Financial Planning

Here at Ramirez, our process begins with identifying our clients’ specific goals and risk tolerance to develop an asset allocation of appropriate investments. An investment policy is created for each client account detailing the investment allocation, strategies and benchmark to help track performance. Portfolios are customized for each type of client.

Our investment process, ability to customize portfolios and vast experience through various types of market cycles have resulted in consistent investment performance for our clients. All portfolios are actively managed to maximize returns and minimize risks for our investors.

Our Process


A financial planning consultation with the Ramirez team to obtain all required financial information and to discuss short term & long term goals, family needs, retirement, estate and insurance planning


Based on this information, the Ramirez team prepares a customized financial profile, and investment, estate and insurance plan designed to meet your unique financial needs


Ongoing communication through semiannual meetings to discuss this plan and performance of your portfolio.


The plan and investments are rebalanced based on changing needs and market opportunities, to maximize returns and tax efficiency and minimize risk for our clients.

To request a planning consultation, please contact us at INFO@RAMIREZCO.COM

Customized Asset Allocation

Ramirez offers a customized report for our clients which details all of their assets and is the foundation for a successful long term financial plan, asset allocation strategy and estate plans. This report details all investments in your Ramirez Accounts, investments held at other institutions, real estate, insurance and trusts.

OUR TYPICAL CLIENT

Customized and dynamic investment strategies determined by milestones at different stages in our investor's life.

CLIENTS' AGE RANGE: 20-40

Equity/Growth Focused

CLIENTS' AGE RANGE: 50-100

Moving investors from growth to more fixed income based strategies offering less volatility

GOAL

The goal is to be balanced and fine tuned through annual meetings with the Ramirez Team of Experts.

AGE GROUP ASSET
ALLOCATION:

GROWTH
ASSET
ALLOCATION:

FIXED INCOME
20-29 75% 25%
30-39 65% 35%
40-49 55% 45%
50-59 45% 55%
60-69 35% 65%
70-79 25% 75%
80-89 15% 85%
90+ 10% 90%

TAX-ADVANTAGE

TAX-EXEMPT MUNICIPAL BOND STRATEGY

  • Designed to maximize tax free income and returns while minimizing interest rate risk.
  • Maintain a minimum credit quality of A2/A
  • Return Targets 4-6% (tax exempt) over a full market cycle per annum.
RAMIREZ CUSTOMIZED FINANCIAL PLAN
SAMPLE CLIENT OVERVIEW
Age:

State Domicile:
50

NY-Resident
Federal Tax-Bracket 52.4%*
Total Portfolio Value $20 Min.
Investments $15 Min.
Real Estate $5 Min.
Other Assets
Trust Account: Life Insurance Policy $10 Min.
Long Term Care Insurance --
RAMIREZ CUSTOMIZED ASSET ALLOCATION
SAMPLE INVESTMENT OVERVIEW
Ramirez Tax-Efficient Strategy* $12.5 Min.
Tax-Advantaged Fixed income $7.5 Min.
Equity Blended Value/Growth Strategy $5.0 Min.
 
External IRA Accounts

Total
$2.5 Min.

$15.0 Min.

GROWTH STRATEGY - INDIVIDUAL EQUITIES AND ETFS

  • Designed to provide long term capital appreciation and growth
  • Broad diversification by sector
  • Return Targets 7-10% (taxable) over a full market cycle per annum
TOP