Zacharey Cerruti - Northwestern Mutual

Zacharey Cerruti - Northwestern Mutual

My ambition is to help the clients I serve make wise financial decisions to achieve their goals and to feel financially secure. I help my clients develop a solid foundation for financial security by providing them with sound financial advice.

Why Winter Is Actually a Good Time to Buy a House

If you’re thinking of buying a home, let’s talk about how to make this dream happen.

Buying a house in winter can work in your favor. Here are 7 reasons why.

How Safe Are Digital Wallets?

They might be safer than you think. The technology isn’t as popular in the U.S., because, among other concerns, consumers have one big question: How safe are digital wallets?

Winter Getaways the Whole Family Can Enjoy

Let’s talk about budgeting for your next family vacation. Whether you want a real winter wonderland or plan to flock to warmer weather, these are 4 winter getaways the whole family can enjoy.

Is There a Best Time of Year to Retire?

Here are some things to consider if you want to sail into retirement with the wind at your back. As you close in on retirement, you may be wondering if there is a best time of year to retire. Here are a few things to think about as you pinpoint your final day at work.

6 Things to Buy in January — And 4 You Should Skip

Check out these deals if getting fit and becoming a savvier shopper made it on to your resolutions lists. The holiday season isn’t the only time for deals — you’ll also find plenty of discounts this month. Here are 6 things to buy in January and 4 to skip.

How You Can Achieve These 4 Money Resolutions in 2020

If you need a game plan for reaching your financial goals, I can help. Many people start the new year with these 4 financial resolutions, but it can be hard to stay on track. Here’s why these money resolutions typically are hard to keep —but how you can succeed.

5 Financial Resolutions That Will Help You Take Control of Your Money in 2020

These first steps can help you make progress on some big financial goals. Being better with your money may be easier than you think. Our financial New Year’s resolution checklist can help you with these popular financial goals.

How to Perform a Year-End Financial Wellness Checkup

These 5 steps can help you make sure your money is ready for whatever life throws your way. A year-end financial wellness checkup can be a great way to ensure your finances are in good shape for 2020. Here are five things you should check in on.

What Are the Best Ways to Save for College?

Regardless of your financial situation, there’s a college savings plan that can work for you. It’s never too early to start saving for your child’s tuition. Here are the best ways to save for college.

5 Ways to Give Kids Meaningful Gifts Without Busting Your Holiday Budget

These tips can help you go from overspending to meaningful giving. Giving your kids meaningful gifts — rather than just many gifts — is a holiday tradition worth exploring. Here are some tips to avoid holiday overspending that won’t shortchange the holiday cheer.

Smart Tax Moves to Consider Before the End of the Year

Please reach out if you’d like to discuss ways to be more tax-efficient with your financial plan. Tax planning shouldn’t wait until April 15. There are smart tax moves you can make before the end of the year that could help lower your tax bill — this tax checklist can help.

How to Be More Charitable Year-Round

If giving is important to you, we can talk about how to make it a part of your financial plan. There’s no need to wait until the end of the year to make donations to your favorite causes. Be more charitable year-round so that giving becomes a habit — these tips can help.

Why This Couple ‘Skipped’ the Holidays to Go on a Dream Vacation

If you want to make a tradition of traveling over the holidays, let’s talk about how you can plan for that. For this woman, trading in pumpkin pie for a tropical drink was the best way to spend Thanksgiving. Here are the 5 reasons she chose to take vacation travel over the holidays.

What You Should Know Before Refinancing Your Mortgage

Let’s discuss how refinancing your home could impact your financial plan. Refinancing your mortgage can be a smart financial move, but it doesn’t make sense for everyone. Here’s what to consider before you make the decision.

What You Can Do Now to Jump-start Your Financial Resolutions

If you’ve got big financial resolutions for 2020, let’s talk about how I can help you with them. You don’t have to wait until January to start working on your financial resolutions. Here are practical steps you can take now to help you reach your financial goals next year.

What Is Gender Lens Investing?

You can invest for growth in a way that also aligns with your principles. We can talk more if you’re interested. Gender lens investing has pulled in more than $1 billion in funds from investors, but what is gender lens investing, and how does it work?

What You Can Do Now to Avoid Holiday Overspending

Overspending during the holidays doesn’t have to be the norm. These tips can help. Unfortunately, many people go into debt over the holidays. But there are ways to keep your budget under control and avoid holiday overspending — these 4 tips can help.

How My Finances Changed After Marriage

Marriage is a major life milestone for you, your partner and your finances. From feeling more secure to making budgeting simpler, here’s how my finances changed after marriage – for the better.

How to Find and Claim Your Missing Money

Are you owed money? Here’s how to find it. Roughly $58 billion in unclaimed assets are floating around in the U.S. Here’s how to find and claim your missing money or assets.

Test Your Credit Score Knowledge With This Quiz

Think you’re a credit expert? Take this quiz to test your credit score knowledge. Think you’re a credit expert? Take this quiz to test your credit score knowledge.

6 Things to Buy in November — And 4 You Should Skip

Being a savvy shopper will help you stick to your holiday plan. With Black Friday falling later in the month this year, retailers are getting a jump on the holiday season with big sales — but not every deal is worth your money. Here are 6 things to buy in November as you prepare your holiday shopping list.

Should You Get Life Insurance Through Your Employer?

If you’re on the fence about your employer’s offerings, let’s meet and work out a protection plan that suits your needs. Getting life insurance through your employer is convenient, but it may not always be the best option. So, should you get life insurance through your employer? Here are a few things to consider.

