Financial & Retirement Planning

A properly structured Financial Plan enables you to prepare for the various financial challenges that may present themselves at different stages of your personal and professional life. We can work with you in identifying your financial goals and objectives and help you map out a plan to achieve them.

We offer the following financial planning services

- Family cash flow budgeting and analysis
- Income tax reducing strategies
- Retirement planning, 401k, profit sharing and SEP/IRA plans
- IRAs and retirement rollovers and transfers
- Investment analysis
- Risk profiling and asset allocation reviews
- College planning for children
- Insurance policies analysis and recommendations
- Estate planning and tax minimization strategies
- Use of family limited partnerships (FLPs) and LLCs in estate planning

Additional information and disclosure

Our principal, Edward A. Ramsey is a Certified Financial PlannerT (CFP®). He is the principal of Centerpiece Financial Planning, Inc., a financial planning firm and is affiliated as a Registered Investment Advisor Representative (IAR) with Commonwealth Financial Network, member of NASD/SIPC (www.commonwealth.com), an independent broker/dealer and a Registered Investment Advisor with offices in Waltham, Massachusetts and San Diego, California.

For more detailed information about Ed's financial planning and investment advisory services please refer to this web site: www.centerpiecefinancialplanning.com.

Estate Planning Guide - We have available a comprehensive and easy-to- understand "Estate Planning Guide" which describes many of the estate planning concepts and strategies. A copy of the "Estate Planning Guide" can be obtained free of charge, by calling or sending us an email with your name and mailing address.

You have heard the old saying:
"Those who fail to plan - plan to fail"

Financial planning is not a choice.
It's an obligation to your family & loved ones.
We can help you fulfill this obligation.