Kramer Financial provides access to the following services:

FINANCIAL SERVICES *

• Personal Financial Planning
• Estate Planning
• Retirement Planning
• Education Planning
• Fee-Based Planning
• Risk management and insurance planning
• Wrap programs
• Private money managers
• Asset allocation models and investment planning
• Mortgage Services ***

INVESTMENTS **

• Brokerage services
• Individual securities (stocks, bonds, treasury securities, etc.)
• Mutual funds
• Variable annuities

RETIREMENT PLANS

• 401(k)
• Deferred Compensation (non-qualified)
• Pension
• Roth IRA
• Traditional IRA
• TSA/403(b)
• Keogh
• SEP
• Simple IRA

BUSINESS SERVICES

• Business planning
• Business continuation
• Buy/sell agreements
• Non-qualified plans
• Salary continuation plans

LIFE INSURANCE

• Personal
• Key-person/business
• Survivorship (2nd-to-Die)
• Term
• Whole life
• Universal life
• Variable Universal life**
• Fixed Annuities

DISABILITY INSURANCE

• Income replacement
• Multi-life
• Buy-out (Business)
• Business overhead expense
• High limit

LONG TERM CARE

• Group
• Individual

TAX/ACCOUNTING ***

• Accounting
• Tax Planning
• Business Planning
• Valuation Services

LEGAL AND ESTATE PLANNING ***

• Wills
• Trusts (Revocable & Irrevocable)
• Charitable Giving
• Special Bequests

* - Advisory services offered through FSC Securities Corporation, a Registered Investment Advisor.

** - Securities offered through FSC Securities Corporation, a Registered Broker/Dealer and member FINRA/SIPC

*** - Service offered through independent strategic alliances/professional firms.

Securities offered through FSC Securities Corporation, a Registered Broker/Dealer firm and member FINRA/SIPC.  Securities licensed in the 48 continental United States and the District of Columbia.  RIA licensed in MA, MD, and VA through FSC Securities, a Registered Investment Advisor.   Kramer Financial is not affiliated with FSC Securities Corporation or registered as a Broker/Dealer or Investment Advisor.