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Our Team

Tony Ramirez

Tony Ramirez is President of Concert Investment Advisory, bringing nearly 30 years of experience helping individuals, families, and business owners make informed financial decisions with confidence. Raised in a humble home by hardworking immigrant parents, Tony’s values of integrity, resilience, and service continue to shape his client-first approach.

Tony began his career in the financial services industry in 1996 and built a distinguished career with TD Ameritrade and Fidelity Investments. Through dedication and leadership, he advanced to managing multiple TD Ameritrade branch offices before serving as Regional Sales Director, where he mentored financial advisors and led business development across a multi-state territory. He later served as a Regional Planning Consultant with Fidelity Investments, partnering with advisors to develop sophisticated wealth management strategies for high-net-worth clients.

Today, Tony combines decades of institutional experience with the independence of a fiduciary advisor, helping clients preserve, grow, and confidently enjoy their wealth through personalized investment and planning strategies.

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Doug Maurer

Doug Maurer is a trusted financial professional known for his calm, thoughtful approach and commitment to guiding clients through life’s most important financial decisions. Raised in a hardworking family, Doug developed a strong work ethic and a practical understanding of
financial responsibility.

After earning a degree in Economics, Doug launched his career on the Chicago Stock Exchange, becoming a NYSE Specialist and NASDAQ Market Maker. There, he gained firsthand experience navigating volatile markets, developing the steady, analytical mindset he brings to clients today. He later spent years training and mentoring financial advisors at TD Ameritrade and Fidelity. Doug’s philosophy is built on transparency, clarity, and partnership. He simplifies complex financial concepts and works collaboratively with clients, offering honest guidance every step of the way. His goal is simple: provide a steady hand, build lasting relationships, and help clients achieve true financial confidence.

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Strategic Alliances

Clippinger Investments is a boutique real estate investment firm specializing in commercial and multifamily properties.

An investment firm focused on early partnerships with founder-led companies building transformative technologies across emerging industries.

Tyler ELLEGARD, CFA®

Senior Portfolio Manager, Gradient Investments, LLC

Tyler is a Senior Portfolio Manager at Gradient Investments, where he focuses on portfolio management, asset allocation, and investment research across multiple asset classes. He provides market insight and portfolio strategy to support client investment decisions. Tyler is a CFA® charterholder and has been featured in media outlets including Schwab Network, Reuters, and The Wall Street Journal.

keith gangl, CFA®

Senior Portfolio Manager, Gradient Investments, LLC

Keith joined Gradient Investments in 2018 and has more than 30 years of industry experience. Prior roles include senior portfolio manager for a large institutional asset management firm, managing a multi-billion-dollar portfolio. Keith is a CFA® charter holder, managed a Lipper Award-winning mutual fund, and has been featured in media outlets such as CNBC, Bloomberg, Investor’s Business Daily, Nasdaq and Reuters.

michael binger, CFA®

President, Gradient Investments, LLC

As President, Michael is the leader of Gradient Investments and has been with the firm since 2012. He brings more than 35 years of industry experience, including prior roles managing multi-billion-dollar portfolios for an institutional asset manager. Michael is a CFA® charter holder and is a frequent contributor on CNBC, Fox Business, Barron’s, and the Wall Street Journal.

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