Team photo
Centuria Financial Group


David P. McCabe,


Financial Planner


Nathaniel D. High, RICP®

Financial Planner


Nicholas J. Over, CFP®

Financial Planner


Sara E. Martin

Client Relations Manager


Jennifer A. McCabe

Client Relations Specialist


Centuria Financial Group

2333 Baltimore Blvd Suite B

Finksburg, MD 21048


Phone:  443-952-7232

March/April 2023

Investing During Complex Times

While creating a successful investment strategy may be challenging when markets decline sharply, it becomes even more difficult when the economy sputters along with it. This was the environment high-net-worth (HNW) investors faced last year as markets declined while inflation soared.

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Maxed Out Your Retirement Plan Contributions?

Super retirement savers often contribute the maximum allowed to tax-qualified retirement accounts like 401(k) plans and IRAs. If you’re a super saver, what do you do if you want to contribute more to a tax- deferred account?

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Estate Planning: Beyond the Documents

Your will is a basic estate planning document that specifies how you want your assets distributed when you die and names a guardian for any minor children. Additional essential documents most people should have include: a financial power of attorney, which gives someone the ability to make financial decisions for you, and a health care proxy, which designates another person to make health care decisions on your behalf, when you are not able to do so yourself.

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Financial Tips for 2023

You’ve probably heard the saying, “If you fail to plan, you plan to fail.” That adage is particularly true when it comes to your finances. Your goal should be to create a plan that can help you weather financial ups and downs, no matter what the economy is doing.

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Managing Finances After a Divorce

Divorce often entails going from two incomes to a single income. That can be hard on both spouses, but it can be especially difficult for women who are over the age of 50 when the divorce occurs.

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Investing for Income

Income investing involves building a portfolio that produces enough profit to pay out a regular income. The success of this strategy depends on selecting investments that are likely to provide a steady stream of cash. Now that interest rates have increased, the yields on fixed income investments are climbing, too.

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Coping with a Volatile Market

The fluctuating stock market and uncertain economy are sources of concern for many investors, but particularly for those in or near retirement. Falling portfolio values have left many retirees wondering what they can do to safeguard their savings. Set panic aside and take these steps to survive the downturn.

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Post-divorce Checklist

Keeping up with the many tasks you'll need to complete after a divorce can be daunting. A checklist may help.

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Investing Considerations for Small Business Owners

As a small business owner, you’re faced with the task of overseeing both your business and your personal goals. While it’s tempting to put more effort into one than the other, you should be equally focused on both

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Business Owners Strive to Counter Inflation

In Fall 2022, the U.S. Chamber of Commerce Small Business Index listed the impact of inflation as a major concern of 90% of small business owners. Business owners who consider inflation a significant challenge to growth and profits may want to take steps to counter its effects.

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Life Insurance and the Single Life

If you’re a single parent or just plain single, you might not have given a lot of thought to life insurance.* But there are some very good reasons why you should. Life insurance benefits can provide for loved ones, pay off debt, or finance a child’s education if something were to happen to you.

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Are You Saving Enough?

When you think about retirement, what is foremost in your mind? Freedom from work? The chance to spend your time the way you want? The amount of money you will need to save to live comfortably?

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Is a New Employer in Your Future

Starting a job at a new company can be an exciting opportunity. Before you clean out your desk and say good-bye to your coworkers, review the items on the checklist.

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Preserve Generational Wealth

Creators of generational wealth have many talents. People with a high net worth (HNW) have learned how to build businesses and create succession plans. They understand the importance of tax strategies to preserve wealth and estate planning to pass on that wealth.

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Tax Breaks for the Recently Divorced

Divorce can negatively affect the finances of both spouses, so it’s helpful to work with your tax and financial professionals so you are aware of tax breaks that may lessen the financial burden.

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Financial Savvy Young Professionals

You worked hard to begin your professional career. While higher education prepared you for this path, you may struggle managing a significant income for the first time. Managing your money consciously can help you avoid costly mistakes as you begin building a financially secure future. Consider the following to help you manage your money:

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Targeting Seniors

Criminals find new ways to defraud their victims all the time. While anyone can become a victim of fraud, seniors age 60 or older seem to be the population most often targeted by scammers. Consider warning parents and older relatives about these five common scams.

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Centuria Financial Group is not affiliated with Prudential Financial. Centuria Financial Group sells insurance products of Prudential Financial's affiliated insurance companies in addition to products of non-affiliated insurance companies. Centuria Financial Group is authorized to sell and service certain insurance products of Prudential Financial companies as well as use this material. Centuria Financial Group and its representatives do not give tax or legal advice. Please consult with your own advisors regarding your particular situation. Offering financial planning and investment advisory services and programs through Pruco Securities, LLC (Pruco), under the marketing name Prudential Financial Planning Services (PFPS), pursuant to a separate client agreement. Offering insurance and securities products and services as a registered representative of Pruco, and an agent of issuing insurance companies. 1-800-778-2255. Sara E. Martin and Jennifer McCabe are employed by David McCabe and not The Prudential Insurance Company of America or its subsidiaries.
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