-------------------My Money and Finances------------------Provided By Center for Retirement Security, Inc.

Experienced, Effecient and Accessible

For over two decades, Financial Consultants Ralph and Emily Loffredo have been in the financial services industry. And, since 1987, as a team,they have built a solid client base which has expanded through referrals from satisfied clients.

Ralph Loffredo, ChFC, CLU, LUTCF

  • Bachelors Degree.....State University of New York
  • Chartered Financial Consultant Degree.....American College
  • Chartered Life Underwriter Degree.....American College
  • LUTCF Designation.....National Association of Life Underwriters
  • Holds various securities and insurance licenses
  • Is a Registered Investment Advisor Representative
  • Has written numerous books, reports, and articles on various financial planning topics
 
 

Emily Loffredo, LUTCF

  • Bachelors Degree.....University of Florida
  • LUTCF Designation.....National Association of Life Underwriters
  • Holds various securities and insurance licenses
  • Is a Registered Securities Principal and Financial Consultant
Both Ralph and Emily have been involved with various professional associations in their industry, and have both held positions on the Board of Directors of the North Suncoast Association of Life Underwriters. In addition, Ralph was a Chartered Member of the Estate Planning Council of the Nature Coast. He has been a member of the International Association of Financial Planners, and has been a member of the Million Dollar Round Table (MDRT), which recognizes the top insurance and financial service professionals from around the world.
 
Monday, February 8, 2010

Disclaimer of Warranty and Limitation and Liability
Insurance & non-securities advisory services offered by Center For Retirement Security, Inc. (to be referred to as CFRS). Securities and advisory services offered through Calton & Associates, Inc., ( www.calton.com ), (to be referred to as C&A), Investment Bankers. 14497 N. Dale Mabry Hwy., Suite 215, Tampa, FL 33618. (813) 264-0440. Member FINRA ( www.FINRA.org ), SIPC ( www.SIPC.org ).  The information on this site is provided "AS IS".  CFRS and C&A does not warranty the accuracy of the materials provided herein, either expressely or impliedly, for the particular purpose and expressely disclaims and warranties of merchantability or fitness for a particular purpose.  CFRS and C&A will not be responsible for any loss or damage that could result from interception by third parties of any information made available to you via this site.  Although the information provided to you on this site is obtained or compiled from sources we believe to be reliable, CFRS and C&A can not and does not guarantee the accuracy, validity, timeliness, or completeness of any information or data made available to you for any particular purpose.  Neither CFRS or C&A, nor any of it's affiliates, directors, officers, or employees, nor any third party vendor will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or interruption of this site, or resulting from the act or ommission of any other party involved in making this site or the data contained therein available to you, or from any other cause relating to your accounts, inability to access, or use of the site or these materials, whether or not the circumstances giving rise to such cause may have been within the control of CFRRS or C&A or any other vender providing software or services support.  In no event will CFRS or C&A, it's affiliates or any such parties be liable to you for any direct, special, indirect, consequential, incidental damages or any other damages of any kind even if CFRS or C&A or any other party have been advised of the possibility thereof. The user agrees to use this site at their own risk and not act on any of the information derived from this site without getting proper counceling from the appropriate professional.   Center For Retirement Security, Inc. and Calton & Associates, Inc. are separate entities.