The founders of Wealth Management Partners met via a local chapter of a national professional organization. Their shared business philosophy serving the needs of their clients naturally leads to deeper, longer lasting relationships. The result is a positive experience that is mutually beneficial. Clients are happy and that eliminates our need to constantly seek new clients. Today, almost every prospective client seeks our help as the result of a referral from a current client or business colleague.


Robert T. Ramos CFP®, ChFC®, CASL®

Financial Advisor

Rob obtained a Bachelor’s degree in Economics from the University of Maryland before entering the financial services field with Prudential in September of 1993. He became an independent advisor in 2000 before forming the partnership with Joyce in 2005.

He has successfully completed the following designation programs: CERTIFIED FINANCIAL PLANNER™(CFP®), Chartered Financial Consultant (ChFC®) and Chartered Advisor for Senior Living (CASL®).

Rob specializes in comprehensive personal financial planning, investment management strategies, retirement planning, retirement planning and estate planning.

Rob grew up in Sparrows Point, MD which is located in Baltimore County. He put himself through college working in factories around Baltimore. He currently resides near Allen’s Fresh In Charles County with his wife Linda. Linda is a federal IT contractor who likes painting and gardening in her free time. Rob enjoys spending time in nature walking, kayaking and taking pictures of the wildlife in the area.

Joyce M. Cool ChFC®, CDFA™, CASL®

Financial Advisor

Joyce began her career in the financial services industry in November 1998. She spent the first 5 years of her career with Monumental Life before she ventured out on her own and joined Rob.

She has earned numerous industry designations including the Chartered Financial Consultant (ChFC®),Certified Divorce Financial Analyst (CDFA®) and Chartered Advisor for Senior Living (CASL®).

As a personal financial planner, Joyce specializes in comprehensive personal financial planning, investment management strategies, retirement planning, estate planning and divorce financial planning.

Joyce credits her father for instilling her work ethic and drive to succeed. She has lived in Southern Maryland all her life. Her daughter Jessica graduated from Salisbury University with a degree in Finance and currently lives in Hawaii. Her husband Steve is a retired federal employee and member of The Dr. Robert Band that plays 60’s and 70’s rock in local upscale establishments.