Ralph Urena, LL.M., CFP®, CPWA®

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Ralph Urena is the founder of Temper Private Wealth, where he partners with successful business owners, executives, and multi-generational families to help them navigate complex financial decisions with clarity, discipline, and intention.

Drawing from a diverse background in law, cross-border wealth planning, and private practice advisory, Ralph brings a highly strategic, values-driven perspective to wealth management. He specializes in guiding clients through pivotal life and business transitions, such as preparing for a business exit, planning generational wealth transfers, and coordinating multi-advisor financial and tax planning strategies. His Ironclad Financial Plan® integrates sophisticated planning techniques with a deeply personal process centered on long-term stewardship and integrity.

Ralph is both a CERTIFIED FINANCIAL PLANNER™ (CFP®) professional and a Certified Private Wealth Advisor® (CPWA®) professional. These designations reflect his commitment to delivering comprehensive, fiduciary-based planning tailored to the unique needs of high-net-worth individuals and families. He completed the Wealth Management Theory & Practice program through the Yale School of Management, administered by the Investments & Wealth Institute®, gaining advanced expertise in tax mitigation, estate planning, business exit strategy, and multigenerational legacy structuring.

A strong believer in giving back, Ralph is actively involved in the community. He serves on the Connections Board for Junior Achievement of Tampa Bay, volunteers as a mentor through Big Brothers Big Sisters, and regularly supports local charitable causes that align with his values of family and opportunity.

Ralph lives in Tampa Bay, Florida with his wife Michelle and their daughter Sabrina. Outside the office, you’ll often find him playing golf, grilling with friends and family, supporting youth sports, or getting involved in local philanthropic events.