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Office: 954-424-2487

941 South West 88 Terrace

Plantation, FL 33324

howard@howardkramer.com

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

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H.A. Kramer & Associates, PA 941 SW 88 Terrace, Plantation, FL 33324 | P 954.424.2487

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Advisory services offered through Commonwealth Financial Network^®, a Registered Investment Adviser.

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Form CRS: Client Relationship Summary

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