David Haas, CFP® Profile Photo

David Haas, CFP®

David Haas, CFP®, advises families, professionals, executives, and business owners on how to build better financial futures. His expertise includes financial planning, investment management, and insurance. David is a board member of the Financial Planning Association of New Jersey.

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®

Fix-and-Flip Loans With 100% Financing

If you want to purchase an investment property with no money down, a 100% fix-and-flip loan might be a possible solution. Once approved...

Student Loan Refinance Requirements

Refinancing student loans involves taking out new loans from a private lender to pay off existing education debt. Borrowers may benefit from a...

The Saving on a Valuable Education (SAVE) Repayment Plan

In 2023, the Department of Education introduced a new income-driven repayment plan for federal student...

How to Get Uncollectible Status With the IRS

You may owe the IRS money once you file your taxes for the year. It’s a common predicament for taxpayers, and the IRS...

How Is Home Value Determined for a HELOC?

Home equity lines of credit (HELOCs) offer flexibility if you’re planning a home renovation or need to cover another large cost. You can...

Best Private Student Loans

If you’ve exhausted all your scholarship, grant, work-study, and federal student loan options and still need money for school, private student loans can...

Best Student Loan Refinance Companies

The best student loan refinance companies offer low rates and have a proven history of supporting borrowers during repayment. We selected our top...

Can I Take Out a Home Equity Loan or HELOC on a Second Home?

Is a home equity loan on a second home smart? It’s appealing for some and...

Do I Qualify for a Home Equity Loan or HELOC?

From credit to income, we’ve researched the main requirements you’ll need to meet to qualify for a home equity loan or HELOC.

Student Loans for Police Academy

If you’re wondering how you’ll pay for police academy tuition, you may have several options. You could qualify for federal or private student...