Certified Financial Planner
Resume:
Matthew A. Ramos, MBA, CFP®
Washington, DC 20011
703-***-**** *******.*.*****@*******.***
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EXECUTIVE SUMMARY
“If we weren’t already doing it this way, is this the way we would start?” That question drives how I have approached my various roles. I am a successful, well-educated, hard-working professional seeking a position that will leverage my analytical abilities, interpersonal skills, and desire to make a difference. SKILLS & CORE COMPETENCIES
Communication
Diplomacy
Mentoring & Team Building
Resourceful
Analytical & Thoughtful
Dependable Team Player
Operations
Versatile/Cross-Functional
Financial Planning
Investment Research
Portfolio Management
Spreadsheets & Models
WORK EXPERIENCE
MAR Financial Planning Washington, DC
Founder February 2019 – Present
• Re-started my own financial planning firm that caters to the needs of the mass affluent (portfolios less than $1 million)
Golfdom McLean, VA
Accounting Manager February 2019 – Present
• Responsible for accounts payable, reconciliations, and month-end closing for this multi-million-dollar specialty golf retailer.
Cassaday & Company McLean, VA
Vice President July 2018 – February 2019
• Hired to create a new business unit and platform that efficiently serves the needs of the mass affluent MAR Financial Planning Washington, DC
Founder July 2016 – July 2018
• Founded my own financial planning firm that catered to the needs of the mass affluent (portfolios less than $1 million)
• Created my own website, logo, all necessary compliance filings, account agreements, investment processes, and client deliverables
Sullivan, Bruyette, Speros & Blayney McLean, VA
Senior Portfolio Manager January 2014 – July 2016
• Managed over 300 client accounts totaling over $500 million in assets and supervised all aspects of portfolio management, trading, and research
• Presented portfolio management and investment strategy recommendations to clients and prospects
• Explained complicated investment concepts and strategies in writing and orally
• Researched investment strategies and presented recommendations to the Investment Committee
• Developed standards for all portfolio analysis and proposals including investment plans, investment policy statements, and Morningstar analysis
• Developed four new asset allocation models for the firm
• Developed new rebalancing and dollar-cost averaging templates and strategies
• Instituted new procedures to invest available cash and to automate pulling index data for reports
• Instituted weekly team meetings and mentored junior members of the team Matthew A. Ramos, MBA, CFP®
6001 McLean Place, NE
Washington, DC 20011
703-***-**** *******.*.*****@*******.***
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• Took the initiative to regain access to the exclusive mutual fund family, Dimensional Fund Advisors Capital Fiduciary Advisors Reston, VA
Relationship Manager & Chief Compliance Officer October 2012 – December 2013
• Lead relationship manager/advisor to a group of high net worth clients
• Led the firm’s financial planning engagements
• Trained staff how to use the financial planning program, MoneyGuidePro
• Member of the Investment Committee and Management Committee
• Successfully salvaged troubled relationships and developed new relationships for the firm MTX Wealth Management Bethesda, MD
Vice President, Chief Operating Officer & Chief Compliance Officer February 2007 – October 2012
• Financial advisor to professional athletes
• Managed their investment portfolios and cash flow, supervised the payments of their bills, and assisted with home purchases, mortgages, auto purchases, and insurance placement
• Designed the firm’s proprietary asset allocation models, rebalance tool and proposal package
• Member of the Investment Committee responsible for reviewing and maintaining our preferred list of money managers and mutual funds
• Supervised performance reporting process and trained staff in all aspects of the business
• Responsible for the firm’s adherence to SEC compliance standards; coordinated the annual surprise custody audit and annual compliance consultant review
• Proactively evaluated all areas of the business to improve efficiency, establish work flows, upgrade deliverables, and reduce costs; examples include performance reporting, CRM, rebalance software, trading, financial planning software, marketing material, bill pay, client portal, and firm website SFX Sports/SFX Financial Advisory Management Enterprises Washington, DC Director January 2004 – February 2007
• Financial advisor to professional athletes
• Managed their investment portfolios and cash flow, supervised the payments of their bills, and assisted with home purchases, mortgages, auto purchases, special requests, and insurance needs
