Kramer Wealth Managers
Envision your future with us. We're not just advisors, we're partners in guiding your financial journey. Clear, compassionate, unbiased advice awaits.
Money doesn’t come with an owner’s manual
That's why, for more than 25 years, people have turned to Kramer Wealth Managers for solid financial advice and guidance through fluctuating market conditions. We take an in-depth look at every aspect of your financial management needs to guide you in choosing the best path. With four deaf financial advisors fluent in American Sign Language, four full-tim
11/11/2024
Today, we express our deepest gratitude to those who have bravely served our nation.
08/11/2024
Rebalancing your portfolio can help keep your investments on track with your goals. Here’s a step-by-step look at how rebalancing can benefit you!
Ready to take control of your finances? Schedule a consultation with Kramer Wealth Managers today!
Image description:
Slide 1: The image features a red book cover with the title “Portfolio Rebalancing” in bold white font. Underneath the main title, there is a subtitle in smaller white text that reads: “Time to realign your investments for long-term growth. Here’s why rebalancing is crucial!” At the top of the cover is the Kramer Wealth Managers logo.
Slide 2: The image features a white background with a bold red banner at the top with the text “Why Rebalance?” in a large white font. Below the banner, there is a brief explanation in black text: “Rebalancing keeps your portfolio aligned with your risk tolerance and financial goals.” At the bottom of the image, there is an icon of a document with a red signature,alongside a few sharpened red pencils.
Slide 3: The image features a white background with a bold red banner at the top with the text “When to Rebalance?” in a large white font. Below the banner, there is a list of three bullet points in black text:
Significant market shifts
Change in financial goals
Major life events
At the bottom of the image, there are icons of a baby onesie, interlocking rings, and an upward graph arrow, alongside a few sharpened red pencils.
Slide 4: The image features a white background with a bold red banner at the top with the text “How to Rebalance?” in a large white font. Below the banner, there is a list of three bullet points in black text:
Assess your current allocation
Determine ideal asset mix
Buy/sell to align your portfolio
At the bottom of the image, there are icons of a lightbulb and a pie chart, alongside a few sharpened red pencils.
Slide 5: The image features a red book cover with the Kramer Wealth Managers logo displayed on the top. In the center of the image, there's a white overlay featuring the bold heading “Key Takeaway” in red text. Beneath this, a short description reads: “Regular portfolio rebalancing helps you stay on track for your long-term financial goals.” The text is framed within a thin red border.
07/11/2024
Stocks edged lower in October amid pre-election jitters and solid Q3 earnings reports, while investors kept a close eye on economic data pointing to a potential "soft landing."
Monthly Market Insights | November 2024 Monthly Market Insights | November 2024 U.S. Markets Stocks fell in October as pre-election jitters hung over trading while solid but not spectacular Q3 corporate reports failed to buoy spirits. The Dow Jones Industrial Average fell 1.34 percent, while the Standard & Poor’s 500 Index (S&P 500) sli...
When it comes to financial information, what’s myth and what’s fact? 💰
Operations Manager Lisa shares how life insurance can be misrepresented as an investment.
When it comes to your long term financial goals, let’s explore which type of investment is right for you. Contact us today!
Transcript: “Myth: Life insurance, such as Whole Life, UL, or IUL, is a great way to invest for retirement or education. Fact: Not true. Life insurance is designed to provide protection in the event of the death of the insured, providing funds to their family. For retirement, education, or long-term investing goals, there are far better choices. 401(k)s, TSP, Roth IRAs, IRAs, ABLE plans, and many more, are all choices that are better suited for long-term investing.”
Video description: In the video, Lisa, a white woman wearing a light green top, is shown signing in front of a solid white background. A red sticker with a white stroke spells out 'MYTH,' while captioning text pops up in black and white underneath. The scene transitions to 'FACT' with a glitch effect as Lisa explains the truth to debunk the myth. The video concludes with an animated bumper featuring curved lines in red and white, with the Kramer Wealth Managers logo in the center. Additionally, the video lists the social media handles and includes disclosure text at the bottom.
25/10/2024
We’re excited to attend the Osaic ConnectEd Conference in Orlando this year! 🗓️
From October 27-30, 2024, financial professionals from around the country will be connecting, learning, and growing.
We always bring back the latest market insights and industry trends. Start planning your future with Kramer Wealth Managers today!
