Together Carien and Betsy have 40 years experience in the financial services industry and can bring a wealth of knowledge and expertise to you or your company.

Catharina (Carien) Jutting, CFP, P.R.P., CEBS

Carien Jutting is a Certified Financial Planner who specializes in Retirement Income, Personal Tax Planning and Employee Benefits. Her approach to financial planning is holistic; incorporating lifestyle planning and consumer education. She is a Financial Planner (CFP), a Professional Retirement Planner (P.R.P.), a Certified Employee Benefits Specialist (CEBS), and a Fellow of the International Society of Employee Benefit Specialists. All of these credentials require continuous professional development.

Carien is the President of Fiscal Wellness Inc. and is licensed to sell life insurance products and mutual funds.

Elizabeth (Betsy) Prospero, CFP, P.R.P.

Betsy Prospero is a Certified Financial Planner who specializes in retirement income and personal tax planning. She also sells group insurance benefits for small companies and life insurance. She is a Certified Financial Planner (CFP), a Professional Retirement Planner (P.R.P.) and has had her life insurance license since 1999 and her mutual fund license since 2002.

Betsy is a certified instructor with The Lumen Institute, which teaches individuals effective presentation skills. She and Carien provide group workshops on retirement issues for employees and individuals.