Our People
Bruce N. Haydu has been a Certified Financial Planner since 1985. Starting his career in 1981, Bruce has lectured widely on financial and estate planning topics and is a well-known financial educator in the New York metropolitan area.
Bruce is a founder and managing partner of two companies. Financial Design & Management, Inc., is a company dedicated to financial and estate planning since 1988. The CFS Group is a national life insurance general agency specializing in a differentiated “best-in-class” premium finance program for individuals with net worth in excess of $10 million. CFS uses its special expertise in advanced life insurance strategies to optimize the client’s estate planning and charitable giving capability. Bruce is recognized as a national expert in the field of lifetime premium financed life insurance (PF). Bruce is an educational board member of The Wealth Preservation Institute and has lectured at their annual Asset Protection Society Forum in Las Vegas. He recently participated in Institutional Investor’s annual Family Office Wealth Conference as subject matter expert in PF.
Born and raised at the “Jersey Shore”, Bruce is a graduate of Monmouth University and lives with his wife and children along the Monmouth County coast of New Jersey.
Frederick C. Veit is an Attorney and Certified Financial Planner. Following law school, Rick worked as a tax attorney for the accounting firm Deloitte and Touche, specializing in personal taxation, financial and estate planning for high net worth families and business owners. Rick also taught Business Law at a local college.
Rick is a member of many boards throughout the country, both in the charitable field and for several professional societies. Rick manages a small family foundation and has been involved with fund raising for that organization for 15 years. Rick has also written articles for several publications, newsletters and journals, having examined topics such as estate planning, taxation and charitable giving. Rick is a principal with The CFS Group.
With his background in business and estate planning, Rick focuses on advanced business succession planning and estate preservation techniques. Rick is a lecturer and seminar leader on estate planning and legal matters, having taught in over 50 cities nationwide. Rick’s expertise includes trust and estate planning for donors who wish to provide large gifts to charity, using advanced life insurance and gifting techniques.