Image description: The image shows a picturesque view of the Orlando skyline, with tall buildings reflecting off a calm lake, surrounded by autumn-colored trees. At the top of the image, in large white text, is the word "CONNECTED", with the letters "ED" in bold. The "O" in "CONNECTED" features a graphic of an orange, symbolizing Florida. Below the title, the text reads: "October 27-30, 2024 | Orlando, FL". At the bottom of the image, the logos for "Osaic" (on the left) and "Kramer Wealth Managers" (on the right) are displayed.
Credentials matter with financial professionals! Choosing the right financial professional is key to your financial success.
Financial advisors & planners, tax professionals, estate attorneys, and insurance agents & brokers–what do they do?
Read our blog at kramerwealth.com/resources/vlogs/ to learn what to look for when selecting the best partner for your financial journey!
Transcript: This is why credentials matter. Financial advisors are held to fiduciary standards, meaning they’re legally obligated to act in your best interest. Individuals with licenses like the Series 6 or 7 can only sell investment products, but are not allowed to provide investment advice. If you encounter someone calling themselves a financial consultant or a financial professional without specific credentials, be cautious. These individuals may be offering products for profit, and can’t offer advice tailored to your financial needs.
Video description: In the video, Jeremiah, a white man wearing glasses and a dark polo top, is shown signing in front of a solid white background. The captioning text pops up in black and white as Jeremiah is signing. The video concludes with an animated bumper featuring curved lines in red and white, with the Kramer Wealth Managers logo in the center. Additionally, the video lists the social media handles and includes disclosure text at the bottom.
17/10/2024
👋 Say hello to the newest members of Osaic's Women's Advisory Board:
Anne Kraljic, Vision Financial Services
Lisa Dewing, Kramer Wealth Managers
Lisa Doherty, Advisor's Advantage Network
Mindy Zatta, IronBridge Wealth Counsel
MJ Dluzak, Dluzak & Associates, Inc.
Nina Lloyd, Opus Financial Advisors, Inc.
We also welcome existing Women’s Advisory Board member, Tricia Carter Wood, as incoming board chair.
The Women’s Advisory Board is dedicated to providing insight and feedback regarding efforts to advance Osaic’s community of women Financial Professionals.
17/10/2024
Is your cash losing its value?
Having excess cash in the bank can lead to loss in purchasing power over time, especially with inflation.
We can help. Let’s talk about smarter ways to grow your money and make the most of your financial opportunities. Contact us today!
Image description: The image features a backdrop of a city building with large text blocks in the foreground. At the top, a bold red banner displays the white text: "CASH STASH or CASH TRAP?". Below, a question in black text reads: "Is holding onto excess cash in the bank a good idea?". Underneath, there’s a text that reads "Watch out for:", followed by two bullet points: Diminished purchasing power; Missed investment opportunities. To the right of the bullet points is an icon of a bank building alongside a stack of dollar bills. The Kramer Wealth Managers logo is positioned at the bottom-right corner.
15/10/2024
These opportunities are unique to people with disabilities. From ABLE accounts to SSDI benefits and more, explore how they can enhance your financial planning.
Let’s plan together. Reach out to Kramer Wealth Managers today!
Image description:
A carousel of 6 graphics with a black background featuring a red-orange element.
Slide 1: The heading reads: “FINANCIAL PLANNING FOR THE DEAF: Unique Strategies For Deaf People," with the Kramer Wealth Managers logo centered at the top-left.
Slide 2: The subheading reads: "ABLE Accounts," followed by the description: "Tax-free growth for qualified living expenses. Maintain public assistance eligibility." Below are icons representing growth and health.
Slide 3: The subheading reads: "Early SSDI Retirement," with the description: "Opt for SSDI for early retirement benefits. Avoid waiting until Full Retirement Age." Below is an icon of a drink in a glass.
Slide 4: The subheading reads: "Medicaid Lookback Waiver," with the description: "Gift to disabled children without Medicaid penalty. Support your family's future." Icons of a family and baby cloth are shown below.
Slide 5: The subheading reads: "IRA 10-Year Rule Waiver," followed by the description: "Inherited IRA 10-year rule waiver and maximize inherited IRA fund growth." Icons related to finance are displayed below.
Slide 6: The subheading reads: "Plan Smart, Live Well," followed by the description: "Customize your strategy with our help. Contact us to explore your options." The bottom features the Kramer Wealth Managers logo with the tagline: "Envision your future."
