Prudence A. Harker, CFP®, ChFC®, CLU®, RHU ®

Prudence A. Harker, CFP®, ChFC®, CLU®, RHU ®

President & CERTIFIED FINANCIAL PLANNING professional™


Prudy is President of LifeCircle®, a financial, retirement and benefits planning firm that also provides insurance, investment and wealth management services to small business owners, professionals, and executives locally and in the Midwest.  She is an author and public speaker on financial planning, insurance and professional insurance practice. She has completed the NAHU, Market Place PPACA and RHU Certification Course.

Prudy holds the designations of CFP, CLU, ChFC, & RHU:   Registered Health Underwriter, Certified Financial Planning professional, Chartered Life Underwriter, and Chartered Financial Consultant. She is a Retirement Planning Specialist at Equitable and has earned a Certificate in Retirement from the Wharton School of Business at the University of Pennsylvania.

Prudy is a member of the National and Wisconsin Health Underwriter associations (NAHU & WAHU), the Society of Financial Services Professionals (SFSP) of which she was a national director, the Association for Advanced Underwriting (AALU), the National and Wisconsin Association of Insurance and Financial Advisors (NAIFIA & WAIFIA) and a Life and Qualifying Member of the Million Dollar Round Table.

Professional Background

Prior to entering the planning and financial services business Prudy’s professional background was in social work and administration.  She was a Rock County Juvenile Probation Officer and a School Social Worker in the Loves Park, Illinois School District.  She is a licensed independent Social Worker in the State of Wisconsin.  She holds a Master’s Degree in Social Work (MSSW) from the University of Wisconsin and a B.A. from Beloit College.


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 Beloit Health System Foundation, Inc., the KANDU Industries Endowment Fund, and the United Way Blackhawk Region. She is also a founder of the Stateline Community Foundation.  She served on the Endowment Finance Committee and currently sits on the Grants Committee. She and her husband, Charles, are proud previous receipients of the Ken Hendricks Community Spirit Award. 

On a Personal Note

Prudy enjoys cooking and gardening.  She is a member of the Garden Club of America as well as the Lake Geneva Garden Club.



CFP® and CERTIFIED FINANCIAL PLANNER™ 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.

California Insurance License #: 0B78518

Securities and investment advisory services offered through AXA Advisors, LLC (212-314-4600), member FINRA/SIPC. Annuity and insurance products offered through Equitable Network, LLC and its insurance agency subsidiaries. Equitable Network, LLC does business in California as Equitable Network Insurance Agency of California, LLC and, in Utah, Equitable Network Insurance Agency of Utah, LLC. Equitable Advisors and its affiliates do not provide tax or legal advice. Individuals may transact business and/or respond to inquiries only in state(s) in which they are properly registered and/or licensed. The information in this web site is not investment or securities advice and does not constitute an offer.

LifeCircle is not owned or operated by AXA Advisors, LLC or its affiliates.

Phone 608.365.2115
Fax 608.313.8484