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Michelle U Ramos, Registered Representative with Nylife Securities LLC.

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United States
San Antonio, TX
Michelle U Ramos, Registered Representative with Nylife Securities LLC.

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I help individuals, families, small businesses build a strong foundation and strategy for the future I am not licensed in all jurisdictions.

I offer a variety of products that can help you meet a number of insurance and financial needs, including, but not limited to college funding, retirement, managing costs for extended periods of care and lifetime income strategies. Please contact me to help you fully analyze your needs and recommend appropriate solutions. I am an Agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies. Additionally, I am a Registered Representative of and offer securities products & services through NYLIFE Securities LLC, (Member FINRA/SIPC), A Licensed Insurance Agency and a New York Life Company. Neither New York Life Insurance Company, nor its agents, provide tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professionals before making any decisions. Any testimonial on this site is based on an individual’s experience and may not be representative of the experience of other customers. These testimonials are no guarantee of future performance or success.

8000 IH-10 West
Suite 800
San Antonio, TX, 78230

210.321.1400
210.310.9418

My California Insurance license number is 4314840.

10/30/2026

Everything may feel stable today. But if a sickness or injury leaves you unable to work, would your income be protected?
Disability Insurance may help replace a portion of your income during a covered disability.
Let's connect and talk about protecting what matters most.

Read about what individual disability insurance is, and how this private coverage from NYL can offer personal income protection in the event of a disability.

10/29/2026

Life changes. But sometimes beneficiary designations don’t change with it.

This Kiplinger article is a helpful reminder of why it is so important to periodically review the beneficiaries on your retirement accounts, life insurance policies, and other accounts to make sure they still reflect your wishes.

Check out the article here:

https://bit.ly/4yKpe97

If you have questions about your own beneficiary choices, send me a message.

10/28/2026

You're building your career, paying your bills, and planning for the future.
But if a covered disability prevented you from working, would you have a strategy to replace your income while you recover?
Let's connect and talk about protecting what matters most.

Read about what individual disability insurance is, and how this private coverage from NYL can offer personal income protection in the event of a disability.

10/27/2026

Looking for a little more certainty with your money?
Check out this guaranteed interest rate.
Contact me today!

10/25/2026

Think paying upfront is always the smartest financial move? Learn why maintaining flexibility with certain expenses may be worth considering in retirement.

Think paying upfront is the smartest financial move? Discover why staying flexible with some bills is the real secret to stretching your retirement savings.

10/24/2026

Rent, student loans, and everyday expenses don't pause when life takes an unexpected turn. If a sickness or injury leads to a disability event that keeps you from working, an interruption in income can quickly create financial stress.
Individual Disability Insurance can help protect your income, which may help address financial challenges during a covered disability. Let's connect and talk about protecting what matters most.

Read about what individual disability insurance is, and how this private coverage from NYL can offer personal income protection in the event of a disability.

10/23/2026

The cost of long-term care can have a meaningful impact on individuals and their families. This article explores current cost considerations and how extended care needs may affect household finances and retirement plans.
https://bit.ly/4snOqR1

10/22/2026

Many consumers rely on credit cards to pay for everyday expenses, such as groceries, but some can't make the minimum payment, according to a new report.

Address

8000 IH-10 West, Suite 800
San Antonio, TX
78230

Telephone

+12103109418

Website

facebook.com

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