Prudence A. Harker, CFP®, ChCF, CLU


You work all of your life to secure a future for yourself and your loved ones. Without sound counsel and diligent planning, your secure future could be uprooted by one of life's detours.

Whether you are an individual looking to fund a child's college education, or your own comfortable retirement, or a business owner in need of benefits, a continuity plan, or a retirement plan choosing the right financial professional is crucial to the strategy's outcome. Knowing where to start is half the challenge. When selecting a financial professional you look for many qualities: honesty, confidentiality, wisdom, knowledge, and experience. You want someone who has no other interest but yours to consider. Prudence (Prudy) Harker her partner, Dan Winter, and their team at LifeCircle fit the bill on all of those qualities.

Planning is Key - Too often, people jump to solutions before taking into consideration, your money, your business and your life. A financial strategy is designed to potentially help avoid the dangers of falling into "the jumping to solutions first trap." Prudy and her team are in tune with how a sound financial strategy can benefit and help protect your money, your business and your life, and they are dedicated in helping you make that strategy work.

Well-placed Trust - When you choose to work with Prudy, you do so knowing you are working with a top professional who has 28 years of experience in the wealth mangement and insurance industries. She is a CFP® (CERTIFIED FINANCIAL PLANNER™, professional), Professional designations of the American College: ChFC (Chartered Financial Consultant) and CLU (Certified Life Underwriter). She is an author and international lecturer on the subjects of ethics and professional insurance practices.   To assure that you are getting the most current financial and insurance industry information, she is a member and participant in the major professional organizations and associations that serve the industry.

Giving Back - While the lion's share of her time is dedicated to her business and family, Prudy is a strong supporter of her community. She serves on the Blackhawk State Bank Board of Directors. In addition, she is actively engaged in the Stateline Community Foundation, the Beloit Memorial Hospital Foundation, Inc., the KANDU Industries Endowment Fund, and the Blackhawk Region United Way.  She and her husband, Charles, are the proud recipients of the 2014 Ken Hendricks Community Spirit Award.

Starting the Journey - Please access the resources on this site to enhance your financial knowledge and visit often, as new articles and newsletters are added each month. If you would like a personal consultation with Prudy, her partner, Dan and their team, call LifeCircle at (608) 365-2115 or (815) 389-2323, or e-mail With just the click of a mouse you can be on the road to reaching your financial and life goals.


CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP (with flame logo)® are certification marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP Board’s initial and ongoing certification requirements.