Negron-Ramos LLC

The firm provides wealth management, portfolio management, and financial planning services, including tax planning and preparation, to individuals, high‑net‑worth clients, trusts, and corporate entities. It implements investment strategies directly and through the AssetMark wrap‑fee platform, and also introduces clients to independent discretionary managers.

The adviser works with each client to develop a written investment policy based on goals, risk tolerance, and time horizon, then implements and monitors portfolios using AssetMark model portfolios or selected external strategists. Engagements may be discretionary or non‑discretionary, and accounts are reviewed periodically with performance and custodial reporting provided through the platform and custodians.

Notable distinctions include the principal’s accounting credentials (CPA and Personal Financial Specialist) and the firm’s explicit offering of tax preparation services alongside advisory work, as well as licensed insurance activity that can generate commissions on life, annuity, and disability products. The firm also serves corporate and pension/profit‑sharing clients, reports substantial assets under advisement (including fixed/indexed annuities outside its discretionary authority), and discloses participation in AssetMark’s advisor benefits program, which creates potential conflicts of interest.