Member Monday – Bruce Haydu

April 15, 2024by Paul Sand
Bruce Haydu
Founder and Managing Member – The CFS Group, LLC



[email protected]


A Certified Financial Planner for over 35 years, Bruce is a founder and managing member of The CFS Group, LLC , a specialist consulting agency representing our nation’s most successful premium finance programs.

CFS serves two client types:  First, the Top 5% income earner ($250K+) who has not saved enough for retirement and fears a lower standard of living once retired.  This individual must rapidly accelerate savings to fill the retirement income gap.  Second, the Ultra-High net worth family, more than $20 million, who needs $10 – $100 Million in permanent life insurance coverage but is not willing to pay the high out-of-pocket cost.

For the last 20 years, Bruce has become one of the nation’s leading experts in combining intelligent leverage (minimum risk & friendly underwriting), with life insurance procurement.  Bruce offers strategies designed to substantially lower, or eliminate, the out-of-pocket cost for permanent life insurance.

Clients who qualify will optimize their liquidity and cash flow; tax savings; supplemental retirement income; family wealth transfer plan; business buy-sell plan, strategy to attract and retain top talent through supplemental executive benefits; and charitable giving legacy.

CFS offers its clients stress tested, non-recourse, non-participating, life insurance-specific financing, proven to deliver a successful loan exit strategy – without requiring additional client funds.  These programs have been vetted by top financial experts and have been recognized within the industry as “best-in-class”.  To date, our combined programs have received over $7 Billion in loan commitments.

Bruce works with business owners, highly compensated executives, professionals, and philanthropists to strategically exploit the many benefits of life insurance for wealth creation, and wealth preservation, in a tax-efficient manner.

Bruce has been an educational board member of The Wealth Preservation Institute and has lectured at their annual Asset Protection Society Forum in Las Vegas.

He participated in Institutional Investor’s annual Family Office Wealth conference as subject matter expert in ABIL Structures.

Bruce is a past board member of the Central Jersey Society for the Institute for Certified Financial Planners and is a past member of the Financial Planner Division of The Financial Planning Association.

Bruce has been selected to the National Register’s Who’s Who in Executives and Professionals, a Publisher for Executives, Professionals, and leading Businesses registered at the Library of Congress in Washington, D.C.

Bruce is a graduate of Monmouth College (now Monmouth University) in West Long Branch, New Jersey with a B.S. degree in Business and Finance.

He is also a graduate of the College for Financial Planning, Denver, Colorado where he earned his CFP designation.

Bruce is NASD Series 7, Series 24, and Series 63, licensed and is an IAR for his Broker Dealer’s Registered Investment Advisory.

Bruce is an independent insurance broker holding his life and health license in many states.

For more information, please go to WWW.THECFSGROUP.COM

Or call The CFS Group at (732) 842-2700

What is “Member Monday”?

Bergen County Chamber of Commerce, is excited to announce “Member Monday”! Every Monday we plan to highlight a Bergen County Chamber member by sharing an email blast containing either the member’s professional summary or an article written by the member about a topic within their industry. Every “Member Monday” email blast will contain the featured member’s contact information as well as a link to the member’s website. “Member Monday” provides value to our members by allowing them to highlight themselves in front of the rest of the chamber.

To be featured click the link below:

Member Monday Form

Get in touch

Get more information about the Bergen County Chamber of Commerce by simply sending us an email anytime you want. We are open to all suggestions from our audience.

189 N. Franklin Tpk.
Ramsey, NJ 07446

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The Bergen County Chamber of Commerce, is an organization that helps promote business through fostering new business relationships and forming strategic alliances. The main focus of the Bergen County Chamber of Commerce will be to refer quality leads to members on a continuing basis, while promoting Bergen County as a desirable location for small and mid-sized businesses to thrive, and national and international corporate headquarters to be housed. All members have a vested “ownership” and will consistently look for ways to improve as a team.


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