Cottonwood Associates

Cottonwood Associates, based in Sharon, PA, specializes in providing financial planning services with a focus on retirement income, tax minimization, IRA & 401(k) strategies, and legacy planning. With over 20 years of experience, their goal is to help clients retire successfully by offering tried-and-true insurance strategies for a secure income stream when needed.

Recognizing that each client is unique, Cottonwood offers customized services that can adapt to evolving needs. They emphasize a four-step process led by Raymond Ream that involves discovering current needs and retirement goals, strategizing different approaches, implementing agreed-upon strategies, and regularly reviewing and adjusting the plan as necessary to stay on track.

Proudly serving Western Pennsylvania & Eastern Ohio communities, Cottonwood caters to individuals, families, retirees, near-retirees, and small business owners. Owner Raymond Ream leverages his knowledge and skills to help clients identify and work towards their retirement objectives. For those seeking expert guidance on navigating the path to retirement goals, Cottonwood Associates offers a complimentary, no-obligation consultation.

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