Turn to us for guidance,
clarity, and comfort.
We serve a select group of loyal clients who value our listening skills, knowledge, analytical ability, and deep caring.
Who We Help
Outstanding women and (when requested) their adult children tap into our far-reaching experience and extensive knowledge base to help grow their wealth and protect their legacy.

Our Team
Howard A. Kramer
CERTIFIED FINANCIAL PLANNER™
Accredited Investment Fiduciary®

For over 30 years, Howard has built a reputation as a personal confidante and a trusted advisor who clarifies issues and works to resolve financial concerns that often cause conflict in relationships. HOWARD – striving to Help Outstanding Women Achieve Results Desired. He has a select following of loyal clients who value his listening skills, knowledge, analytical ability and deep caring.
Howard brings many years of business and life experience outside of financial planning and provides advice, counseling, and coaching as an Investment Adviser Representative. He is also a licensed insurance agent. Howard has been affiliated for over 23 years with Commonwealth Financial Network®.
Howard is a sought-after speaker on issues relating to Money in Relationships and has been quoted in the Miami Herald, Sun-Sentinel, Investment News and Money Magazine. Howard has served on numerous community and business boards, including in 2010 as Chairman and immediate Past - President of the Broward chapter of the Financial Planning Association. In his spare time, Howard loves to build things, garden, golf, travel, and have fun with with his family and rescue dog, Charlie. Howard and his wife Meryl reside in Plantation, Florida.

Meryl Kramer
Client Relationship Manager
For 40 years, Meryl has been the inspiration and benefactor of Howard's passion for helping women in transition. As a young widow with a 10 month old, Meryl learned how plans and life can suddenly change. Meryl is an accomplished Realtor, and she is a fierce negotiator. Meryl currently serves as the President of her homeowners' association. Meryl's favorite activity is having fun with her grandchildren.