10/10/2024
Each of our financial professionals brings a wealth of knowledge and experience to help you plan your financial future.
Certifications & Credentials:
CFP®: Certified Financial Planner – Ensures comprehensive financial planning expertise.
ChFEBC℠: Chartered Federal Employee Benefits Consultant – Specializes in federal employee benefit programs.
MSPFP: Masters in Personal Financial Planning – Advanced knowledge in financial strategies.
RFC: Registered Financial Consultant – Qualified to offer financial services
DBA: Doctor of Business Administration – Top-level business and financial insight.
MBA: Master of Business Administration – Expertise in financial management and business strategy.
MS: Master of Science – Focused on technical and analytical financial skills.
BA: Bachelor of Arts – Strong foundational understanding in various disciplines.
BS - Bachelor of Science - Provides a strong foundation in scientific principles and analytical skills, applicable to diverse financial and business disciplines.
NIC-A: National Interpreter Certification-Advanced – Specialized communication expertise in diverse settings.
Series 6: Investment Company and Variable Contracts Representative – Licensed to sell mutual funds and annuities.
Series 7: General Securities Representative – Broad securities licensing, enabling trading in stocks, bonds, and more.
Series 24: General Securities Principal – Authority to oversee and manage securities firms.
Series 63: Uniform Securities Agent – Licensing for state securities laws compliance.
Series 65: Investment Adviser Representative – Qualified to offer investment advice.
Series 66: Combined State Law Exam – Integrates Series 63 and 65 for comprehensive advisory capabilities.
Life/Annuity License: Licensed – Qualified to provide life insurance policies to clients.
Ready to work with a team of seasoned financial professionals? Contact us today!
08/10/2024
Did you know we’re also on LinkedIn (Kramer Wealth Managers) and Instagram ()?! Follow us there and never miss out!
Whether you’re scrolling through Instagram, checking in on Facebook, or networking on LinkedIn, we’ve got you covered.
Follow us for the most current financial tips, client success stories, and the latest updates from our team.
Don’t miss out – hit that follow button and join our community!
Image description: The image features a bold header at the top with white text that reads, "STAY INFORMED, STAY AHEAD" against a black background. Below the header are three red social media bars, each displaying icons and URLs for different platforms: 1. Instagram: instagram.com/kramerwealth (with an Instagram logo). 2. Facebook: facebook.com/KramerWealthManagers (with a Facebook logo). 3. LinkedIn: linkedin.com/company/kramer-wealth-managers (with a LinkedIn logo). The bottom half of the image displays a partial view of a laptop keyboard on the left, a black smartphone on a red notebook, and a yellow pencil. The notebook features the Kramer Wealth Managers logo in white with the tagline "Envision your future.
04/10/2024
Q3 saw a Fed-fueled rally, but what's next? Our Quarterly Market Insights for October explores the latest economic indicators and what investors may be talking about in Q4.
Quarterly Market Insights | Q3 2024 Quarterly Market Insights | Q3 2024 U.S. Markets Investors welcomed the Fed’s decision regarding short-term interest rates, causing stocks to post solid gains in the third quarter. The Dow Jones Industrial Average, which dipped in Q2, picked up 8.21 percent for the third quarter. The S&P 500 Index...
03/10/2024
If a person waits until age 70 to start collecting Social Security, how much higher will their benefit be compared to starting early at age 62?
Did you know the answer is 77% more? By waiting, you could see a significant boost in your monthly payments.
Smart financial planning can help you make the most of your Social Security benefits and safeguard your future. Let Kramer Wealth Managers guide you toward a strategy that maximizes your retirement income.
A carousel of 3 graphics with a background featuring an image of a laptop in a working space.
Slide 1: At the top, a white banner with bold red text reads "QUESTION." Below, the text asks: "If a person waits until age 70 to start collecting Social Security, how much higher will their benefit be compared to starting early at age 62?" Four answer options follow in bold white font: "A. 30% more, B. 50% more, C. 77% more, and D. 100% more (double)." A red arrow at the bottom right indicates the next slide.
Slide 2: At the top, a red banner with bold white text reads “C. 77% MORE”. Below is an explanation that states: "Starting Social Security at age 62 results in a 30% reduction in benefits, while waiting until age 70 increases benefits by 8% each year after full retirement age. The result? A 77% increase in monthly payments at age 70. Additionally, the annual cost-of-living adjustments (COLA) apply throughout, potentially raising the total amount even further."
