Brandon Ramirez, Financial Advisor

As the AAPI community continues to build a brighter tomorrow, I can help you feel more secure about your future. Let’s connect.

Hispanic Americans are less likely to rely on a financial professional for their investments. Let’s change that.

What’s ahead in life and how can you plan for it? Your strategy should be as unique as you. Let’s talk about how laddering may fit in.

Life insurance: The ladder strategy approach | MassMutual Laddering life insurance means buying different kinds of policies at varying lengths and times to serve specific functions and address particular risks.

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 may get the urge to make a move when the market unexpectedly changes, but the best course may be to do nothing. Let’s talk through your plan and make sure it’s built to go the distance.

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Annuities are powerful retirement tools, but people often have misconceptions about how they work. Let’s talk over your strategy and make sure you’re making things clear for your clients.

Why criticisms and complaints about annuities are often wrong | MassMutual Annuities are often disparaged by certain segments of the financial community. And in many cases, the criticism is undeserved.

You can’t predict where life will take you, but you can take steps towards securing your family’s financial future. Let’s discuss how life insurance can help protect your loved ones today.

The forecast is strong: record sales in 2023 showed that the annuity game is fruitful.
Let’s go over your annuity game plan.

LIMRA: U.S. Annuity Sales Post Another Record Year in 2023 For the second consecutive year, U.S. annuity sales set an all-time record high, according to preliminary results from LIMRA’s U.S. Individual Annuity Sales Survey, representing 83% of the total U.S. annuity market.

Wondering how to find a financial professional who truly understands you? Let’s talk.

69% of business owners say that keeping key employees loyal is a top priority. Make sure you’re talking to your clients about how having the right insurance plan in place can help them retain top talent.

Source: MassMutual’s “Business Owner Perspective” Study, 2022.

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.

Building a portfolio that produces enough passive income to cover expenses without cutting into savings? That’s a goal everyone should have. Let’s talk through various strategies, like annuities, that can help.

How to live off interest only in retirement | MassMutual If you wish to pay the bills with your earnings, without invading your principal, you’ll need sufficient savings — and a plan to offset inflation.

Nearly half of all Americans feel they aren’t where they need to be when it comes to retirement planning. Let’s connect and build guaranteed lifetime income into your plan to help strengthen the road to your goals.

MassMutual Consumer Spending & Saving Index: In Pursuit of Happiness, Younger Generations Prioritize Money over Marriage - MassMutual Contradictorily, they feel behind in saving enough to retire at an ideal age (60-69) - MassMutual

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.

Financial planning includes the entire family. Let’s talk about how we can help.

69% of business owners say that keeping key employees loyal is a top priority. I can help you put the right insurance plan in place to retain your best team members.

Source: MassMutual’s “Business Owner Perspective” Study, 2022.

Annuities aren’t just for retirees. If it’s right for you, a variable annuity can be a great method to grow your nest egg if you act while you’re still building your assets. Let’s talk it through.

Regardless of how you’ve chosen to save through the years, you’ll need an income solution that you can’t outlive. Let’s talk about how an income annuity can help support your retirement needs.

Annuities: How to Turn Retirement Savings into Retirement Income An income annuity can convert your savings or a pension-plan lump sum into a lifetime stream of income. Here are the basics on how annuities work and some points to consider before buying.

Are you a business owner looking for ways to retain your key employees? Learn more about section 162 plans and how they can help build an attractive compensation package.

What is a Section 162 executive bonus plan and how does it work | MassMutual Executive bonus plans (Section 162 plans) use life insurance benefits to entice and keep key employees at your company.

Let’s connect this summer and discuss the benefits of owning life insurance, no matter where you are in life.

To my fellow Americans – happy Independence Day! Cheers to the red, white, and blue.

Many retired Americans are returning to the work force, fearing they will run out of money in retirement. Let’s talk through your situation and see if an annuity can help you secure guaranteed retirement income for life.