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®
Is a Home Equity Loan a Good Idea?
Home equity loans can be a good way to pay for home repairs and sudden expenses, but they’re not always the best move....
Pet Wellness Plans: Coverage for Routine Care
Pet wellness plans offer reimbursement for routine care. These plans are typically offered as an add-on to a standard pet insurance policy.
How Does Pet Insurance Work?
Pet insurance can be a great way to protect yourself financially from unexpected veterinary bills. If you're considering enrolling your pet, you should...
How to Buy a House If You Have Student Loans
Student loan debt can affect your ability to get a mortgage and buy a home by increasing your debt-to-income ratio and reducing the...
What to Do If You Maxed Out Financial Aid
Ran out of financial aid? It's a difficult situation to be in but you have options for paying for school when financial aid...
Should You Refinance Student Loans With a Cosigner?
Refinancing student loans with a cosigner is a big decision for everyone involved. You’ll need...
Should I Consolidate My Student Loans?
Private consolidation can change the interest rate and repayment term on your loan, while a Direct Consolidation Loan allows you to change your...
How to Handle Student Loans While on Medical Leave
If you need to take a medical leave from work, you likely have options like...
Can You Change Student Loan Repayment Plans?
Student loans can last for years, but your monthly payment may not always be the right fit. Here’s how and when you can...