MR

Manuel Ramos, CTS, CFS®, CAS®, CIS, CES, LUTCF

Member in Good Standing
Financial & Investment Advisor
Downey, CA
CTS CFS® CAS® CIS CES
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Education

Biological Scienses

Licenses

Series 6
Series 63
Series 7
Life
Variable Contracts
Accident & Health
Property & Casualty

Other Credentials

LUTCF

IBF Designations

Certified Tax Specialist
Tax planning strategies for individuals, businesses, and retirement accounts.
Certified Fund Specialist
Deep, practical knowledge of mutual funds, ETFs, and managed portfolios.
Certified Annuity Specialist
Fixed, variable, and indexed annuities. Accumulation and distribution strategies.
Certified Income Specialist
Retirement income planning, withdrawal strategies, and distribution optimization.
Certified Estate & Trust Specialist
Estate planning, trusts, wealth transfer, and fiduciary responsibilities.
Interested in earning an IBF designation? Explore all programs

Contact Manuel

Downey, CA
Email

At a Glance

IBF Designations 5
Member Since 2012
Other Credentials 1
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Practitioner-Reviewed education since 1988
Profile verified · March 2026

What makes an IBF-designated advisor different?

1988
Established track record
Founded by a practicing financial advisor who believed designations should teach practical skills, not just theory.
CE
Ongoing requirement
IBF-designated advisors maintain credentials through continuous education, keeping knowledge current.
501(c)(3)
Nonprofit education
Focused on advisor education and professional development. Content reviewed by practicing advisors and SMEs.