Slide 3: The Kramer Wealth Managers logo appears at the top, followed by the slogan "ENVISION YOUR FUTURE" in bold red font. At the bottom is the website: "www.kramerwealth.com."
02/10/2024
As we welcome the new year, may it be filled with joy, health, and prosperity for you and your loved ones. Wishing you a wonderful new year!
When it comes to financial information, what’s myth and what’s fact? 💰 Financial Advisor Stephanie shares why you shouldn't fear losing your home with nursing home care!
With expert guidance, you can access care without sacrificing your assets. Let's protect your estate and ensure your long-term care needs are met with dignity
Connect with us at Kramer Wealth Managers today for expert guidance and support!
Transcript: Myth: If I go into a nursing home, they will take my house away. Fact: Not true. Nursing homes do not take houses. There are many different ways that nursing home care can be paid for, including Medicaid if you are not able to pay for your own care. Although Medicaid eligibility rules are complex and vary by state, in most cases, you do not need to sell your home to qualify for Medicaid.
VD: In the video, Stephanie, a white woman wearing glasses and a bright pink top, is shown signing in front of a solid white background. A red sticker with a white stroke spells out 'MYTH,' while captioning text pops up in black and white underneath. The scene transitions to 'FACT' with a glitch effect as Stephanie explains the truth to debunk the myth. The video concludes with an animated bumper featuring curved lines in red and white, with the Kramer Wealth Managers logo in the center. Additionally, the video lists the social media handles and includes disclosure text at the bottom.
19/09/2024
Dave Frank, one of our dedicated Financial Advisors, traveled to Taipei, Taiwan, over the summer where he served as Head Coach of the USA Deaf Track and Field Team at the 2024 World Deaf Athletic Championships!
Our team doesn’t just work hard—they give back to the community and participate in events that make a difference.
Learn more about us at kramerwealth.com.
Image Description: Slide 1: Two people, wearing matching red polo shirts embroidered with "USA" and white hats, are cheering and leaning towards each other.
Slide 2 and 3: A group photo of the USA team, both seated and standing, smiling in front of a large banner that reads "Taipei 2024,World Deaf Championships 2024."
17/09/2024
Working with a financial advisor isn’t just about picking investments. When you work with Kramer Wealth Managers, you get the help of a professional advisor along with experienced insights and personalized plans.
Read our blog post to learn more: https://kramerwealth.com/benefits-of-working-with-a-financial-advisor-your-path-to-financial-freedom/
Ready to take control of your finances? Schedule a consultation with Kramer Wealth Managers today and start your journey to financial success! 💼✨
Meet some of the faces at Kramer Wealth Managers! We asked them, what’s your favorite personal finance reading material?
• "Mind Over Money" by Brad Klontz and Ted Klontz
• "The Behavior Gap: Simple Ways to Stop Doing Dumb Things With Money" by Carl Richards
• "Simple Wealth, Inevitable Wealth" by Nick Murray
• Wall Street Journal
• "Prince Charming Isn't Coming: How Women Get Smart About Money" by Barbara Stanny
We work hard to stay updated on the latest news as well as time-tested strategies, and use the knowledge to advise our clients.
Get started on your financial journey with us at kramerwealth.com!
Video Description: The video begins with white text appearing in the top center: "Favorite Financial Readings." The rest of the video is a montage of KWM employees sliding in from the side as their favorite financial reading material appears on the other side.The Kramer Wealth Managers logo remains static in the bottom left corner, and the clip concludes with the disclosures text.
Invest With Vision
We are the people you can count on to be here to help you explore and find strategies that align with your goals. With four deaf financial advisors fluent in American Sign Language, five full-time staff, and two office locations, we serve clients in all 50 states.
At Kramer Wealth Managers, our mission is to differentiate ourselves in the financial services industry by taking the role of wealth manager to a new level. We are specialists in helping families and individuals understand, plan and then act on their goals and dreams. Our process involves intimate conversations, the considerable responsibility of looking after a family’s wealth, and with being a resource for whatever questions or needs may arise.
When is it time to contact Kramer Wealth? Our services are designed to support our clients throughout the different stages of financial planning throughout a lifetime. Whether you are just starting to invest, growing your family, or thinking about retirement, we are here to grow with you. Take the first step toward financial independence by contacting Kramer Wealth Managers today.
Visit our website at www.kramerwealth.com
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