Negron-Ramos LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$9,118,600
This total excludes 7 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Total clients
31
0% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
31
Average account size
$294,148
About
Negrón-Ramos LLC provides investment management, financial planning, and tax preparation services to individuals and high-net-worth clients, and also accepts pension/profit-sharing plans and corporate/business entities as clients. The firm offers ongoing portfolio management supported by written Investment Policy Statements and can bundle wealth-management services that include tax return preparation and insurance solutions.
The firm tailors strategies through documented Investment Policy Statements and generally recommends passive, buy-and-hold indexing while also applying modern portfolio theory, fundamental, quantitative, cyclical and technical analysis. It may operate with discretionary trading authority and uses a broad set of instruments—mutual funds, ETFs, fixed income, REITs, annuities, private placements, options and margin/short-sale strategies—while disclosing the material risks of those positions.
The brochure discloses that the adviser maintains outside accounting and insurance activities, provides tax-preparation services, and is a licensed insurance agent who may receive commissions for insurance products and sometimes reduce planning fees when such products are implemented, a mix of activities that can create conflicts of interest and is disclosed as such. Serving pension plans and corporate clients in combination with tax and commissionable insurance services differentiates the firm’s service profile from many independent advisers.
Client services
Financial planning
Portfolio management
Fee options
Fixed fees between $500 and $7,500 for financial planning; $250 to $7,500 for tax preparation
Between 0.25% to 2.00% annually
Commissions received from insurance products sold to clients; may reduce financial planning fees when commissions are received
Between $125 and $200 per hour for financial planning and tax preparation services
Fee-only: Fixed fees between $500 and $7,500 for financial planning; $250 to $7,500 for tax preparation; Hourly fees between $125 and $200 for financial planning and tax preparation
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Main office location
Negron-Ramos LLC
420 Ave Ponce De Leon, Suite 103
San Juan PR 00918, United States
Number of offices
1
Forms ADV
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