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Ramirez Wealth Management

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Ramirez Wealth Management

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Merrill Lynch
Wealth Management

Ramirez Wealth Management is a family integrated team serving clients nationwide. Fortified by professionalism and experience we strive to create financial strategies designed to meet your household’s expectations, while helping to achieve your individual goals and aspirations.

Ramirez Wealth Management

Welcome

Our mission is to understand you and your priorities. Ramirez Wealth Management is a family team with over 60 years of combined experience in wealth management. We strive to treat our clients as we treat our family. Meaning that any financial goals that you aim to accomplish, we will be there every step of the way as a guiding hand. We make it our initiative to engage each client in comprehensive discussions to fully understand their individual needs and aspirations. With our Wealth Management Approach we will help you design, implement and develop a personalized strategy that works for you; a strategy that may enable you and your family to pursue your financial goals while managing investment risk. Our objective is to transform your goals and dreams into reality with a structured financial strategy.

Our Process


Ramirez Wealth Management is client oriented. We start by asking:

Where are you today?
Where would you like to be tomorrow?
What do you want to accomplish along the way?

We believe that you and your situation are the best starting points from which to help plan your financial future. By understanding you and your priorities, we can more effectively offer our experience and resources and help you build a financial framework that is rooted in the unique complexities of your life.

Our Focus

We live in a fast paced world that is constantly evolving. Markets are volatile, regulations are amended, and potential investment opportunities can arise daily at the snap of your fingers; It is almost the same as how events emerge and change in everyday life. Ramirez Wealth Management takes all of these factors into account: your life priorities, investment personality and financial situation. This allows for us to help create an actionable strategy with personalized advice and measurable goals. No two investors are alike and the same theory applies for investment strategies and our clients. We take this into account and will assist in structuring your portfolio and investments accordingly. Our Team will be with you every step of the way, helping you track your progress to your goals and adjust accordingly for any circumstance in the future.

Our Capabilities

Proficiency in this industry takes years to achieve; experience takes decades. We'll work with you to build a portfolio strategy that helps you pursue your goals. We have experienced and worked through the challenges the market has presented in both the good and the bad years. However, it is persevering through these times that allowed our group to hone our investment approach to be able to serve our clientele regardless of market conditions or state of the economy. No matter the financial environment we will work with you to build a portfolio strategy that helps you pursue your goals and objectives.

Meet the Team

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

Additional Resources

The following specialists do not make securities recommendations. Please contact your Merrill Lynch Wealth Management Advisor if you have questions about how a specialist might be able to assist you.

Jason Hoffman

Jason Hoffman

Senior Wealth Management Lending Officer

Bank of America, N.A.

NMLS #644454

Your Financial Approach

We offer you access to the investing insights of Merrill, trust and fiduciary services from Bank of America Private Bank, 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
Taking care of your family and other people in your life
  • Trust & Estate Planning Services4
  • Education Funding1
  • Insurance3
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds4
  • Private Foundations4
  • Charitable Trusts4
FINANCE
Using your finances to bring it all together
  • Merrill 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

1 Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2 Banking, mortgage and home equity products offered by Bank of America, N.A.
3 Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
4 Trust and fiduciary services are provided by Bank of America Private Bank.

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 approach, our goal is to help you stay on track to achieve what's most important to you.


Periodic reviews to help you
stay on track

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


    Monitoring changes in your life
    and to your goals

    Your life and goals change. As these changes occur, we can update your approach to reflect them.

    Wealth Management Your Way

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

    Your advisor is a click away within our site or mobile apps

    You can 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’s asset aggregation tool

      Let’s Have a Conversation

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

      Why Merrill?

      As Merrill Lynch Wealth Management Advisors, we will sort through the financial complexities of your life, helping you build a customized investment approach to address your needs and pursue your goals.


      Merrill_Capabilities_Brochure.png  

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

      Personalized advice from a dedicated financial advisor.

      We get to know you and your family, your financial situation and what matters most to you.

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

      Drawing from our experience and the best thinking of Merrill, together we will design an approach that reflects your unique needs, priorities and financial situation.

      Adjusting your investment approach as your life and the markets change.

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