• Created and presented our financial advisory marketing material to professional athletes and agents
• Designed optimized asset allocation models based on the client’s objectives and risk tolerance
• Implemented client portfolios based on liquidity, future cash needs, time horizon, investment minimums, current market conditions, and suitability
• Utilized investment database to review money managers and to build model portfolios
• Analyzed private real estate and private equity investments and prepared summary investment memos for our clients
• Researched and reviewed money managers as a member of the Investment Committee
• Proactively improved the overall efficiency of our portfolio reporting process by engaging an outside consultant, implementing a more formal process, and training the staff A.G. Edwards Washington, DC
Financial Consultant October 2001 – January 2004
• Developed an investment advisory practice focused on the sports industry
• Designed investment portfolios based on clients’ cash needs, risk tolerance, goals, and time horizon
• Scored 95/100 on the Series 7 exam (the General Securities Representative Qualification Examination) Matthew A. Ramos, MBA, CFP®
6001 McLean Place, NE
Washington, DC 20011
703-***-**** *******.*.*****@*******.***
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Bank of America Raleigh, NC
Assistant Vice President – Commercial Banking April 1999 – February 2001
• Clients ranged from software and internet e-commerce start-ups to manufacturers
• Devised short-term investment programs for two clients that enabled them to maximize returns and minimize risks for their private equity financing
• Analyzed financial statements and created cash flow and income statement forecasts to determine debt service capacity and leverage
• Developed financing strategies based on capital structure and risk profile using traditional credit or alternate forms of capital (asset-based lending/leasing/subordinated debt/private equity) Bank of America Chicago, IL
Assistant Vice President – Global Corporate & Investment Banking January 1998 – March 1999
• Managed a portfolio of 25 clients in the Insurance and Money Management industries
• Advised a major life insurance company on the appropriate capital structure for its $1 billion acquisition of a money management firm and authored the investor Offering Memorandum for the
$150 million syndication
• Structured transactions and negotiated loan agreements with clients, attorneys, and participant banks when Bank of America was the Agent
• Supervised completion of credit approval documents, presented deals to the loan approval committee, mentored analysts, and monitored portfolio compliance and performance Corporate Finance Associate – Global Corporate & Investment Banking August 1995 – January 1998
• Responsible for financial, credit, and qualitative analysis of insurance and money management firms
• Analyzed financial statements and developed cash flow and debt service models
• Selected to build an extensive Excel model to simulate the structure, IRR, and cash flows of a
$400MM collateralized bond fund for the investment division of a major life insurance company
• Researched, developed, and implemented a contingency plan enabling a client to invest $1.7 billion overnight in the event its acquisition failed to close as scheduled
• Produced the credit approval documents and investor Offering Memoranda for two insurance company acquisitions and the complete capital structure of a collateralized bond fund Chase Manhattan Bank New York, NY
Summer Associate – Global Chemicals Summer 1994
The Vanguard Group Malvern, PA
Investment Accountant June 1990 – July 1993
• Consistently recognized as one of the division’s top performers by providing stability, doubling productivity on the most active and challenging fund, supervising staff, and training co-workers
• Calculated available cash for overnight investment into REPOs, reconciled and marked-to-market FX accounts, and investigated and resolved trade settlement problems with foreign stocks EDUCATION
University of Michigan Ann Arbor, MI
Master of Business Administration September 1993 – April 1995
• Concentrated in Corporate Finance, Accounting, and Corporate Strategy
• Awarded full merit scholarship from the Consortium for Graduate Study in Management Matthew A. Ramos, MBA, CFP®
6001 McLean Place, NE
Washington, DC 20011
703-***-**** *******.*.*****@*******.***
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Drexel University Philadelphia, PA
Bachelor of Science in Business Administration September 1985 – December 1989
• Dual Major: Finance and Marketing
• Worked on the floor of the Philadelphia Options Exchange and for a small biotech during Co-Ops CERTIFICATIONS
• CERTIFIED FINANCIAL PLANNER™ professional
• Series 7 and Series 66 securities licences
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