Cremerius Wealth Management will soon become Prudent Financial.  If you are a current client of Cremerius Wealth Management, don't worry nothing will change for you, except we are adding services as we re-brand.  This is an exciting time as we continue to grow.  Our new WEBSITE for is currently under construction and should be ready soon.  Stay-tuned for more updates!

PRUDENT REVIEW is a division of PRUDENT FINANCIAL  Prudent is comprised of independent financial professionals offering objective advice.  At Prudent, we specialize in working with:


  • ILIT (Irrevocable Life Insurance Trust) Trustees -  We know you take your responsibilities as an ILIT trustee seriously.  And you, as a fiduciary, are focused on producing reasonable returns for the trust's beneficiaries.  But life insurance can be confusing and ever-changing.  This is why estate planning attorneys recommend an annual review to make sure the policy is doing what was intended, and to help protect you, the trustee, from any financial liability.  Our independent fee-based trust reviews assist in meeting your fiduciary duties.

  • Individuals owning Life Insurance or Annuities -

  • Life Insurance can be complex, confusing and ever-changing.  This is why financial professionals recommend an annual review to make sure the policy is doing what was intended when the policy was originally purchased.  A policy review allows you the opportunity to determine if your needs for life insurance have changed, and if your policy has performed as originally projected.

  • Annuities are complicated products, often with many moving parts and various types of built-in expenses, all of which affect your potential return.  That is why working with an annuity professional is critical.  You should review your annuities annually to determine if you are on track for meeting your goals and objectives for which you invested in annuities in the first place.

Please see our contact information on the Contact page.

This site has been published in the United States for residents of the United States. The entire site has been prepared solely for informational purposes, and it is not an offer to buy or sell or a solicitation of an offer to buy or sell any security or instrument or to participate in any particular trading strategy. Employees or representatives of Cremerius Wealth Management acting as registered representatives of First Heartland Capital, Inc. and/or First Heartland Consultants, Inc. may transact business in a particular state only if first registered, excluded or exempted from registration requirements.


Securities offered through First Heartland Capital, Inc. Member FINRA and SIPC

Advisory Services offered through First Heartland Consultants, Inc.

Cremerius Wealth Management, Prudent Financial and Prudent Review are not affiliated with First Heartland Capital, Inc.

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Cremerius Wealth Managemant


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