Lee Kramer, CFP®, CEA, CFS, CDFA^TM, RFC, MBA
Financial Advisor

240-439-6889 (VP) • 240-379-6929, ext. 302 (V) • 800-344-5331 (TTY)

Lee Kramer is the founder of Kramer Financial. After graduating from Wesleyan University in Connecticut, Lee earned his MBA from Northeastern University. Since his start in 1985, he has been a leader in his company and has repeatedly been recognized with various industry awards. Lee has been involved with many professional organizations including the Financial Planning Association and the National Association of Insurance and Financial Advisors. He is also committed to serving the community and has served on the board for various non-profit and community organizations including his current service as a board member for the Maryland School for the Deaf Foundation.

In his spare time, Lee enjoys training for marathons and has seven marathon finishes under his belt, including one 50-mile ultra marathon. But most of all, Lee enjoys spending time with his wife, Bonnie, their two teenage sons, and their two dogs.

Lee Kmraer is a Financial Advisor offering securities and investment advisory services through FSC Securities Corporation.

Dave Frank, RFC, MBA, DBA
Financial Advisor

240-575-2326 (VP) • 800-971-9926 (V) • 877-423-0060 (TTY)

In 1998, Dave joined Kramer Financial to help meet the high demand for our services in the southern part of the states and the mid-west. After graduating cum laude from University of Massachusetts-Amherst, Dave earned his Master of Business Administration (MBA) degree from University of Massachusetts-Boston. Then in March 2010, Dave became the first deaf financial advisor to earn a Doctorate when he graduated from California Coast University with his Doctorate in Business Administration (DBA).

He is also a Registered Financial Consultant (RFC) designee and has been involved with industry organizations such as the National Association of Insurance and Financial Advisors and the Million Dollar Round Table. Dave enjoys community involvement and has had the pleasure of serving as a volunteer coach and administrator for various deaf sports organizations.

His favorite pastime is watching his three children participate in sports and other athletic activities. He and his wife Audrey also enjoy family ski trips with their children.

Dave Frank is a Financial Advisor offering securities through FSC Securities Corporation.

Danny Lacey, RFC, MS
Financial Advisor

512-410-0739 (VP) • 866-588-7345 (V) • 866-451-2224 (TTY)

Danny joined our firm in 2001 to help meet the high demand in the western part of the country and currently manages our Austin, TX office. After graduating with honors in the College of Social Studies (Economics and Government) from Wesleyan University in Connecticut, Danny received his MS in Administration and Supervision from Gallaudet University. Danny is a devoted community volunteer and is current President of the Texas School for the Deaf Foundation.

Danny is an avid sports fan and has enjoyed coaching basketball at the high school and college level in the past. But his true passion is spending time with his wife, Debbie, and his two young children.

Danny Lacey is a Financial Advisor offering securities and investment advisory services through FSC Securities Corporation.

Stephanie Summers, RFC, MBA
Financial Advisor

240-575-2330 (VP) • 877-655-1227 (V) • 888-837-9098 (TTY)

Stephanie joined Kramer Financial in 2006 as the first deaf female ever to hold a Series 7 General Securities Registration. She is a valuable asset to the team, especially to those clients seeking a female financial advisor. Stephanie received her BS degree from Gallaudet University and her MBA from George Mason University.

Stephanie has a strong desire to see more deaf women empowered to broaden their financial literacy and take charge of their personal finances. She serves as a board member for Deaf Women United and is actively involved with other community organizations.

Stephanie and her husband Mark spend most of their time involved with the many activities that their twin boys are involved in from sports to boy scouts to karate.

Stephanie Summers is a Financial Advisor offering securities and investment advisory services through FSC Securities Corporation.

Lisa Dewing, NIC-A
Operations Manager

240-379-6929, ext. 301 (V) • 240-439-6889 (VP) • 800-344-5331 (TTY)

Lisa started with Kramer Financial in October 2000 while still enrolled at CCBC- Catonsville in the Interpreter Preparation program. After graduating there with her A.A.S. degree, she later became a nationally certified interpreter when she received her RID NIC-Advanced designation. She also went on to be Series 7 and Series 66 Registered as well as obtain her Maryland Life and Health insurance license.

Lisa's responsibilities are as diversified as some client's portfolios. She oversees all operations and acts as our client relations manager, compliance manager, staff interpreter, and office manager along with many smaller details such as handling technical issues and human resources, among others.

Lisa is actively involved in her church and offers many volunteer interpreting services to the Frederick community in addition to some free-lance interpreting. She and her husband, Jamie enjoy watching their son, who was born in 2008, grow and change quickly!

Lisa Dewing is a Registered Assistant with FSC Securities Corporation.

Belinda Milligan
New Business Administrator

240-379-6929, ext. 304 (V) • 240-439-6889 (VP) • 800-344-5331 (TTY)

Belinda Milligan joined in May 2007. After graduating from the University of South Florida with her Bachelors Degree in the Deaf Interpreting Program and also has an extensive work history in the financial services industry.

She works diligently with our advisors to analyze the information gathered from client meetings. She crunches the numbers and prepares the reports used to complete the analysis so we can be in a better position to make recommendations for each client. In addition, she is responsible for all the new business preparation making sure that all the necessary forms are completed correctly to effect transactions per each client's wishes. She is also a great asset to the customer service team helping to provide top notch service to our clients.

When Belinda is not hanging out with her two active boys, she keeps very busy volunteering her time at a local Deaf-Blind camp and for various chapters of the Registry of Interpreters for the Deaf (RID).  

Belinda Milligan is not registered with FSC Securities Corporation.

Cherie Zendarski
Customer Service Representative

240-379-6929, ext. 307 (V) • 240-439-6889 (VP) • 800-344-5331 (TTY)

Cherie Zendarski is the newest addition to our team, joining in July 2009. She works part-time, assisting Lisa and Belinda on all aspects of customer service. Cherie assists in answering the phones, preparing client files prior to meetings, and updating client records such as new addresses, bank changes, and beneficiary changes. In addition, she provides other general office support.

In January of 2009, she moved from California, along with her husband of 22 years, Dean, their three children, and two dogs. Cherie is currently a full-time college student, in addition to working part-time, with aspirations of teaching elementary school. In her free time, you can find Cherie enjoying one of her many hobbies, such as painting modern art or writing poetry and children’s stories.

Cherie Zendarski is not registered with FSC Securities Corporation