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 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:


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.