Theresa M. Rosen, CFP® (CERTIFIED FINANCIAL PLANNER), CLTC® (Professional Certified in Long-Term Care)

Theresa M. Rosen, CFP® (CERTIFIED FINANCIAL PLANNER), CLTC® (Professional Certified in Long-Term Care)

Retirement Income Planning Specialist

In 1986 shortly after graduating from Northeastern University in Boston, MA, Theresa attended a job fair for recent college grads at the Copley Plaza Hotel. Being open to a variety of career possibilities, she was particularly intrigued by the presentation of a company that helped employees of various public school systems nationwide. This company helped them learn how to save for retirement by utilizing 403(b) plans. Theresa did not know what a 403(b) plan was at that time, and turned to her friend and said: “I don’t know what a 403(b) plan is, but I really like the idea of helping teachers, janitors, principals, and public school employees save money for their futures!”

Theresa made a beeline for that table! The rest is history!

From that point on, Theresa grew her client base by educating, and helping employees in the Boston Public Schools, Waltham Public Schools, Sudbury Public Schools, Framingham Public Schools, and Framingham State University.

In addition, to helping her clients with this retirement vehicle, Theresa also helps her clients all around the country with their comprehensive financial planning needs and goals. Theresa truly loves the relationships she shares with her friends/clients, helping them live the lives they wish to live without worrying about money.

Learn more by watching this video:

​Why Prudence Financial?​

Since 1986, Theresa has been providing prudent wealth management™ services to her clients. She is the founder of Prudence Financial, Inc. By partnering with Commonwealth Financial Network®, an independent broker/dealer, she operates with the objective of being able to provide impartial advice and is not beholden to proprietary products/ sales tactics of the traditional broker/dealers.

Theresa has been an active member of her community both personally and professionally. She graduated with a BS in finance and marketing from Northeastern University. She is an active member of the Financial Planning Association. In addition, she has served as past president of the Sudbury Rotary Club, past president of the Metrowest Business and Professionals Organization, and lead blood drive coordinator for her local Red Cross.

Theresa has run the Boston Marathon in 2005, 2007, 2008, 2011, 2013, 2014, as well as the Miami Marathon in 2008, and the NYC Marathon in 2010 for various charities. She has raised more than $50,000 for these charities.

FUN FACT: On August 25, 2021, Theresa recently completed hiking all of the 48 peaks that are 4,000 feet or higher in elevation in New Hampshire, and is an esteemed member of the NH48 four thousand footer club! This was a journey that spanned just more than three years.

Theresa is a health and fitness enthusiast. She truly respects and values the pursuit of health—physically, mentally, and spiritually. Your health, in addition to financial well-being, is your wealth as well.

Theresa M. Rosen is proud to have been recognized as a Founder's Club advisor for 2023—a distinction based on annual production that places her among the top 34 percent of advisors affiliated with Commonwealth Financial Network.

Each year, Commonwealth, the broker/dealer–RIA that helps us process investment transactions on your behalf, recognizes Vista Club advisors by inviting them to an exclusive gathering of their peers, leading industry experts, and Commonwealth home office staff. Vista Club advisors benefit from an intensive learning and networking experience designed to help them hone their expertise, share best practices, and provide ever-higher levels of service, education, and leadership to their clients.