The Changing World of Personal Finance

The world of personal finance is changing and some financial service firms are changing with it.  For the thousands of firms that don’t change to keep up with the trends; I fear they will slowly become obsolete in the years to come.  And for firms like mine, firms that are indeed changing with the times, the changes we are making are important, they are not minor and they are incredibly exciting.  For consumers who are wanting and needing this evolution in financial services, they will see changes in the quality and style of service that better addresses a new set of priorities.

I believe this stems from five significant changes in our society that will begin a new era for personal finance.  These shifts are lasting, they are unexpected and they will transform not only the financial services industry, but also personal finance for generations of working Americans.


Continue ReadingThe Changing World of Personal Finance

Government Shutdown commentary

Our clients have received a lot of confusing information about what is happening in the global markets, economies and governments. For many people, this confusion has led to an uncertainty about where to focus, when to be concerned, and when to simply shut out the “noise” of information overload. We have been getting many inquiries from our clients who are concerned about the federal government shutdown and the upcoming debt ceiling decision. In consideration of general investors’ experiences with the bear markets of 2000-02 and 2008, we understand their concerns, and we are happy to offer our thoughts.

We believe that a short-term government shutdown will have a minor impact on the economy, and at the same time, no one can accurately forecast the consequences of a default on our debt. It does not matter what an investor reads from widely dispersed articles or sees on TV shows; forecasting is impossible and futile. At a conference for financial advisors last week, several of the Kramer Financial staff heard an update from Bob Benmosche, who is President and CEO of AIG, regarding his meeting with President Obama on October 2nd. Mr. Benmosche was optimistic that both sides understand what is at stake as it relates to the debt ceiling and are determined not to allow a default to take place.

It is important to remember that major financial and economic crises have happened over the years. For example, the following crises (just to name a few) occurred*:


Continue ReadingGovernment Shutdown commentary
Adrianna Environmental B&W

Adrianna Rocha

Client Relations Specialist

240-379-6929 V
240-439-6889 VP
512-379-6909 FAX

Adrianna Rocha joined Kramer Wealth Managers in 2021.

Adrianna is responsible for client experiences and service. As part of the customer service team, she strives to help and provide top-notch service to our clients. As part of her role, she communicates with clients through videophone, schedules client meetings, prepares and processes forms, and gathers information for our advisors.

Adrianna Rocha graduated with a Bachelor of Arts in Communication Studies from Gallaudet University in 2017. Before she joined our team, she worked in the customer service industry for nearly a decade. She excels in human-to-human relations and takes pride in not only her own accomplishments, but her clients’ as well. Adrianna enjoys chatting about her slight obsession with dogs, houseplants, essential oils, and food: especially Mexican food! She is also a proud fur-mama to her beautiful Aussie-mixed pup, Ziva.

Adrianna is not registered with Osaic Wealth.