At Ricketts, Ricketts & Associates, we believe financial planning isn’t just about money — it’s about people, families, and the peace of mind that comes from knowing you’re prepared for the future.
Our clients are hardworking men and women — retirees, pre-retirees, farmers, and skilled workers — who value honest advice, straight talk, and a financial plan that truly fits their life.
We work with people at all stages in life. Whether you’re just getting started, planning for retirement, or managing your savings, we build a plan that fits your needs and comfort level.
We take pride in providing personal, down-to-earth service. You won’t get handed off to a call center or an 800 number — you’ll work directly with our team. We focus on education, follow-through, and long-term relationships, not quick sales.
We take the time to listen, explain things clearly, and build a plan that helps you make confident decisions every step of the way.
Comprehensive Financial Planning
We start by getting to know what matters most to you — your goals, values, and vision for retirement. Then we bring all the pieces together: investments, income, taxes, insurance, and estate planning. You’ll always know where you stand and have a clear plan for where you’re headed.
Retirement Planning
Retirement should be something you look forward to, not worry about. We’ll help you understand how much income you’ll need, when to take Social Security, and how to make your savings last. Whether you’re nearing retirement or already there, we’ll build a plan designed to help you enjoy life on your own terms.
Investment Management
Your money should work as hard as you do. We’ll design a portfolio that fits your comfort level, goals, and timeline — not a one-size-fits-all approach. Our focus is on long-term results, steady growth, and protecting what you’ve worked hard to earn through disciplined investing.
Business Owners<br /> Retirement Plans
For small business owners, farmers, and family operations, a retirement plan can make all the difference — for both you and your employees. We help employers establish and manage 401(k) and other retirement plans that fit their business goals and budget. From setup and employee education to ongoing plan management, we make it simple to offer a quality benefit that helps retain good workers and secure your own retirement future.
Estate & Legacy Planning
You’ve worked a lifetime to build what you have — we’ll help make sure it’s passed on the way you intend. We coordinate with your attorney and tax professionals to help you create an estate plan that protects your assets, reduces taxes, and ensures your loved ones are cared for according to your wishes.
Tax Planning
No one likes paying more than their fair share. By reviewing your tax history and current situation, we identify strategies to help reduce your tax burden over time. From tax-efficient investing to smart retirement withdrawals, we help you keep more of what you’ve earned.
Education & Investment Planning for Children
Many of our clients want to help their children or grandchildren get a strong start in life — whether that means paying for college, trade school, or simply teaching them the value of saving and investing early.
We’ll help you explore and compare 529 College Savings Plans and UTMA (Uniform Transfers to Minors Act) Custodial Accounts:
• 529 Plans provide tax advantages when used for qualified education expenses.
• UTMA Accounts let you invest for broader purposes — from buying a first car to helping with a first home.
We’ll explain the pros and cons of each, help you choose what fits your goals, and build a savings plan that matches your family’s priorities and budget.
Insurance & Risk Management
Life can change in an instant. We’ll help protect what matters most by reviewing your life, disability, and long-term care coverage. Our recommendations are based solely on your needs — not on selling products — so you can have confidence that your family and finances are well protected.
Long-Term Care Planning
We help families prepare for the rising costs of care by evaluating coverage options and creating funding strategies. With proper planning, you can protect your assets, reduce financial strain on loved ones, and face the future with greater peace of mind.
Ongoing Support & Guidance
Financial planning isn’t a one-time event — it’s an ongoing relationship.
As your goals, health, and family situations change, we’ll meet regularly to review progress, adjust your plan, and stay focused on what matters most to you.
We typically meet with clients at least once or twice a year, or more often if your situation changes. Regular reviews help us stay on track and adjust your plan as life, the markets, and your goals evolve.