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Your best interests, our guidance.

Consider us your personal finance advocate.

The Certa Difference

We believe in looking out for our client’s best interests first. As independent advisors, we aim to implement the tools, investment strategies, and vendors that work harder for you.

Services

Financial Planning

Get hands-on advice from a CERTIFIED FINANCIAL PLANNER™ professional to help solidify, plan and implement your fully customized personal financial plan free of hidden agendas.

Insurance Planning

Insulate your finances from potentially devastating life events and strive to give your family peace of mind. Understand what coverages you are buying and why.

Wealth Management

No matter what stage life you are in, our team can help integrate your financial plan into a professionally managed portfolio that can adapt to your specific needs & objectives.

Business Consulting

Our team is well-equipped to help with many facets of business planning including tax & succession strategies, company retirement plans & executive compensation programs.

How we are compensated?

Certa offers two simple pricing advisory models with transparent pricing.

Investment Advisory*
Where we manage your investments on an ongoing basis

  • $ Range
  • Tiered Advisory Fee
  • $0 - $500,000
  • 1.50%
  • $5000,001 - $2,000,000
  • 0.75%
  • $2,000,001 - $5,000,000
  • 0.55%
  • $5,000,001 - $10,000,000
  • 0.40%
  • $10,000,000 +
  • 0.30%

*This does not include additional charges for strategy implementation that we will not participate in. These may include transaction charges for buying and selling securities, additional internal management fees for certain investment products and/or third-party investment platform charges. Rest assured that we are mindful in understanding when it may, or may not, make sense to incur these charges.

Financial Planning Only
Where we offer Financial Planning guidance ONLY with no investment advisory

  • $250 per hour for limited engagements – minimum 2 hours
  • Flat fee engagements are negotiated on a case by case basis for comprehensive planning needs

Independent Insurance Agent

  • From time to time, we will act as selling & servicing agent for insurance products (Life, Health, Disability & Annuity) either as a result of a financial planning recommendation or based on a specific client request for an insurance related need
  • We will receive separate, yet customary commission compensation for placing & servicing insurance products.
  • Clients are under no obligation to purchase these products from us and we aim to disclose any potential receipt of commissions up-front

German M. Ramirez CFP

Managing Director
Office: 305-809-7642
Email: german@certaplanning.com

Bio

German is responsible for delivering comprehensive financial planning and investment advisory services to Certa’s clientele. An industry veteran since 2002, German has had the opportunity to view the business through multiple lenses. Most recently he held the position of Co-founder and Chief Investment Officer at BluePrint Wealth Alliance and has also held various client-facing roles with some of the largest financial services firms, including SunTrust Bank, AXA-Equitable, Mass Mutual, and Charles Schwab & Co. German founded Certa Financial Planning in 2019 to fully realize his long standing vision of a firm that can combine 21st century guidance with time tested financial planning & investment principals. A proud father and husband, German resides in South Florida with his wife Lorena and their two children, Emily & Jack

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Certa Financial Planning is Proudly Supported by

Certa Financial Planning has partnered with Independent Financial Partners (IFP) to provide the technological, compliance, and operational support we need. Through our alliance with IFP, we have access to a wide variety of tools and resources to support plan sponsors, plan participants and private investors.

IFP fully supports advisor independence, allowing us to take advantage of the many services they offer while putting your interests above all else. We’re also able to leverage their network of financial advisors and subject matter experts from across the nation to help address even the most complex needs of our clients.

Independent Financial Partners is a broker-dealer and registered investment adviser based out Tampa, Florida. Their firm’s independent platform empowers advisors through freedom of choice and a constantly evolving technology suite that’s designed to help build better client experiences.

IFP Support Team

Bill Hamm

Chief Executive Officer, IFP

Bill began his career in financial planning in 1983 with the CIGNA Corporation. He grew his private practice for almost 20 years when, in 2000, he had the opportunity to acquire an OSJ group of 10 advisors operating on the hybrid RIA platform within what was formerly known as Mutual Services Corporation (a broker-dealer later to be acquired by LPL). Wanting to expand this group, he decided to build a firm that he as an advisor would want to join…a firm of advisors built by an advisor. Growing from 10 advisors in 2000 to now over 200 nationwide, IFP is on the cutting edge of the hybrid RIA industry and has served as a preferred platform for financial advisors seeking the path of independence.

Mr. Hamm is an employee of Independent Financial Partners and not alliliated with Certa Financial Planning.

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Chris Hamm

Chief Operating Officer, IFP

Chris started in the wealth management industry in 2010 as a Private Client Associate at Bernstein Global Wealth Management in New York City. In 2012, transitioned to IFP to oversee the growth of the firm’s staff, infrastructure, and advisor network.

Mr. Hamm is an employee of Independent Financial Partners and not alliliated with Certa Financial Planning.

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Aaron Gilman

Chief Investment Officer, IFP

Aaron Gilman serves as the Chief Investment Officer for Independent Financial Partners and the President of IFP Asset Management. He conducts analytical research and due diligence for all investment types, portfolio analyses and construction, portfolio management, and directs all activities in IFP’s asset management group. Mr. Gilman also serves as the head of the IFP Investment Advisory Committee.

Mr. Gilman is an employee of Independent Financial Partners and not alliliated with Certa Financial Planning.

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Keith Kessel

Chief Compliance Officer, Independent Financial Partners

Keith is the Chief Compliance Officer at Independent Financial Partners, a broker-dealer and RIA based out of Tampa, Florida. He is responsible for keeping IFP compliant, which means abiding by FINRA and SEC regulations. Prior to joining IFP, He served as a legal, compliance & executive within the financial services industry. His industry experience includes broker/dealers, investment advisers, insurance agencies, commercial banks, investment banks, trust companies, private equity/fund issuers, a stock exchange, securities depository trust and securities clearing company, etc.

Mr. Kessel is an employee of Independent Financial Partners and not alliliated with Certa Financial Planning.

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