Joe Ramos, CEO & Sr. Wealth Advisor
Joe Ramos, CFP
CEO & Sr. Wealth Advisor

Joe Ramos, CEO Private Capital Management


Providing Personalized Wealth Management Strategies Since 1987

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Joe has specialized training in the accounting, financial, and investment advisory fields. The combination of these three disciplines enables him to provide excellent insight and guidance on the full spectrum of his clients' needs. Through the PCG Empowered Wealth Optimization System™ and his collaboration with the Wealth Strategies Design Team™ of The Private Consulting Group, Joe is able to utilize proprietary techniques and creative solutions to meet his clients' objectives in the areas of income and estate tax savings, family wealth transfer and philanthropic planning. These solutions help Joe's clients eliminate dangers, capture opportunities and reinforce strengths. The effectiveness of this planning is maximized through the use of tax-efficient investment strategies and cutting-edge financial tools designed to meet the needs of individuals with substantial wealth. In addition to working with members of the Wealth Strategies Design Team™, Joe has worked in concert with numerous attorneys, bank officers, CPAs and other professional advisors throughout the country in order to assemble the best team for each client situation.

Mr. Ramos is a graduate of the U.C. Berkeley School of Business. He began his career in 1982 as a Certified Public Accountant with Arthur Andersen & Company, in San Francisco. He also earned his Certified Financial Planner designation from the College of Financial Planning in 1991. After five years as a practicing CPA, Joe teamed up with Norman G. Levine and became a financial consultant to high net worth individuals and business owners. Joe spent eight years growing his practice under the guidance of Mr. Levine, who is internationally recognized as a speaker and author, and also considered one of the true "greats" in the industry, having pioneered "full service" financial planning in the late 1960's. In 1995, Joe founded his own firm that he later incorporated as Ramos Financial Corporation (RFC). He is currently the President/CEO of Private Capital Management, Inc., a division of Ramos Financial Corporation, and a founding member of Empowered Wealth, LLC.

Mr. Ramos works with his clients to develop and implement strategies to meet their wealth accumulation and preservation goals. Joe emphasizes tax-advantaged planning, such as tax-efficient portfolio management and proprietary strategies designed to generate significant current income tax and estate tax savings. Joe is on numerous industry-related Advisory Boards and a frequent member of the Top of the Table, a group representing the top 1/10th of 1 percent of financial planners worldwide as determined by the Million Dollar Round Table. Mr. Ramos is a recognized lecturer on a variety of complex investment and estate planning topics, having addressed over 100 public, private, and industry groups. Joe is also on both the San Francisco and Marin Estate Planning Councils. He is a member of the following national organizations: AICPA, IAFP, FPA, NAIFA, and NASD. He has also been listed in Who's Who in America since 1999, and was previously listed in Who's Who in the West.

Joe has strong ties to the Bay Area. He grew up in Orinda, lived in Berkeley during his college years, then San Francisco for 13 years, and now resides in Kentfield (Marin County) with his wife, and three children. Favorite activities include cycling and triathlon training, golf, skiing, and flying his plane. However, his greatest personal joy comes from spending time with his lovely wife, daughter and two sons.