Carmen Ramírez, Financial Services Professional

Let’s talk about protecting your family and business from unexpected loss. Reach out. I can help.

There’s no better peace-of-mind than knowing your family will be taken care of if they lose you. Let’s talk.

What are the odds you will become too sick or injured to work for an extended period of time? They may surprise you. Let’s make sure you’re protected.

Perception is not reality When it comes to disability income insurance your perception is not reality.

Having the confidence and skill to control your own money is true financial empowerment. Take charge. We can help.

Personal financial planning impacts your business. What’s your plan and how can we help?

Let’s discuss your goals and look at your investment opportunities.

Transitioning family wealth starts with knowledge. How can I help you and your family with financial education to leave a multi-generational legacy?

Join Doug as he shares his story about how not having Disability Income Insurance has taken a financial and emotional toll.

Doug's Story Learn how not having disability income insurance affected Doug when he became disabled.

It’s never too early to invest for long term growth. Let’s create a plan that grows with you.

Warm weather, vacations, relaxing with the family. These are the memories that last a lifetime. Let’s talk about navigating preventable challenges to your portfolio to protect these moments for future generations.

After an accident left Brigitte unable to work, her individual Disability Income insurance policy helped provide much-needed income — and a diploma. Learn more.

Brigitte's Story When she left home that day, Brigitte Jameson had no idea how much her life would quickly change. To help start the DI conversation, share this MassMutual DI claim…

A recent Supreme Court ruling has changed how life insurance proceeds could impact the value of your business for estate tax purposes. Let’s discuss what this could mean for you and your business.

Business owners: Check your buy-sell agreement | MassMutual The tax treatment of life insurance proceeds in buy-sell agreements is changing, thanks to the Supreme Court.

Investing isn’t just about the proper allocation to stocks, bonds, and cash. It’s also about careful estate and wealth transition planning. Let’s discuss your plans to help ensure they meet your family’s needs.

Estate planning: 6 big mistakes that can cost you | MassMutual An estate plan can protect your assets, interests and beneficiaries, provided you avoid costly mistakes pertaining to your trust, will, ownership and more.

You fill so many roles — it’s difficult to think about what would happen without you. Let’s make sure you and your family have a financial plan in place.

Travel, weddings, buying a new home. Spring is a time when you may have an increased need for liquidity. I can help you consider your options, from asset allocation to lending strategies. Let's connect.

Even if you are covered by disability income insurance through your employer, the level of income protection it provides may not be enough. Let’s make sure you’re protected.

You insure your home, car, and jewelry. So why not you insure the asset that pays for them? Let’s talk about the importance of protecting your income with disability income insurance. Contact me today.

Contributing to retirement plans and offering insurance benefits can go a long way toward loyalty. Contact me to learn about your options.

Disability income insurance should be part of your holistic financial plan. Let’s talk about getting you the coverage that fits your needs and budget while protecting the ones you love.

As we celebrate the contributions of entrepreneurs across the nation, be sure you take the opportunity to learn more about ways to grow, protect, and value your business. Contact me to learn more.

Hear how including individual Disability Income (DI) Insurance in her financial planning was the best financial decision Lizette has ever made.

Meet MassMutual client Lizzette Villeda Hear how including Disability Income (DI) Insurance in her financial planning was the best thing she has ever done financially.​The video is not for use in N...