Christian Ramos-Kearney, CRPC™
Financial Solutions Advisor Learn more about this advisor's background on
My name is Christian Ramos-Kearney, and I’m a licensed Merrill Financial Solutions Advisor. I can provide you with advice when you need it, an investment strategy and a portfolio aligned to your needs to help you pursue your investing goals.
I'm looking forward to discussing your goals, as well as learning about your other interests. In my free time I enjoy:
- Basketball
- Reading
Additional Languages*
- Spanish
New to investing?
Start by reviewing some of the basics. As you define your goals and assess your attitude toward risk, ask me for help with clarifying your investment choices.Investing basics
Investing is about seeking to grow your money in order to pursue your goals. There's a variety of ways to invest, and several fundamental — and related — factors to keep in mind. It's also important to note that investing involves the risk of losing money.Risk vs. reward
Over time, more aggressive investments like stock have generally brought higher returns — but with a greater chance of losing money.The advantage of time
If you start investing at a young age, you may have more time to potentially grow your investments and a greater opportunity to ride out a market downturn.Diversification
Putting your money in different types of investments can help manage risk.Types of investments
We offer a full range of investments, including: stocks and bonds, mutual funds, exchange-traded funds (ETFs) and managed portfolios.Generally, stocks have the highest risk/return potential, and bonds (fixed income investments) the lowest.
Stocks and bonds
Stocks: An ownership stake in a company.Bonds: Money loaned to a company or government that agrees to pay you back.
Mutual funds
Professionally managed investments that pool money from a large number of investors to purchase a combination of stocks, bonds and /or other securities.ETFs
Collections of securities that can be bought and sold throughout the day and can offer tax benefits, greater diversification and lower costs to investors.Managed portfolios
Recommended investment strategies, with portfolios built, monitored and rebalanced by investment professionals.Your particular investing needs
There's no one-size-fits-all approach to investing. How you invest will be driven by your goals, time horizon, liquidity needs and risk tolerance. Here are some questions to ask yourself as you begin to think about investing.What are you investing for?
A well-defined goal — like deciding how much you'll need in retirement — is the first step in determining what it might take to achieve your objective.What is your time horizon?
If you're saving for a longer-term goal such as retirement, you may be able to be more aggressive than if you're saving for a shorter-term goal like a home purchase.What are your liquidity needs?
It's essential to know how much cash you might need at a given point, and how easily you could convert an asset into cash without potentially incurring a loss.What is your risk tolerance?
What amount of risk would you be comfortable taking in pursuit of potentially higher returns?
Generally, stocks have the highest risk/return potential, and bonds (fixed income investments) the lowest.
Bonds: Money loaned to a company or government that agrees to pay you back.
Let's get started
Use our tools to help clarify your needs and find out where you stand.Chief Investment Office
from the Chief
Investment Office with the What matters most to you quiz
Preferred Rewards
Preferred Rewards
Enjoy real benefits and rewards on your Merrill investing and Bank of America banking account balances. And as your balances grow, so do your benefits.
Learn more about Preferred RewardsKeep it together
Link your Merrill investing and Bank of America bank accounts to view and manage your money online and on your mobile device. With just one login, you can transfer funds instantly between your accounts.Footnote 1
What do you care about most?
Invest for the priorities that matter most to you. Get resources, tools and solutions aligned to your financial goals.
Christian Ramos-Kearney is licensed to do business in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY
Supervisory Office400 4th St
Lake Oswego, OR 97034 503.303.6002