanced insurance licenses.
- We employ fiduciary investment strategies with 3(38) oversight.
- Our client-first approach prioritizes personalized financial education.
- We maintain partnerships with 13+ top-rated insurance carriers.
Services
Financial Planning
Our comprehensive financial planning service creates customized roadmaps for long-term security. We analyze income, assets, liabilities, and goals to develop strategies covering retirement, education funding, and estate planning. With fiduciary oversight and 3(38) investment monitoring, we ensure compliance while optimizing portfolio performance through partnerships with Nitrogen Wealth's risk assessment technology.
Health Insurance
We offer ACA-compliant and alternative health insurance solutions for individuals and families. Our services include marketplace plan comparisons, Medicare Part D enrollment, and short-term coverage options. With relationships to top-rated carriers, we help clients navigate subsidies, deductibles, and network requirements while ensuring compliance with evolving regulations.
Retirement Plans
Our retirement plan services specialize in MEP (Multi-Employer Plan) structures for small to mid-sized businesses. We provide fiduciary guidance, investment monitoring, and ERISA compliance support. Using 3(38) oversight, we help employers reduce liability while optimizing employee benefits through customized plan designs and educational resources.
Life Insurance
We offer term and permanent life insurance solutions from multiple carriers. Our needs analysis process determines appropriate coverage amounts and policy types based on family protection requirements, business succession needs, and estate planning goals. We provide policy illustrations and comparative analyses to ensure long-term affordability and coverage adequacy.
Investment Management
Our investment management utilizes fiduciary-grade tools and 3(38) oversight to construct diversified portfolios. We offer access to mutual funds, ETFs, and alternative investments through multiple custodians. The Nitrogen Wealth risk assessment platform quantifies client risk tolerance to create tailored asset allocations that balance growth potential with capital preservation.
People
Charles Rosen
President and CEO
20+ years in financial services, former NABIP National Legislative Council member, expert in healthcare reform, and Otterbein University graduate. Hosts educational workshops and manages strategic direction.
Vincent Lombardo
Investment Advisor Representative
25+ years experience, Series 65 licensed, specializes in retirement plans for small/mid-sized businesses. Holds economics degree from Broward College and serves Texas clients.
Manuel Menendez
Investment Advisor Representative
27-year industry veteran with securities and insurance licenses. Florida office director, financial planning specialist, and FIU graduate with focus on client-first approach.
Amy Hall
Investment Advisor Representative
18+ years accounting/tax experience, USF graduate with Beta Alpha Psi honors. Manages payroll services for 100+ employees and provides tax compliance support.
Paul Ramirez Sr.
Independent Agent
10-year insurance veteran with MBA, specializes in integrating insurance with retirement planning. Former agency owner and competitive baseball coach with risk management expertise.
Questions
What services does CPR Financial offer?
We provide financial planning, health/life insurance, retirement solutions, investment management, and employer benefit plans.
How do you personalize financial solutions?
Our advisors conduct comprehensive needs assessments and create customized plans aligned with individual goals and risk tolerance.
Which areas do you serve?
We operate in Texas (Prosper, Frisco) and Florida (North Miami), with virtual services available nationwide.
How can I schedule a consultation?
Use our website's 'Make an Appointment' feature or contact us directly at 877-431-6997.
What insurance carriers do you work with?
We partner with 13+ top-rated carriers, offering 97+ products including Medicare, health, and life insurance options.
Do you offer retirement plan solutions for businesses?
Yes, we specialize in Multi-Employer Plans (MEPs) and 401(k) solutions with fiduciary compliance support.
