Lou Ramirez

Wealth accumulation and income distribution planning.

Lou Ramirez

Schedule a meeting with Lou.

Schedule a meeting with Lou.

I majored in marketing at the University of Dayton before graduating in 1995 and I have been with Savage and associates since 1996. My wife, Traci, and I live in Maumee, and we have three children: Tucker, Maya, and Sonia. I enjoy camping, hiking, and endurance sports.
I help professionals align their actions with their financial beliefs, so they can live and retire in the manner they choose. I specialize in working with families and helping them plan for the future. I also assist small businesses with their benefits needs. Why? To make a difference in someone’s life.
I’ve learned most people simply want to know that they’ll be okay financially. Three primary factors I help with are wealth building, retirement and distribution planning, and insurance planning. I deep dive into how we build wealth with “3 circles,” retirement distribution, and how to use insurance.

Securities Registered in CA, FL, MI, NM, OH, TX

Securities Registration Series 6, 7, and 63

At Your Service

Our experienced team is here to assist you with a variety of financial needs.

Rana Fteiha

Rana Fteiha

Registered Practice Coordinator


Headshot of Tamy Hagan

Tamy Pfaff

Benefits Advisor


Our Process

  • Discovery and goal definition meeting

  • Personalize a complete financial plan

  • Annual investment meeting and plan updates as needed

Our Service Offerings

Retirement Income Consulting

Maximize income distributions off an existing asset base.

Employer Plan Consulting

Small company retirement plans.

Strategic Tax Planning

Creating tax efficiencies to maximize income.

Behavioral Financial Advice

Align actions with financial beliefs.

Account Consolidation

Consolidating accounts for easier management and record-keeping.

Financial Planning Process

Planning Process Circles

We’ll work closely with you to understand your goals, values, current financial status, income needs and the future you imagine for yourself.

We’ll develop a written plan or proposal that will be presented to you, outlining recommended income, strategies, and benchmarks we’ll measure.

We will select the tools and resources needed to implement your strategy and to help meet your unique needs and goals.

We’ll regularly review the progress of your plan against benchmarks and changes in your life, then make adjustments as needed.

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Securities offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth.
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