Helping You Navigate Complex Life Transitions
For 35 years, H. A. Kramer & Associates has provided planning, guidance, and ongoing financial management to help our clients handle whatever comes their way.
H.A. Kramer & Associates | Fiduciary Advice LifeGuide Services
Fiduciary Planning so You’re Fully Prepared
We’re here to help you organize and optimize your financial life. And as a fiduciary, we are bound both legally and ethically to act in your best interests. We want to be the first call you make when something important happens, giving you guidance, support, and solutions to overcome challenges and achieve your life's goals.
Financial Planning that’s Totally Personalized
The pathway to your financial future starts with a personalized plan. From determining your specific financial objectives to general life goal planning, we’ll work closely with you to create a comprehensive, long-term plan tailor-made to your unique circumstances.
Life Planning Gives You Next Level Support
Once you have your Financial Plan, we can provide next level support through our LifeGuide Services, which provides help with all aspects of your life, from cash flow, to document management, to health and wellness. You can count on highly personalized advice, guidance, and ongoing advocacy.
Financial Management to Help You Feel Confident
Our Financial Management Services range from developing a tax-aware investment management strategy to ongoing monitoring of your portfolio(s) performance, all through a comprehensive selection of low-cost financial products and competitive management fees.
Earning Your Trust with Enduring Commitment
Our philosophy is to earn your trust by providing dedicated support day in and day out, giving you our undivided attention and the comfort of knowing we’ll be there when you need us.
Trusted Advice
Structured Plan
Personalized Support
Monthly Goals
A Reliable Confidante to Help Protect Your Interests
We exclusively serve maturing clients, often along with their children, who want to grow and protect their wealth as well as their legacy.
Howard A. Kramer, CFP®, AIF®
CERTIFIED FINANCIAL PLANNERTM Practitioner
Accredited Investment Fiduciary®
