Founder of a nationally recognized fee-only wealth management firm helping successful individuals solve financial issues so that they may focus on what they do best. This is accomplished by acting as a clients Personal CFO. Joe and his expert team use a proven five-step consultative process to identify a clients challenges, and then work together with both their own expert team and the clients advisors to design solutions that achieve their clients most important goals. A significant number of clients live in Southern Marin and have real estate heavy balance sheets. Joe has developed a true Wealth Management Firm that addresses not only Wealth Preservation through Investment Consulting, but Advanced Planning that includes an additional four areas: Wealth Enhancement, Wealth Transfer, Wealth Protection and Charitable Gifting. Top 100 Wealth Manager lists: honored often in Worth, Robb Report, Forbes, Bloomberg, or Financial Advisor magazines every year since 2004. In 2012 named by Financial Adviser magazine as one of 50 fastest growing advisory firms in the nation. Specialties: Investment consulting, 1031 tax-free like-kind exchanges, income and estate tax planning, insurance consulting, charitable gifting strategies, and asset protection.

CEO & Sr Wealth Advisor @ Founder of world class wealth management practice built upon honesty, integrity, and service. From 1988 to Present (27 years) Controller @ From 1985 to 1988 (3 years) CPA @ My team focused on companies in the Real Estate, Banking, Leasing, and Securities industries. From 1982 to 1985 (3 years)

College for Financial Planning From 1988 to 1990 Business @ University of California, Berkeley - Walter A. Haas School of BusinessMiramonte Joe Ramos is skilled in: Wealth Management, Finance, Investment Advisory, Investment Strategies, Portfolio Management, Real Estate, Asset Protection, Insurance Consulting, Estate Planning, Alternative Investments, Tax Planning, Qualified Retirement Plans