A Message for Younger People

by Robert Ramos on

A Message for Younger People

This piece is intended for anyone who is under 35 or so.

The country, the world, is currently in the throes of its latest crisis. This may be the first crisis you are experiencing as an independent adult. We are truly sorry to inform you it won’t be the last.

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Volatility Works on the Upside too!

by Robert Ramos on

We are fielding a lot of questions and hearing a lot of TV/internet commentary about how long it will take for stock markets to recover. The true answer to that question is no one knows for sure. Any commentator or newsletter writer that professes to have some crystal ball is just wrong.


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Differentiating 2008 vs 2020

by Robert Ramos on

Since late 2008, we have attempted to explain how different the Great Recession was from every other recession of our
lifetimes. The Coronavirus shock we are currently living through unfortunately helps tell this story.


In the run up to 2008, US consumers massively overspent on homes and in...

Turning Lemons into Lemonade

by Robert Ramos on

This may be the time to put that adage to work!! We can fall prey to the incessant negativity around us:

  • Yes, the US bull market that started in early March of 2009 has come to an end. Did anyone truly expect that it was going to last forever?
  • Yes, the US economy is may post some bad numbers...

Foundations of Financial Planning: Cars

by Robert Ramos on
Americans fascination with the automobile has a long history. Americans fascination with money also has a long history. Unfortunately, these two historical American affinities can collide in such a way as to jeopardize or weaken the financial future of individual Americans.

How are Your Retirement Income Sources Taxed?

by Robert Ramos on
Planning for taxes when taking distributions can be as important as managing the retirement income sources themselves. The information below is a very basic discussion and is not meant as individual planning advice. Please schedule an appointment with our financial planning professionals to discuss a suitable tax management plan for using your retirement assets.

The Teaching Moment that is The Summer Job

by Robert Ramos on

High school and college students are now working their summer jobs.

We all know the many positive lessons of a summer jobs: instilling a work ethic, the good feeling that comes from having earned money in your pocket and the sense of independence that grew as your bank account fattened up.

The...

Our 3rd Annual Day at the Ballpark!

by Robert Ramos on

Wealth Management Partners sponsored its 3rd annual Day at the Ballpark event for clients on Sunday June 10, 2018. We had a wonderful day at Regency Furniture Stadium with the Southern Maryland Blue Crabs!

Attendance at this event doubled from last year! We were thrilled to host some many clients...