Staff Bios

At we have an innovative approach to servicing clients in the financial world. This is not just a job for us. We are doing our life's work and loving it with passion! We dare to think differently every day. We are an investment management firm driven by our deep commitment to our clients' needs, goals, and dreams.

Establishing a relationship of reliance and trust with your investment advisor can be a vital ingredient to financial peace of mind. utilizes the seasoned staff of Ramsey & Associates, a team with integrity.


Karen Ramsey

Karen Ramsey, CFP® — Founder, President, Certified Financial PlannerTM, Investment Committee Lead

Karen has over 20 years’ experience as a fee-only Certified Financial PlannerTM professional. She is the author of Think Again: New Money Choices, Old Money Myths and the creator and leader of a nationally presented workshop based on her book, Caring for Your Soul in Matters of Money®. Karen is profiled in numerous publications year after year. She proudly received the Seattle Mayor's Small Business Award in 2007. Karen has appeared on TV as a finance education program host as well as being interviewed as a financial expert on KUOW (Seattle’s affiliate of NPR), CBS’s "This Morning", and CNN’s Financial News Shows, and in Glamour Magazine, The Seattle Times, US News & World Report and The New York Times. She is a Sustaining Member of the National Association of Personal Financial Advisors (NAPFA).

Karen’s current interests are: fostering a healthy work-life balance atmosphere in the workplace, family fun, and broadening the audience of Caring for Your Soul in Matters of Money® seminars to help people discover their Money Baggage and create a new, personally-inspiring Money Message.


Steve Holdsworth

Steve Holdsworth, MBA, CFP® — Certified Financial PlannerTM

Steve has over 17 years' experience as a fee-only CERTIFIED FINANCIAL PLANNERTM practitioner including six years management experience as a partner and director. He joined Ramsey & Associates in 2020 as a Senior Financial Planner. Steve serves a broad range of clients in providing holistic financial planning to help them achieve overall financial wellbeing.

Steve has been recognized in Financial Planning magazine's – "Movers and Shakers", "MBJ Top 40 under 40" and as a FIVE STAR Wealth ManagerSM. For three years, he served as Adjunct Faculty and Instructor for Kaplan Financial teaching the CFP® Certificate program. Steve is a past chapter board member, membership director and member of the Financial Planning Association (FPA) as well as member of the Estate Planning Council and Planned Giving Council.

Steve graduated from The University of Texas at Arlington with a Bachelor of Business Administration degree in Finance. He also holds a Master of Business Administration degree in Financial Planning & Estate Planning from The University of Dallas, Graduate School of Management.

Steve's current interests are: Spending time with family and friends; Exploring the Pacific Northwest with family; Hiking, kayaking, and biking; Passionate about serving clients as a fiduciary for their financial wellbeing.


Steve G. — Paraplanner

Steve joined the Ramsey Team in 2015. He has a background in financial planning and investment services having worked at a variety of firms in the Seattle area.

Steve has a Bachelor of Arts Degree. Additionally, he holds the Series 65 license.

Currently, Steve monitors client portfolios, places trades, and provides customer service.



Toby Walters — Paraplanner

Toby joined Ramsey & Associates in 2021. He has over 25 years of varied financial research experience including analysis, writing, and data compilation. His background includes such varied topics as retirement planning, private equity, and the overall economy. He also served on the financial review board of several websites.

Toby graduated magna cum laude from the College at Brockport, SUNY with a Bachelor of Science in Business Administration with a focus on financial management. He is also a CFA® charterholder and a member of the CFA Institute.

Toby’s current interests are:

  • Hiking, biking, and running
  • Giving back to the community
  • Staying well-informed of financial and economic issues
  • Providing the highest quality service to clients


CERTIFIED FINANCIAL PLANNERTM is a mark owned by the Certified Financial Planner Board of Standards, Inc.