Ramirez, Beyhaut & Associates

push-top

Biographies

Supported by the global resources of Merrill Lynch, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

Josefina  Ramirez

Josefina Ramirez

Senior Consultant

305.377.7704
Matias  Beyhaut Terra

Matias Beyhaut Terra

International Wealth Advisor

305.416.6660
Victor A Casado

Victor A Casado

Financial Advisor

305.530.3784
Amparo L Rivas

Amparo L Rivas

Senior Financial Analyst

305.377.7754
Raquel  Vargas

Raquel Vargas

Registered Senior Client Associate

305.995.9285

Where do we begin? It starts with you.

At Merrill Lynch, your financial advisor focuses on the things you care about most- family, goals and priorities - even as they change over the years.

Understanding Your Life

Team Philosophy

Led by Josefina Ramirez – a distinguished wealth management professional and a Merrill Lynch legacy – Ramirez, Beyhaut & Associates brings more than 100 years of experience and a proud heritage of care to a growing circle of client families and business owners in the US and internationally.

Having worked together for decades – and with many clients just as long – team members continue to cultivate strong relationships with two and three generations of client families, based on foundations of mutual respect and trust.

“One of my life’s great joys is serving clients I admire for their love of what they do – and who they do it for,” Josefina Ramirez explains. “More than financial advisors, we feel like life advisors. We help each client appreciate their specific strategy and where they stand. By providing an intimate, familial environment where clients can talk to any of us, we build personal connections with clients and find that many have become our closest friends.”

With many clients generating wealth in their own countries, the team may seek to expose clients’ liquid assets to developed and emerging markets in the U.S, Asia and Europe. Blending its global perspective with BofA Merrill Lynch Global Research enables Ramirez, Beyhaut & Associates to balance risk and opportunity – to help address clients’ long-term wealth preservation goals for their children and grandchildren.

Beyond risk-managed investing, team members have a deep understanding of currency issues, inflation, regulations and tax consequences where clients may reside. When it can benefit clients, access is provided to Bank of America, N.A. for residential and securities-based lending. We work closely with client's tax and legal advisors to help ensure a coordinated investment strategy.

“If a client calls, we answer the phone – even on Sundays. Conversations may range from a tax question, to a real estate opportunity, to leaving money to a child. We also connect clients with names of private schools, physicians, hospitals, and assisted-living facilities in the U.S., for example,” Matias Beyhaut says. “The people we serve demand and receive our very best efforts."




*Any information presented in connection with BofA Merrill Lynch Global Research is general in nature and is not intended to provide personal investment advice. The information does not take into account the specific investment objectives, financial situation and particular needs of any specific person who may receive it. Investors should understand that statements regarding future prospects may not be realized.  BofA Merrill Lynch Global Research is equity research produced by Merrill Lynch, Pierce, Fenner & Smith Incorporated and/or one or more of its non-U.S. affiliates. BofA Merrill Lynch Global Research does and seeks to do business with companies covered in its research reports. As a result, investors should be aware that the firm may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as only a single factor in making their investment decision.

Approach

No two investment strategies are alike because no two investors are alike. We'll examine several components — your life priorities, investment personality and financial situation — to help create an actionable strategy with personalized advice and measurable goals. We'll be here with you every step of the way, helping you track progress to your goals and working with you to adjust your investment strategy over time if or as needed.

Capabilities

Our years of experience in managing through multiple market fluctuations have helped us understand that we can help you pursue your goals by being consistent in our approach. We’ll work with you to build a portfolio strategy that helps you pursue your goals – no matter the financial environment. We’ll take into account your objectives, time horizon and liquidity needs and, perhaps most important, your sensitivity to risk and investment personality.

Your Financial Strategy

We offer you access to the investing insights of Merrill Lynch, trust and fiduciary services from U.S. Trust, and the banking convenience of Bank of America to help you pursue your goals. We will work to help you stay on track, regardless of what the markets are doing.

FAMILY
FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Services2
  • Education Funding Strategies1
  • Insurance3
HEALTH
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds2
  • Private Foundations2
  • Charitable Trusts2
FINANCE
FINANCE
Using your finances to bring it all together
  • Merrill Lynch Investment Accounts1
  • Investment Advisory Accounts1
  • Alternative Investments1
  • Exchange-Traded Funds1
  • Mutual Funds1
  • Closed-end Funds1
  • Fixed Income Products1
  • Options1
  • Annuities3
  • Impact Portfolios1
  • Market-Linked Investments1
  • Securities-Based Lending2
  • Margin1
  • Home Loans2
  • Bank of America Checking and Savings Accounts2
  • Credit Cards2
  • Online Account Access1,2

1Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2Banking products are offered by Bank of America, N.A.
3Insurance and annuity products offered through Merrill Lynch Life Agency Inc.

Staying on Track

We understand that both your life and the financial markets can change over time. By periodically checking in to discuss changes in your life and revisiting your financial strategy, our goal is to help give you peace of mind* that you're on track to help achieve what's most important to you.

Regular reviews to help you stay on track
Regular reviews to help you stay on track

We'll meet with you periodically to review your goals and the progress you’ve made toward reaching them. We'll also discuss any adjustments needed to your financial strategy to help you stay on course.

  • Sample client review agenda
  • Sample Wealth Outlook Report
Monitoring changes in your life and to your goals
Monitoring changes in your life and to your goals

Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.

ML_Video_v2.jpg
Access to what you need, when you need it

MyMerrill is your destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.

  • Your advisor is never more than a click away within our site or mobile apps
  • Manage account security with our customizable security capabilities such as touch id, one time passcode, and other security features
  • Access to your complete financial life is available with My Financial Picture, Merrill Lynch’s asset aggregation tool

*Peace of mind is an aspirational state of mind that clients hope to achieve. There are no guaranteed results following completion of the Goals-Based Wealth Management process because markets can fluctuate and investments can lose value. Advisors work with clients to help them understand how the goals based wealth management process can help to address their concerns, financial situation and priorities.

Let’s Have a Conversation

Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, we can help you create a financial strategy that reflects your personality. Only then can we offer an approach that is built around your life priorities and the ongoing advice you need to help you manage fluctuations in the market and changes in your life. Let’s work together to help you achieve your goals.

Why Merrill Lynch?

As Merrill Lynch financial advisors, we will sort through the financial complexities of your life, helping you build a customized investment strategy to pursue your goals.


MLCampaign_WhyML_v3.jpg

We put you first, every day.
Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch financial advisor.





Transcript of Video

Personalized advice from a dedicated financial advisor.

Getting to know you is our primary goal.

A comprehensive approach, built around your life’s priorities.

Drawing from our experience and the best thinking of Merrill Lynch, we will build a strategy that reflects your unique needs, priorities and financial situation.

Adjusting your plan as your life and the markets change.

We will work to help you stay on track, regardless of what the markets are doing.