Nancy Croy Ramey, CFP®, MBA
Principal and CFO
Nancy is a CERTIFIED FINANCIAL PLANNER™ professional with over 30 years of business and financial planning experience. She graduated from Florida State University and obtained her Master’s in Business Administration (MBA) with an emphasis in finance and accounting from the University of North Carolina at Chapel Hill.
Nancy joined ProVise in March 2000 and brings strong financial management and accounting skills to our team of professionals. She provides her clients with a “hands-on” personal financial planning experience. Prior to her career at ProVise, she was a shareholder and Controller for a privately held company in Northern California responsible for accounting, claims, and customer service.
Nancy is a member of the Financial Planning Association of Tampa Bay and served on the Board of Directors for over five years. She is a member of the North Carolina Certified Public Accountants. Nancy serves as Vice Chair on the Board for the Homeless Empowerment Program (HEP). She also serves as Vice Chair on the Board for Directions for Living, a non-profit organization serving children and adults living with severe or persistent mental illness. Additionally, Nancy is active in other planning and charitable organizations such as Women in Philanthropy, Pinellas County Estate Planning Council, and on the leadership team for the Morton Plant Mease Health Care Foundation Planned Giving Advisory Council.
Nancy lives in Tarpon Springs with her husband, Bob. They have three daughters and four granddaughters. Nancy and Bob enjoy traveling, playing golf, and riding bikes.
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The ProVise Planning Experience
A financial plan is a roadmap to your financial success. A ProVise financial planner will follow a process that includes the following steps to creating a customized strategy specific to your current financial situation, lifestyle, and future goals.
1. Understanding Your Personal and Financial Circumstances
Before we can help you reach your goals, we need to understand where you are. We perform a thorough analysis of your current financial situation and upcoming risks before creating a financial plan designed for your increased future success.
2. Identifying and Selecting your goals
Your future financial goals will dictate your current financial choices. We need to understand your goals and then help you prioritize those goals, so we can align your financial strategy with the lifestyle for which you are aiming. We help you balance your goals in a way that is designed to benefit your current lifestyle without neglecting your future financial goals
3. Analyzing Your Current Course of Action and Potential Alternative Courses of Action
It is important for us to first determine what you are currently doing and why. What is your approach to your finances and investments? There is no reason to seek alternatives if what you are doing is working. However, we can only do this in the context of looking at alternatives that may either fine tune what you are doing, or perhaps offer an alternative approach.
4. Developing the Financial Planning Recommendation(s)
Unlike others who just want to sell you something that may not be in your best interest, we do not consider recommendations until we have taken the first three steps of the financial planning process. You do not want a physician to create a treatment plan without a thorough analysis of your current condition and consideration of alternatives. The same is true with your financial health.
5. Presenting the Financial Planning Recommendation(s)
We will provide you with a set of written recommendations sharing our best ideas and thoughts regarding your personal financial situation. For those with a relatively uncomplicated financial life it might be done in a bullet point format, while for others it could be a much longer document. It might even be done with a modular plan focusing on the one aspect that is most concerning to you.
6. Implementing the Financial Planning Recommendation(s)
We help you put the financial planning strategy to work by putting together a checklist of action items for you and us that helps ensure that the plan is implemented in a timely fashion. There is nothing worse than knowing what needs to be done and then not doing it.
7. Monitoring the Progress and Update
Financial planning is not an event that happens one time. It is a continuous process. Life happens and things change. You will not go it alone. We will walk with you through every financial decision, roadblock, obstacle and opportunity to make sure you are staying on track toward your financial goals.
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Financial planning is not one big thing…it is hundreds of little things™. We will walk with you every step of the way through investments, debt payoffs and everything in between to help you reach the financial goals that matter most to you.
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