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
50%
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
To all clients:
Samuel A. Ramirez & Company, Inc. (Ramirez & Company) continues to monitor all federal, state,
and local COVID-19 guidance. Currently all employees are working remotely. The firm is operating business
as usual, providing all products, services and capabilities for our clients across the globe. We will continue
to provide updates to you, as needed, in the coming days and weeks.
For more information, please refer to the
Ramirez & Co. Business Continuity Client Disclosure: ramirezco.com/BusinessContinuity.
If you have any questions, please contact your Sales or Relationship Manager or email info@ramirezco.com.
Ramirez & Company, Inc. Management
At Ramirez we firmly stand united in the fight against racial injustices and the marginalization of
minority communities. As a minority owned firm we are committed to ensuring that future generations
do not have to face these obstacles and we believe that we all need to work together to make America
a more just and fair country. Ramirez understands that Black Lives Matter and that more progress needs
to be made to change the fundamental problems of racial and class inequalities in housing, education,
healthcare and our justice system. This is a critical moment in time and it is imperative we
collectively take the steps to make change and move the needle.
CEO Letter to Employees Addressing this Crisis
Diversity Statement
Ramirez Charity and Community Involvement Statement
June 8, 2020
Dear Ramirez Employees:
I want to let you know that I - and all of Ramirez leadership - stand with the Black Community. We are sickened by what happened to George Floyd, Ahmaud Arbery, and the other recent victims of horrible racial violence the past few years and for many years before these events. We abhor the systemic racism and social injustices in America that Black and Brown people are subjected to. We stand with the peaceful protestors and agree that we all need to work together to make America a more just and fair country.
As a first generation American Puerto Rican, I understand the issues minorities today are facing. I have been fortunate to be a successful entrepreneur, but while growing our firm I have had to confront many cases of discrimination and inequality in the American business world. Fifty years ago I remember being told not to name the firm Ramirez, because "no-one would do business with a Hispanic firm." I understand the progress that has been made, but much more progress needs to be made to change the fundamental problems of racial and class inequities in housing, education, healthcare and our justice system. This is a critical moment in time and it is imperative we collectively take the steps to make change and move the needle.
There is no tolerance at Ramirez for racial discrimination of any type and, at a minimum, it is our responsibility and obligation to increase our outreach to the minority community in our charitable giving, internships, hiring, and professional development programs. To that end we will:
Make a commitment to continue to increase the diversity of the Ramirez workforce and the professional development of our minority employees;
Make a commitment to continue to grow our internship and education efforts for up and coming minority professionals;
Establish an internal dialog to discuss these issues and formulate solutions to make change;
Focus more of our charitable giving to organizations that work to change inequities in housing, education, healthcare and our justice system; and
Be supportive of our clients' efforts to change these inequities in America.
We will work together as a company on ideas for how to be most effective in making change. Thank you to all of you who make Ramirez a success and we welcome and appreciate your ideas.
More to come.
Sam Ramirez
Founder & CEO - Samuel A. Ramirez & Co., Inc.
Diversity Statement:
As one of the oldest and largest Hispanic institutions on Wall Street, we are proud of our origins
and strive to lead the way in benefiting those most in need. Being 92% minority owned & 100% employee
owned, we take pride that 100% of our regional offices are being led by a minority or military
veteran. When focusing on the senior leadership roles at Ramirez & Co and Ramirez Asset Management
there is an impressive 60% minority representation. We believe that this diverse workforce is a key
ingredient to our success and thus over the last ten year periods 40+% of all new hires have been
minorities. We have a robust internal program that provides junior minority employees mentorship
opportunities with senior leaders that help them navigate the industry and advance within the firm.
This pipeline of talent starts with our intern program where over the last ten years 65% of all
interns have been minorities with the current class being representative of that. Overall 40+% of
the total Ramirez family is composed of minorities.
We are committed to continuing to be industry leaders in the inclusion of minorities in the financial
industry and firmly believe that this is a key part of our future success.
Charitable Giving Statement:
Now more than ever is the time to concentrate on giving to causes that have the potential to improve our
country and create the most value for future generations. Over the last five years Ramirez has focused our
giving to organizations whose missions include the education of minority populations, community support,
healthcare and mentorship programs. A total of over 100 charities with 18+ unique causes were supported with
almost $850k+ in total donations made. Ramirez is committed to increasing our support of organizations that
are focused on racial and class inequities in housing, education, healthcare and our justice system.