: An Interview with Financial Advisor, Carol Haberjak
Financial planning isn’t just about numbers—it’s about securing independence, confidence, and a future on your terms. For Carol Haberjak, a financial advisor with Northwestern Mutual, financial planning is deeply personal. She’s passionate about helping people take control of their finances, ensuring they have the knowledge and support to build the lives they envision. In an interview with SITI Girl Pittsburgh, Carol shares her journey into financial planning, her mission to empower people (including women), and how financial independence is within reach for everyone.
A Journey Inspired by Personal Experience
Carol’s path to financial planning was shaped by her own struggles to find personalized financial guidance. “When I needed financial planning for my own goals, I wasn’t able to find a solution that truly fit my needs,” she explains. Having worked in mortgages, loans, and as an analyst for BNY Mellon, she knew options existed but weren’t always accessible—especially for women navigating their own careers and financial paths.
Determined to bridge this gap, Carol conducted extensive research and ultimately chose Northwestern Mutual. “One of the main reasons was my mentor, Sebastian Becerra. He, like me, was not born in the U.S., and I saw how he navigated challenges unique to immigrants and professionals starting from scratch.” Now, Carol works in a co-working space with experienced advisors, ensuring she can provide top-tier guidance to her clients.
Financial Planning for Every Woman
Many women assume financial planning is only for high-income earners or business owners, but Carol emphasizes that it’s for everyone. “My criteria is simple—women who care about their financial future and want to grow. It doesn’t matter if they work with me today or not. What matters is whether I can answer their questions and make a difference.”
Carol describes financial planning as the foundation of a home. “Whether you’re fresh out of college, launching a business, growing your career, or preparing for retirement, the first step is knowing your goals and understanding your financial options.” From concerns about saving and investing to navigating maternity leave, career transitions, and long-term security, Carol tailors every plan to fit women’s unique needs.
Her approach is proactive—she meets with clients every six months to review and adjust their plans. “Life changes quickly. A new job, marriage, motherhood, or even a career shift can impact financial stability. That’s why ongoing adjustments are crucial.”
Making Financial Guidance Accessible
One of the biggest misconceptions about financial planning is that it’s expensive. Carol reassures women that guidance is accessible. “At Northwestern Mutual, our first session is free. We talk about goals, answer questions, and if they find value in our discussion, they can introduce us to others who might benefit as well.” This referral-based approach makes financial guidance more available to women who may otherwise hesitate to seek help.
Encouraging Women to Join the Industry
Carol is also passionate about helping women enter the financial planning field. “We’re always looking for women who are seeking internships or career changes. You don’t need a finance degree—just a strong work ethic and a desire to help others.”
Northwestern Mutual offers structured training programs, including a 15-day onboarding and mentorship opportunities. “Financial advising offers incredible flexibility and income potential, which is especially valuable for women looking to balance career and family life.”
Five Tips for Financial Wellness for Women
- Set Clear Financial Goals – Whether it’s buying a home, saving for retirement, or building an emergency fund, having clear objectives helps you stay focused.
- Create a Budget and Stick to It – Understanding where your money goes allows you to prioritize spending and savings effectively.
- Invest in Your Future – Don’t be afraid to explore investment opportunities. Start small and grow your portfolio over time.
- Build an Emergency Fund – Life is unpredictable, and having savings set aside for emergencies can provide peace of mind.
- Seek Professional Guidance – A financial advisor can help you develop a personalized plan to achieve financial security and independence.
Taking Charge of Your Financial Future
As we enter a new year, financial well-being should be a top priority. Carol’s insights provide a roadmap for women looking to take control of their financial futures. Whether you’re looking for guidance on savings, investments, or career opportunities in finance, her expertise is invaluable.
For those interested in learning more, Carol and her mentor, Sebastian Becerra, share resources through LinkedIn and other platforms. With a commitment to making financial planning accessible and empowering, Carol continues to uplift women, helping them build strong financial foundations and bright futures.
To connect with Carol and learn more about Northwestern Mutual’s financial planning services, visit her website or reach out through LinkedIn.
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