As a financial advisor with more than three decades of experience, Tricia J. Salvatore Ludgate, CFP®, helps clients identify, prioritize, and achieve their financial goals. Her practice is built on a holistic financial planning approach, providing personalized guidance through every stage of life. Her areas of expertise include investment management, retirement planning, college funding, estate planning, tax planning, and issues affecting retirees.
Tricia holds the CERTIFIED FINANCIAL PLANNER™ designation and is an Investment Adviser Representative with Sovereign Financial Group, Inc., an independent Registered Investment Advisory firm headquartered in Stamford, Connecticut. She is also licensed by the Pennsylvania Insurance Department in fixed annuities, life, health, disability, and long-term care insurance.
A Berks County native, Tricia graduated from Reading High School and earned a Bachelor of Science degree in Business from Kutztown University. She has also completed graduate-level coursework through The American College of Financial Planning. Tricia has written articles on financial and tax-related topics for The Women’s Journal and has been quoted in the Reading Eagle, Berks County Living, and Lehigh Valley Business. She is a member of the Financial Planning Association, the National Association of Estate Planners & Councils, and the National Association of Tax Professionals, and is a past president of the Berks County Estate Planning Council.
Beyond her professional work, Tricia is passionate about advocating for those without a strong voice and advancing financial literacy and economic empowerment for women. A dedicated community volunteer for more than 30 years, she is a past president of the board of Co-County Wellness Services and a member of The Power of the Purse of Berks County, a women’s giving circle dedicated to improving the lives of local women and girls. She also served on the leadership team of Berks Teens, a successful teen pregnancy prevention initiative that exceeded its goal of reducing teen pregnancy in Berks County by 50%, and on the County of Berks Task Force Against Elder Abuse.
When she is not working, Tricia enjoys yoga, hiking, reading, and gardening. Most of all, she values time spent with her children, grandson, extended family, and exploring new destinations both near and far.
