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.

​Financial Planning

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.

​LifeGuide Services


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.

Financial Management Services

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

​Our Approach

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®

Accredited Investment Fiduciary®

About Us