Janice Cackowski


Centry Financial Advisors, LLC

Partner, Financial Advisor

Janice Cackowski


Centry Financial Advisors, LLC

Partner, Financial Advisor

At Centry, you will receive solid, centered advice. Together, we get clear on what your financial life looks like now and put strategies in place to plan for your financial future. - Janice Cackowski, CFP®


Fee-Only financial planner located in Willoughby, Ohio, serving clients virtually or in-person, both locally and across the country.

Janice Cackowski is a Willoughby, OH fee-only financial planner. Centry Financial Advisors, LLC provides practical and objective financial planning advice to help clients organize, grow and protect their assets through life’s transitions. As a fiduciary and independent financial advisor, Janice is never paid a commission of any kind, and has a legal and ethical obligation to provide unbiased and honest financial advice.

Janice Cackowski began her career as a paralegal in a local divorce law firm. There, she discovered a passion for helping clients working through major life changes such as divorce or death. She realized financial planning was more than dollars and sense. It was about giving people peace of mind as they journeyed through life.

In 2008, Janice earned a CERTIFIED FINANCIAL ADVISOR™ (CFP®) designation. Holding this prestigious certification means Janice is held to the highest ethical standards. She has a fiduciary responsibility to provide financial advice that’s in her client’s best interest. 

Throughout her career, Janice worked as a trust officer at a local bank and a wealth advisor at an independent firm. She was also the president of the Northeast Ohio Chapter of the Financial Planning Association and hosted the national Women & Finance Knowledge Circle.

Then, Janice started Centry Financial Advisors.

She brings her 20+ years of experience to clients who want to know they’re receiving sound financial advice. Her clients can trust her. Today, she proudly offers personalized financial planning advice to new retirees, young professionals, LGBTQ+ couples, and parents planning for college.

When she’s not helping clients, you might find her enjoying the outdoors, tending her garden, walking her dog, or reading a good book. Janice lives in Lake County with her husband of 30 years and her college aged son. Word on the street is she’s also pretty good at keeping score at her son’s baseball games.

Janice Cackowski is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning.

Centry Financial Advisors offers solid, centered advice. Clients that work with Centry Financial Advisors can expect:


  • Their BEST INTERESTS will be put first 
  • PRACTICAL financial planning
  • OBJECTIVE and fair investment advice 
  • EDUCATION to understand recommendations 

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.


  • Comprehensive Financial Planning
  • Retirement Income Planning
  • Tax Planning
  • Investment Management

Ideal Clients

  • Widows and Widowers
  • Divorcees
  • Unmarried Couples
  • Retirees and Near Retirees

Working Together

  • In-Office Meetings
  • Virtual Meetings
  • Complimentary Initial Consultation
  • Clearly Defined Fees
  • No Product Sales

Professional Designations & Affiliations

Contact Janice Cackowski

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Office Locations:

  • 38021 Euclid Avenue
    Suite #3
    Willoughby, OH 44094

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