Broker Check

Here is the latest news from Cottonwood Associates, Inc.:

We hope everyone is staying safe. Our office is again open for business. We are taking all necessary precautions in order to keep everyone as safe as possible. If you want to schedule an appointment, we do require a mask for face to face meetings.

In other news, one of our carriers is offering a 5 year CD alternative with rates as high as 3.5% a year. If you are interested in learning more, please call the office at (724)-347-5592. We look forward to hearing from you.

Spring only comes once a year, but a deep cleaning can help your home stay organized and uncluttered all year round. The same can be said for your finances! Financial professional Ryan Nisbett will be talking with WKBN on Saturday, April 8th at 7:20 A.M. about 5 tips to spring clean your financial house:


  1. Inspect Your Budget
  2. Rake in Retirement Contributions
  3. Clean Up Forms
  4. Plug Energy Leaks
  5. Take Out the Trash

    Click here to find out how long to keep financial documents

Ray Ream was interviewed by WKBN Channel 27 regarding mobile banking. Watch the interview Tuesday, May 3rd in the morning between 5 and 7.

If you would like to download the Mint application that Ray mentioned, you can find it here:

Most Americans have less than $1,000 in savings, and a good chunk of people have no savings account at all. That’s dangerous territory when the next expensive car or home repair or unexpected medical bill could be right around the corner.

 Financial Professional Ryan Nisbett talked to WKBN to share some new technology, competitions and other tricks that can help you start saving without much thought.

 Cash Rewards Credit Cards:

    Click here or here for analysis of some of the best cards

Play the Savings Lottery

Make it a Group Goal

Use Automatic Options

Bank Newfound Income

The end of the year is just around the corner, but there’s still plenty of time to reduce your tax bill or boost your refund! Financial professional Ray Ream talked with WKBN about taking advantage of every deduction you can before December 31st.


Year-End Tax Moves to Save in 2017:

  1. Donate to charities
  1. Max out your retirement contributions
  2. Review your FSA account
  3. Home Tax Breaks
  1. Pay College Costs Early
  • Click here for more information on the American Opportunity Tax Credit

From a previous interview, you can find the list of important documents and how long they should be kept after tax season according the the BBB here .

Click here to find the Financial Calculator Ray discussed on Saturday, May 21st on WKBN to figure out how much income you may need in retirement.

In regards to Ray's interview on June 18th on WKBN, here is a list of ways parents can go about handling children's requests and wants:

  1. Don't just say "No"
  2. Continue the Conversation
  3. Pay for Chores
  4. Start Saving
  5. Lead by example

Click here for a budget worksheet to get you started!

From Ray's August 13th interview, here is the Debt worksheet you can use to better manage loans, credit card debt, etc.

Bad with money and making lousy financial choices?

Financial professional Ray Ream talked with WKBN on Saturday, January 12th about why learning your financial personality could be key to tackling your money problems!

Here is a money personality quiz to help you find what type you may be.

Also, a financial compatibility quiz to help couples find solutions to any financial issues they may have!

Whether it’s your first Valentine’s Day as a couple or your 50th, you probably have some work to do when it comes to your finances. It may not seem romantic, but financial harmony plays a big part in finding marital bliss. Financial professional Ray Ream talked with WKBN about how couples can plan for the tricky situations that come with money & marriage.


Start by filling out a financial compatibility quiz. Then make a plan to discuss these areas:


  1. Same Page Conversations
  2. Money To-Do Lists
  3. Spending Limits
  4. Reality Bites (Sometimes)
  5. Next Generation Planning