Cottonwood Associates, Inc. Securing Your Financial Future

Feel Confident in Your
Retirement Planning

Offering unique services & resources to help ensure a successful retirement.

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Helping You Successfully Retire on Your Terms

While the ups and downs of the stock market can be thrilling for some, not everyone feels that way. When it comes to their future, it may feel more comfortable for some to experience less volatility. They may prefer a pace to retirement that prioritizes steadiness and risk mitigation over the potential lure of quick gains. If you find yourself relating to this, Cottonwood Associates might be able to help you. For more than 20 years, we have been helping clients cross the finish line and successfully retire with tried-and-true insurance strategies designed to deliver a guaranteed income stream…just when you need it most.

Services Tailored to Your Unique Needs

Because no two clients are the same, Cottonwood offers a suite of services that can be customized to meet the specific needs of each client. As we all know, life can change quickly so our services are designed to pivot with you and your needs as they evolve and change over time.

Retirement Income Planning

Retirement Income Planning

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Tax Minimization Strategies

Tax Minimization Strategies

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IRA & 401(k) Strategies

IRA & 401(k) Strategies

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Insurance Planning Strategies

Insurance Planning Strategies

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Our Four-Step Process to Reaching Your Retirement Goals

The first step to reach any goal is to create a detailed plan that outlines strategies, steps and timelines. Raymond Ream has guided hundreds of clients through this process during his career. Quality planning starts with an open and honest conversation so he can get to know your ultimate goals. His four-step process helps keep clients on track:

1) Discover

Get to know your current needs and retirement goals.


2) Strategize

Identify different strategies to possibly meet those goals.


3) Implement

Put agreed-up strategies in place.


4) Review

Check in regularly and make adjustments as needed.


Bear Market Survival Guide

Is your retirement plan built to withstand a bear market?

Download our complimentary Bear Market Survival Guide to learn how to protect your retirement plan from market volatility.

Download Now

Serving Our Local Community

Cottonwood is proud to serve clients in community of Western Pennsylvania & Eastern Ohio for over 20 years. Working with individuals, families, retirees, near-retirees and small business owners is what the firm does best. Owner Raymond Ream uses his knowledge, experience and skills to help you identify and work towards your retirement goals. Let’s get started today!

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