Ramirez Wealth Management

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.

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.

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 wealth 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.

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.

Bringing fresh perspectives to your financial life

The financial decisions you make today can help determine the future you build for yourself and your family. Carving a clear path forward starts with connecting your life and finances. A Merrill advisor provides access to the investing insights of Merrill and banking capabilities of Bank of America to help you make informed decisions as you pursue your goals.

Helping you create a personalized plan

At Merrill, we go beyond the traditional role of an advisor.

• Your goals, concerns and attitude about investing are the foundation of your plan.
• We actively listen and provide personalized advice — ensuring we understand what matters most to you and your family.
• We're committed to creating a personalized plan that evolves with you to help you live well today while preparing for the future.

Giving you access to our teams and solutions

Your advisor is one part of an experienced team dedicated to helping you achieve your goals. Acting as your single point of contact, your advisor provides personalized strategies and connects you with:

• Bank of America specialists, such as mortgage or trust professionals
• Timely insights from BofA Global Research1 to help you stay informed and navigate ever-changing markets
• A full suite of Merrill investing and Bank of America banking solutions

¹_{BofA Global Research is research produced by BofA Securities, Inc. ("BofAS") and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation ("BofA Corp.").}