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.

How One Couple Turned Their Backyard Into a Family Oasis

If you’re planning for a dream renovation, let’s talk about how you can make it happen. This couple designed the perfect backyard to spend more quality time with friends and family. Here's how they designed their dream backyard without blowing their budget.

The 5 Best Things to Buy in July — And 2 to Skip

Several retail holidays in July can help you save money on these purchases. Black Friday in July, anyone? Here are some of the best things to buy in July, thanks to a several major retail holidays — plus, a few items to skip.

5 Ways to Improve Your Finances in July

July is a great month to set a little cash aside and score some killer deals from your favorite online retailers. From scoring big deals to the best places to book a last-minute vacation for the family, here are five ways to improve your finances in July.

Should You Convert IRA Funds to Roth?

Now may be a good time. Here’s why. Converting some or all of your traditional IRA funds to a Roth can have big tax advantages. Here’s when a Roth conversion makes sense.

4 Things You Should Do When Your Child Turns 18

Legal privileges you have as mom or dad go away when they’re 18. When your child turns 18, they are legally an adult. That means you may want to take care of some paperwork. Here are 4 things you should do when your child turns 18.

How Does Debt Consolidation Work?

There’s a way to streamline debt to make it easier and more affordable. Folding all your loans into a single account with one monthly payment can help you get out of debt faster and cheaper. So, how does debt consolidation work in practice?

Financial Moves to Make Before You Start a Business

Would love to help you as you start your business journey. Starting a business puts you in charge of your destiny. But before you go out on your own, here are some financial steps to take before starting a business.

Why I Take One-On-One Vacations With Each of My Kids

Here’s why one mom prioritizes traveling with each of her kids. Taking one-on-one vacations allows this mom to reconnect with each of her kids in a unique way. Here’s how and why she prioritizes the expense in her budget.

7 Ways to Make the Most of a Family Cruise

Here’s a great vacation idea the whole family can enjoy. Booking a cruise for your next family vacation can provide a lot of options as far as pricing, packaging, activities and amenities. Here are expert tips for making the most of a family cruise.

Are You Ready to Downsize Your Home? Ask Yourself These 5 Questions

Answering these questions can help you envision the lifestyle you hope to grow into. Moving to a smaller house, condo or apartment can be a huge lifestyle and financial change as you approach retirement. Ask yourself these 5 questions before you downsize your home.

The 4 Steps This Small Business Owner Took to Turn His Company Around

He went from nearly closing his doors to building a growing business. Ricardo Perez’s business was months from failing when a new mentor helped him turn it all around. Here’s how he saved his business.

The Homeowner’s Guide to Budgeting for Home Maintenance and Repairs

This is a good rule of thumb for how much to set aside every year for home upkeep. While people save up extensively to buy a home, not everyone plans properly for home maintenance costs. Here’s the homeowner’s guide to budgeting for home maintenance and repairs throughout the years.

5 Affordable and Memorable International Travel Destinations for Families

These are great spots the whole family will enjoy. Dreaming of traveling abroad with the kids? Here are 5 top international travel destinations for families where fun — and the U.S. dollar — will go far.

5 Things Worth Buying in June — And 3 to Skip

If you’re in the market for summer essentials, these are the deals worth considering. Whether you’re hopping in the car for a weekend trip to the beach or picking up a gift for dear old dad, here are the best things worth buying in June — and what you should skip.

How Much Income Can Your Retirement Savings Generate?

This rule of thumb is a good starting point. A popular rule of thumb is to use the 4 percent rule for retirement to determine how much you can withdraw from your savings each year. See why it’s just a guideline.

My Family Spends Hundreds a Month to Outsource Household Care — And It’s Worth Every Penny

Time became a lot more valuable to this family after the birth of their son. They worked buying quality family time into the budget.

How Do I Build My Credit?

Let’s make great credit part of your financial plan. Great credit can have a big impact on your finances. So you might be wondering, “How do I build my credit?” Here are 5 moves you can start making today.

How to Negotiate Your Credit Card Interest Rate

A few strategic moves now can help you pay less in credit card interest rates in the long run. Only 25 percent of cardholders try to negotiate their credit card interest rate, but 70 percent are successful. Here’s how to negotiate your credit card interest rate.

5 Ski Areas Your Family Will Love During the Summer

There’s just as much — if not more — to do at these places during the summer. If a summer visit to a ski resort sounds more your speed, the options are plentiful. Check out these 5 ski areas your family should visit during the summer.

Is Disability Insurance Worth It?

It’s likely worth millions of dollars to you. You have auto insurance, homeowner’s insurance, health insurance – even, perhaps, pet insurance. So, on top of it all, is disability insurance worth it? Short answer: yes. Here’s why.

Myths About Saving for Retirement — Busted

It’s a good time to make sure your retirement savings plan is on track. Your dream retirement likely doesn’t include worrying about money. Here are 6 myths about saving for retirement — and how to avoid them so you stay on track.

7 Key Steps to Take Your Small Business to the Next Level

If you’re ready to take your small business to the next level, let’s talk. Launching a small business is a huge accomplishment — but now you may be focused on how to take your small business to the next level. These 7 steps can help your company grow.

Will Short-Term Disability Insurance Cover My Maternity Leave?

