Michelle Ramos

About Michelle Ramos

I never planned on working in the financial industry.When the pandemic hit, I was working in construction and real estate—and overnight, everything paused. Like many people, I found myself navigating uncertainty while searching for a better way forward.I didn’t come from a finance background. What I did have was a desire for control—control over my income, my time, and my future. I wanted to truly understand how money works, how to protect it, and how to grow it—especially in unpredictable times.So I started part-time while still running my renovation business. Eventually, I made the decision to go all-in.It’s been one of the best decisions of my life.Through this business, I met my fiancé, started a family, and now get to stay home with our son while building a meaningful career. More importantly, I’ve helped hundreds of individuals and families—starting with my own mom and grandma—protect their money, reduce risk, and create strategies that support their long-term goals.As a non-captive financial professional, I work with top-rated carriers and institutions, allowing me to educate and guide clients without being tied to one product or company. I don’t charge clients a fee—my role is to simplify the process, educate, and help people make confident decisions about their money.This career has allowed me to live life by design—not default.Now, I’m also passionate about partnering with growth-minded individuals who feel called to more than the traditional “work 40 years and hope for the best” path. Many of the people I work with never saw themselves in finance—they just wanted flexibility, impact, and the opportunity to build something meaningful for their families.If you’re open to learning more—whether for personal financial guidance or to explore this as a part-time or long-term opportunity—I’d love to connect.

Experience

1. Financial Services Professional

   Transamerica

   Sep 2020 — Present

   Teaching families what we should have been taught in school to help them prepare for a better financial future.

Education

• University of Florida

  Bachelor's degree, Event management

  2012 — 2016