When you want a personalized financial plan based on your goals and designed to deliver your vision, there’s only one choice: Ramsey & Associates, Inc. What sets us apart is our great customer service and personal attention, our fee-only approach with no commissions or surprise fees, and planning based on your personal vision as well as your financial needs. Most importantly, we treat clients the way we would want to be treated - our firm's philosophy and guiding principle. Ramsey & Associates offers a wide range of financial planning services that include a thorough analysis of your financial affairs, assets and liabilities, present and future obligations, and income and investment goals. We advise you on cash flow planning, insurance planning, investment planning, and retirement planning. Our personalized approach will help you formulate and articulate a clear vision of your personal and financial goals. We have two experienced financial planners, Karen Ramsey, CFP® and her associate Shawn Donnelly, CFP®. Karen is a Sustaining Member of the National Association of Personal Financial Advisors (NAPFA), an organization of fee-only financial planners, and Shawn is a NAPFA-Registered Financial Advisor. In business since 1990, Ramsey & Associates, Inc. is an SEC-registered investment advisor.