5 Ways to Improve Your Finances in November

The holidays are hectic, but if you have some spare time in the coming weeks these financial moves can set you up for success. In between shopping and holiday gatherings, see if you can carve out some time to improve your finances in November.

Zacharey Cerruti - Northwestern Mutual

How to Maximize Your Savings With DRIP

Here’s why a dividend reinvestment program (DRIP) can be a powerful tool for long-term investors. It’s one strategy that helps you reap the potential benefits of compound interest and dollar-cost averaging. Here’s how to maximize your savings with DRIP.

These are the 9 Financial Things You Should Do Every Year

These are quick and easy, and they can make a big difference for your money. Just like a yearly physical, or maintenance on your car, you need to check in on your finances regularly. This yearly financial checklist can help keep your finances on track.

4 Fall Vacation Ideas for Families That You Might Not Have Considered, But Should

These are some great suggestions for a fall getaway. Fall is a great time for a family getaway that won’t break the bank. If you’re looking to enjoy a little time off before the holidays, here are 4 great fall vacation ideas for families.

How to Decide If You Want to Accept a Job Offer

Accepting a job that’s not the right fit could cost you in the long run. Ask these questions before you say “yes.” Getting a job offer is exciting, but it’s important to hit pause to make sure the new role is a good fit. Here's how to decide if you want to accept a job offer.

What Every Homebuyer Should Ask a Home Inspector

It’s important to be thorough about this key part of the homebuying process. A home-inspection contingency should be included in your contract if you’re buying a home. But you also need to know how to interpret your report. Here are 10 questions to ask your home inspector.

Why I’m Starting a Baby Savings Fund

If a baby is in your future, let’s talk about your financial plan. The cost of having a baby can be staggering. A baby savings fund can help easy some of the financial pain during the first year, letting you focus on baby smiles. Here’s how one couple is starting to save.

5 Inexpensive Ways to Learn In-Demand Tech Skills

Certain skills are in such high demand that major companies are offering comprehensive courses for little to no cost. No matter the industry, technology is changing the way we do business, but you don’t need to enroll in college courses to keep up. Here are five ways to learn in-demand tech skills for free.

The No-Stress Guide to Getting Out of Debt

A third of Americans‘ incomes goes toward debt. These simple steps can help you get rid of yours. Simple changes you can make now will get this moving.

Is Whole Life Insurance a Good Investment?

While it’s not an investment in the traditional sense, it can add a lot of value to your financial plan. Is whole life insurance a good investment? Technically, it isn’t an investment, but it can add value to your financial plan - find out how.

Your Guide to Understanding and Filling Out the FAFSA

It’s important to discuss the cost of college with your family — and look for resources that can help you cover them. An important read for parents and college-bound students alike.

What to Buy in October — And What to Skip

Look for deals on both small and big-ticket items this month. Look for deals on both small and big-ticket items this month. Here's what to buy and what to skip in October.

5 Ways to Improve Your Finances in October

There are a couple important financial deadlines in October. In addition to important deadlines, October is also a great time to perform some end-of-year financial maintenance. Here are five ways to improve your finances in October.

How an Inheritance Is Taxed

Let’s talk about ways to make your financial plan tax efficient. If you’re preparing to leave a legacy, or if you think you stand to inherit money, it can be natural to wonder how an inheritance is taxed. Here are some of the rules.

Tips to Find a Nanny Share That Works for You

If you’re wondering how to fit child care into your financial plan, let’s talk. Nanny shares can help decrease child care costs, but there are several factors to consider. Here are tips to find a nanny share that works for you, and what you need to know to set up your family for success.

5 Financial Questions to Cover with Your Aging Parents

You’ll need the answers to these questions someday. The sooner you ask, the better. As your parents reach retirement age, the time might be right to talk about their financial situation. Here’s how to talk to aging parents about finances.

How Permanent Life Insurance Works When You Retire

From weathering market downturns to helping you be more tax efficient, it can do a lot. #LifeInsuranceAwarenessMonth While it may seem like your need for life insurance diminishes in retirement, the opposite is actually true. Here’s how to use permanent life insurance in retirement.

Here’s What to Do When Your Salary Hits 6 Figures

If you’re looking to put your bigger paycheck to good use, let’s talk. Making six figures means having more money to put toward financial goals. Here’s some finance tips for young adults to learn how to manage that extra cash wisely.

Here’s What to Know About Getting Your Home Appraised

Essential info if you're thinking of buying a home. When you buy a new home, you’ll need to get it appraised. Here are five common myths about home appraisals that could throw you off-track.

4 Essential Lifestyle Factors That Can Help You Prepare for Retirement

Let’s talk through how you can make the retirement of your dreams a reality. Your financial plan is important when planning for retirement. But to fully enjoy your next chapter, consider these 4 essential lifestyle factors that can help you prepare for retirement.

Irrevocable Life Insurance Trusts: What You Need to Know

Here’s how life insurance can play a valuable role in your estate planning. #LifeInsuranceAwarenessMonth An irrevocable life insurance trust can help you minimize taxes and maximize control over what happens to the money you leave behind for your loved ones. Here’s how an ILIT can help you reach your financial goals.

6 Things New Moms Should Splurge On

Moms say these were worth every penny. Having a baby can leave new moms without much time to themselves. Here are six things that could be worth splurging on, from grocery delivery to self-care for new moms, to help new parents stay sane.

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400 Broadhollow Road
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