About David Haas, CFP®
Current Role
Founder and president, Cereus Financial Advisors
Expertise
- Student Loans
- College Financial Planning
- Retirement Planning
- Divorce
- Health Insurance
- Life Insurance
- Investment Management
Certifications & Degrees
- Certified Financial Planner™
- Bachelor's degree in electrical engineering with a minor in economics from Rensselaer Polytechnic Institute, MBA in finance from Pace University, certificate in financial planning from Fairleigh Dickinson University
Personal Finance Experience
David has been a financial planner since 2013, helping clients with comprehensive financial planning geared toward funding education and retirement goals.
A certified financial planner (CFP®), David uses a cash-flow approach to planning where he examines a client’s current cash flow and projects that into the future. David has also helped clients with specific situation, such as divorce or non-traditional families. He has taught financial planning at a local university and is currently the education director of the Financial Planning Association of New Jersey.
One of David’s particular areas of expertise is college planning. He works with families during the college choice phase to make sure financial considerations are part of the college choice process.
David develops a budget to pay for all four years of a traditional undergraduate education and helps families apply for financial aid and merit scholarships. Once college offers come in, he works with families to evaluate the financial package and appeal aid offers.
Latest from David Haas, CFP®
Supplemental Student Loans
There are two main kinds of supplemental student loans you can use. We explain the differences and similarities, below.
How Much Can You Take Out in Private Student Loans?
Learn about private student loan limits and why you shouldn't always borrow as much as...
How to Choose Student Loans
When choosing a student loan, you should maximize all federal options before seeking private loans. Here’s how to get started.
How Many Student Loans Can I Take Out?
Before taking out student loans, understand both the annual and total limits of both federal and private student loans.
What Does IRA-Eligible Gold Mean?
IRA-eligible gold is gold that meets IRS standards for inclusion in a self-directed IRA. We'll explain what that means.
Does Refinancing Student Loans Hurt Your Credit?
Refinancing your student loans can lower your credit score, but the potential savings and temporary...
Life Insurance for Married Couples
Life insurance for married couples provides financial protection to your spouse and loved ones if you pass away. Find out if it's right...
Best Small Student Loans
Small student loans can be used for various reasons like buying books, getting a new laptop, covering living expenses, and more.
How to Get Rid of Sallie Mae Loans
If you want to get rid of Sallie Mae loans, you can do so. Just make sure it's for the right reasons.
Home Equity Loan or Line of Credit Uses
Home equity loans and home equity lines of credit (HELOCs) have many potential uses. In some cases, they may even save you money...