We’re a team that’s got you covered.
We offer comprehensive wealth management services tailored to grow with you and your family every step of the way.

What We Do

Our three service levels—Financial Planning, Investment Management, and Comprehensive Wealth Management—align with the financial milestones in your life. Whether you’re just getting started, growing your wealth, or protecting what you’ve built, we’re here with the guidance, tools, and support to help you move forward with clarity and confidence.

Financial Planning

Get a clear, personalized roadmap for your goals.

Includes:

  • Goal setting (home purchase, education, retirement, etc.)
  • Cash flow analysis
  • Retirement planning (accumulation and distribution)
  • Insurance strategies (Life, Disability, Long Term Care)
  • Education funding
  • Investment and asset allocation analysis
  • Tax analysis and mitigation strategy
  • Estate, Inheritance, and Legacy Planning strategies

*Flat fee for complete financial plan starting at $1,800 depending on plan complexity. Project-based consulting is also available.

Investment Management

Grow and manage your assets with intention.
Includes:

  • Risk tolerance evaluation and risk/reward analysis
  • Custom investment portfolios
  • Active account management
  • Periodic performance reviews
  • Tax-efficient strategies for investments

$100,000 minimum for investment management services only. Minimum may be waived for certain dedicated accumulation plans.

Comprehensive Wealth Management

A full-service partnership combining both Financial Planning + Investment Management

Includes everything listed in both categories and more—built around your goals, supported by our entire advisor team, and continuously updated as your life evolves.

$250,000 minimum for comprehensive wealth management services.

Additional Services

Federal Employees

  • In-depth benefits analysis
  • Retirement options and planning
  • Ongoing Education

Business & Organizations

  • Endowment management
  • Employer-sponsored retirement plans
  • Group insurance (life, LTC, disability)
  • Financial education seminars & materials

Is Now The Right Time To Contact Kramer Wealth?

We support you through every stage of life-whether you’re just starting to invest, growing your family, or planning for retirement. At Kramer Wealth, we’re here to grow with you.

  • You are planning for retirement
  • You are ready to start investing your savings
  • You want to communicate with your financial advisor in ASL
  • You received an inheritance or unexpected wealth
  • You want a personalized Wealth Management Plan
  • You are thinking about your growing family’s security
  • You want a second opinion on your investment portfolio
  • You are changing jobs and want to understand the impact on your finances
REQUEST A CONSULTATION
MEET THE TEAM

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Maryland Office

9099 Ridgefield Drive Suite 101
Frederick, MD 21701

VP: (240) 439-6889
Voice: (240) 379-6929
Fax: (240) 379-6909

Texas Office

611 S. Congress Ave. Suite 440
Austin, TX 78704

VP/Voice: (512) 410-0739
Fax: (512) 692-2990

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*Securities and Investment Advisory Services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth.  Traditional/Fixed Insurance offered through Kramer Wealth Managers which is not affiliated with Osaic Wealth. This communication is strictly intended for individuals residing in the United States. No offers may be made or accepted from any resident outside of the United States. Neither Osaic Wealth, nor its registered representatives, offer tax ore legal advice. For assistance with these matters, please consult your tax or legal advisor.

** Some services offered through independent strategic alliances/professional firms.

*** The securities products and services offered or provided by Osaic Wealth are not being provided or offered on behalf of the Federal Government.The offer of such securities is not sanctioned, recommended, or encouraged by the Federal Government. Osaic Wealth and Kramer Wealth Managers are not endorsed by or affiliated with the Federal Government.

This communication is strictly intended for individuals residing in the United States. No offers may be made or accepted from any resident outside the United States.

FSC Securites Corporation is now Osaic Wealth, Inc. Any reference to FSC Securites Corporation within these files should be disregarded.

IMPORTANT CONSUMER INFORMATION
A broker-dealer, investment financial professional, BD agent, or IA rep may only transact business in a state if first registered, or is excluded or exempt from state broker-dealer, investment adviser, BD agent, or IA registration requirements as appropriate. Follow-up: individualized responses to persons in a state by such a Firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion. For information concerning the licensing status or disciplinary history of a broker-dealer, investment, adviser, BD agent, or IA rep, a consumer should contact his or her state securities law administrator.

PLEASE NOTE: The information being provided is strictly as a courtesy. When you link to any of the websites provided here, you are leaving this website. We make no representation as to the completeness or accuracy of information provided at these websites. The company is not liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, websites, information, and programs made available through this website. When you access one of these websites, you are leaving our web site and assume total responsibility and risk for your use of the websites you are linking to.

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