At Ramirez Wealth Management Inc., we believe wealth is more than numbers—it’s about purpose, legacy, and peace of mind. Founded by Patricia L. Ramirez, CDFA®, AAMS®, a seasoned wealth advisor with over 35 years of experience, our firm exists to help successful women, families, and business owners make confident decisions during life’s most complex transitions.
Patricia’s journey is one of resilience and reinvention. From growing up without a silver spoon to building a career as a trusted wealth manager, she knows firsthand what it takes to create a thriving financial future—no matter where you start. After navigating her own divorce, Patricia became passionate about helping other women find financial clarity and control. Today, she blends deep financial expertise with empathy, active investment management, and a coaching mindset to help clients grow, protect, and enjoy their wealth.
Based in Concord, California and serving clients across the U.S., Ramirez Wealth Management Inc. is powered by partnership—with Charles Schwab as custodian and Vanderbilt Securities as Broker/Dealer. Our approach is tailored, transparent, and built on trust.
Our process is personal—because your goals are.
We guide every client through a structured yet flexible process that brings clarity and direction to your financial life:
We start with a meaningful conversation. We listen deeply to understand your values, goals, and concerns. Whether you’re navigating a divorce, preparing for retirement, or stewarding generational wealth, we meet you where you are.
We create a custom financial strategy aligned with your priorities. From investment management to estate planning, every plan is designed to grow your wealth and reduce your stress.
We take action—transferring assets, streamlining accounts, and managing investments with precision and care. Our active management philosophy means we stay engaged with your portfolio, not set it and forget it.
Life changes—and so should your financial strategy. We meet regularly to revisit your plan, track progress, and adjust as needed. You’ll always know where you stand, what’s working, and what comes next.
We work best with people who are ready for clarity, not confusion. Our clients are smart, successful, and often navigating major life changes. Many are women who are recently divorced, widowed, or entering retirement—each looking for a steady hand, a strategic mind, and a caring partner.
We also serve:
• Business owners building or transitioning wealth
• Couples planning for retirement
• High-net-worth families managing legacy planning
• Individuals experiencing sudden wealth or inheritance
To ensure we provide the high-touch service and strategic depth our clients deserve, we typically work with individuals and families who have $1 million or more in investable assets.
If you're not quite there yet, we’re happy to connect you with trusted resources or educational tools that may better suit your current stage—because everyone deserves a path to financial confidence.
No matter your story, if you’re looking for a trusted advisor who sees the whole picture and guides you with compassion and clarity, you’re in the right place.
Whether through divorce, loss of a spouse, or unexpected separation, becoming suddenly single can feel overwhelming—especially when it comes to finances. We call this “Planning for the Unplanned Single.”
At Ramirez Wealth Management Inc., we specialize in helping women who are navigating life on their own, often for the first time. Patricia brings not only her credentials as a Certified Divorce Financial Analyst® but also personal experience, deep empathy, and a clear financial roadmap.
We help you:
• Understand what you own and what you owe
• Build a strong foundation for financial independence
• Make smart investment, insurance, and estate decisions
• Navigate settlements, QDROs, and retirement division
• Rebuild your confidence and create a life you love
You are not alone. We are here to help you feel informed, supported, and in control of your future.
Patricia is deeply committed to service—locally and globally. She served as President of the Rotary Club of Concord-Diablo in both 2019–2020 and 2021–2022, and is a proud member of the PolioPlus Society, supporting Rotary International’s mission to eradicate polio worldwide. While she no longer serves on the Board of Directors, her dedication to service remains at the heart of her work.
She is also a District 5160 Leader Academy graduate (2020), an intensive leadership program that develops impactful community leaders across Northern California.
For the past six years, Patricia has volunteered as a camp counselor for Camp Venture, a business boot camp for rising high school juniors and seniors. Through mentoring, coaching, and teaching financial basics, she helps students grow their confidence, entrepreneurial spirit, and leadership skills.
Whether through Rotary, mentoring youth, or supporting global health initiatives, Patricia brings the same heart to her volunteer work as she does to her clients: a genuine passion for helping others grow and thrive.
If you’ve ever felt stuck, scared, or unsure about your finances—especially after a major life change—you are not alone. This 9-week course, launching January 2026, is designed to help women transform their relationship with money through mindset work, financial education, and strategic action.
Led by Patricia L. Ramirez, CDFA®, AAMS®, a seasoned financial advisor and coach,
the program blends decades of experience with personal resilience to help you rise financially and emotionally.
| What You’ll Learn: • Master your money mindset and shift limiting beliefs • Build a solid financial foundation—from cash flow to credit • Learn how to invest with confidence and long-term vision • Set values-based financial goals with purpose • Create a plan for independence and sustainability • Understand how to protect your wealth from unexpected events • Feel empowered and in control—no matter your past |
How It Works: • 9 live weekly sessions, each focused on financial clarity and mindset shifts • Actionable assignments and tools for immediate progress • Access to session recordings if you miss one • A private group for support, reflection, and connection • Real stories, real strategy, real change |