Disability insurance can make it easier to balance parenthood and the checkbook. Will short-term disability insurance cover maternity leave? Yes, but the devil is in the details. Here’s what to consider when examining your disability insurance coverage.

Here’s Why You Should Save for Retirement Before College

This is a very common financial planning dilemma. With the cost of college today, many parents face the question: Should you save for college or retirement? Here’s what you should know.

What to Buy and Skip in May

The right timing can help you save a bundle on these large purchases. What to look for on sale in the month of May.

5 Ways to Improve Your Finances in May

These tips can help you make progress on your finances this month. From planning a splurge to evaluating your disability insurance coverage, here are 5 ways to improve your finances in May.

How to Hire the Right Home Contractor

Read this before you plan to remodel your home. Remodeling can be a great way to turn your current house into your dream home. These tips can help you hire the right home contractor and avoid problems down the road.

These Financial Questions Can Help Your Child Make the Right College Choice

Money isn’t the only factor in your decision — but it’s a big one. When it comes to choosing a college, emotions can often take precedence over financial considerations. Ask your child these 3 financial questions before deciding on a college so they find the best financial fit.

How Much Does a Financial Advisor Cost?

There are a number of different ways to pay for an advisor, including no out-of-pocket cost for you. If you’re thinking about improving your finances, you may be wondering how much a financial advisor costs. We break down how advisors get paid.

Your Complete Guide to Financial Jargon

You’ve heard these terms before, but do you know what they mean? #FinancialLiteracyMonth Financial jargon can make a dollars-and-cents discussion far more complicated than it really is. Here are some financial terms that mask their true simplicity.

How Victoria Arlen Overcame the Odds and Made Her Career Goals Come True

She didn’t let obstacles prevent her from achieving her dreams. #SpendLifeLiving Paralympian and ESPN reporter Victoria Arlen shares the incredible story of how she overcome the odds and stayed focused on her goals.

Why You Should Let Your Kids Plan the Family Vacation — Yes, Really

Where will you and your family take your next great adventure? #SpendLifeLiving 5 ways to make planning fun.

What Is the Cash Value of Permanent Life Insurance?

It’s one benefit that you can utilize while you’re alive. What is the cash value of permanent life insurance? It’s a key living benefit of a permanent life insurance policy, but it’s commonly misunderstood. Here’s how the cash value of your life insurance policy can be a key part of any financial plan.

What I Wish I’d Known Before Buying a Fixer-Upper

If you're thinking of buying a home, let’s talk about how it can fit into your financial plan. Buying a fixer-upper can be a savvy financial decision, but it also requires a lot of work. Here’s what one woman wishes she’d known before buying a fixer-upper.

Why Now Is a Good Time to Revisit Your Risk Tolerance

If the recent downturn had you rethinking your investment strategy, now is a good time to make changes. Market downturns, like the one in 2018, are good barometers to assess your risk tolerance and to think strategically about your financial goals. Here’s why now is the time to revisit your risk tolerance.

The Best Cities to Visit Before Your Kids Turn 5

Let’s talk about how you can #SpendLifeLiving by traveling with the whole family. Traveling with young kids can seem impossible, but it doesn’t have to be. Here are 5 cities to visit before the kids turn 5 with attractions the whole family can enjoy, from toddlers to grandparents.

5 Ways to Improve Your Finances in April

Timely tips to help you check in on your finances this month. From learning about your finances to boosting your retirement savings, here are 5 ways to improve your finances in April.

Why Investors Care About the Fed's Balance Sheet

This is a good explanation of something you’ll likely hear more about in the coming months. The Federal Reserve has signaled a pause to interest rate hikes the central bank’s balance sheet reduction plan. But what is the Fed’s balance sheet, and why does it matter?

75 percent of Americans are winging it when it comes to their financial future

If you don’t have an advisor you should absolutely read this.. The majority of Americans are declining any financial help or advice, even though managing your own finances comes with a high cost.

How to Plan Your Staycation So It Feels Like a Real Vacation

Consider this a wallet-friendly way to feel rested and restored. Taking a staycation shouldn't just be an excuse to get busy work done. Here’s how to plan your staycation so that you’re actually getting to unwind and relax — without blowing your budget.

How to Create and Fund a Buy-Sell Agreement for Your Business

Let’s have a conversation about this key planning priority. A funded buy-sell agreement can protect you and your family if something happens to you or your business partner. Here are four things you should know about funding a buy-sell agreement.

Preparing for the next recession: 9 things you need to know | Capital Ideas

An important read for any investor big or small! Worried the next recession is coming? Our U.S. economists share when they think it might happen and answer eight other key questions to help you prepare.

5 Steps That Helped This Entrepreneur Semi-Retire by 40

This entrepreneur made a plan to retire early and #SpendLifeLiving on his own terms. Let’s get in touch if this is your goal, too. How saving early and planning ahead helped him get there.

What’s the Difference Between Good Debt and Bad Debt?

If you’re facing more bad debt than good, let’s discuss a plan to improve your financial health. Not all types of debt are equal. Here’s the difference between good and bad debt, and how each can impact your financial health.

How Whole Life Insurance Becomes a Critical Part of Your Financial Plan

If you think it’s just about a death benefit, you’ll want to read this. As you learn about life insurance, you’re likely to hear about whole life insurance. But what is it, and what are the benefits of whole life insurance?

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400 Broadhollow Road
Melville, NY
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