Wealth Management Overview

Ramirez's Private Client team provides customized financial advice and investment solutions to high net worth individuals, business owners and institutions. We manage over $1.3 billion in assets across more than 2,000 privately managed accounts for multiple generations of families. Our advisory team provides solutions to help manage unique and complex financial issues. We create and implement customized investment programs, Financial and Estate plans for each client’s unique situation.

Private Client Investor Services

  • Portfolio Management
  • Retirement Planning
  • Financial & Estate Planning
  • Insurance Advisory

Portfolio Management

Ramirez offers a wide range of investment expertise and consistent long term track records of outperformance in several strategies designed to meet the needs of sophisticated investors including: tax-exempt and taxable fixed income securities, equities, mutual funds. Ramirez offers customized separate account management for both tax-exempt and taxable fixed income portfolios, equity and balanced strategies. Our investment advisory process starts by identifying our client's specific goals and risk tolerance to develop an asset allocation of appropriate investments. An investment policy statement is crafted for each client account detailing the investment allocation, strategies and benchmarks to track performance. Portfolios are tailored for each individual investor, business owner or institution. Our investment process, ability to customize portfolios and experience through varying market cycles has resulted in consistent investment performance for our clients over the years. All portfolios are actively managed to maximize returns and minimize risks for our investors.

Tax-Exempt Investment Strategies:

New York tax-exempt, California tax-exempt, Massachusetts tax-exempt, Connecticut tax-exempt, General tax-exempt

Equity Strategies:

Growth, Dividend/Growth & Balanced

Taxable Strategies:

Cash/Enhanced Cash, Intermediate, Intermediate Plus, Core, Core Plus, & Long Duration

Retirement Planning

The Ramirez Private Client team is experienced in all aspects of retirement planning. Whether it is advising on optimizing the role of an Individual Retirement Account (IRA), a Roth IRA or a corporate retirement plan (401k), our experienced financial consultants can assist with any and all future retirement needs.

Estate & Financial Planning

Estate planning, the most complex facet of a financial strategy, is designed to help secure your hard-earned assets, efficiently transfer wealth to family members and ensure your family's future.

  • Trust
  • Estate Planning
  • Life Insurance
  • Long-term care insurance

Our team consists of individuals with financial, legal, tax and insurance experience to implement an estate plan that will enable you to protect the assets you've spent a lifetime accumulating.

Insurance Advisory

Our expertise in insurance adds another layer to our professionalism, long-term commitment, and holistic approach to financial services. Our goal is to answer all of your questions and to implement prudent solutions where necessary. Insurance is primarily used for our clients in the estate planning and succession planning process for transfers of assets, long term planning for health related issues and care of those with special needs.

  • Life Insurance
  • Disability
  • Long term Care

Business Insurance Advisory

Protecting the business that you created is an integral component of your business plan. An insurance planner from Ramirez & Company will speak with you about the strategies available and help implement a plan that provides for your company’s present and future needs. We assist with customized retirement vehicles, protection against lawsuits, health related issues and loss of key employees. In addition, succession planning strategies and buy/sell agreements.

For over 45 years, our focus has been on building an investment firm recognized within the financial community for superior quality, while providing personal attention and consistent investment ideas. We have come to be known as a family office for our private clients because of the close relationships we have built through advising several generations of family.

Give your financial advisor a call to have the Ramirez team complete an update of your current financial plan, asset allocation or estate plan and receive a personalized review and update with the Ramirez Team. We are available at your convenience.

Cash Management

A Ramirez & Co. Cornerstone Account can offer a multi-faceted money management solution. The Cornerstone Account is a checking and investment account with many features to maximize your personal finances.

Features include:

  • Checking
  • Electronic Funds Transfer
  • Collateralized Lending
  • Unlimited Investment Options
  • Automatic Cash Sweep Feature
  • Overdraft Protection
  • Interest Bearing Money Market
  • Lines of Credit
  • Visa Debit Card
  • Monthly Statements and Year-End Tax Reporting Statement
  • Balances Update Daily

The Ramirez Wealth Management Team is comprised of:

  • Financial and Portfolio Advisors
  • Traders
  • Credit Analysts
  • PhD Economists
  • Insurance Specialists
  • Legal Advisors
  • Quantitative Analysts