Alan J. Kramer,
Financial Services Professional
(888) 271-1701
Welcome to my web site! My name is Alan Kramer and my objective is to help provide you with the information you need to protect your financial future.
I am a financial service professional with over 30 years experience in both the family and business markets. I specialize in providing insight, strategies and solutions to help protect you, your family and/or business. All of my clients share one common thread: A concern for their own and their family's financial future.
A sound financial strategy will help keep children and other family members moving forward in the case of a death or disability. Not having a plan can have dire consequences on your finances and greatly affect the quality of life for you, your family or business.
When it comes to Retirement planning, many are not where they should be. There are multiple risks that should be planned for but are not. Market Risks, Inflation, Long Term Care disabilities and the biggest risk of all, Longevity which is a risk multiplier. Let's talk to see how we can mitigate some of these risks and make your income last as long as you do.
We work with Individuals, families and businesses by planning in the following areas;
* Pre-Retirement and Retirement- Clients concerned with outliving their assets
* Life and Disability Insurance
* Long Term Care Insurance
* Investment Planning3
* Fixed2 and Variable Annuities3
* Estate Planning Funding
* Employee Benefits, Key Person Insurance and Buy-Sell Funding
Credentials
CLTC-Certified in Long Term Care Designation
Licensed Life and Health Insurance¹ agent
Member of the Million Dollar Round Table (MDRT)** (1999 - 2024)
FINRA Series 6 and 63 licensed
1. Products available through one or more carriers not affiliated with New York Life
2. Issued by New York Life insurance and Annuity Corporation
3. Securities offered through NYLIFE Securities, LLC
** The Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals, is recognized globally as the standard of excellence for life insurance sales performace in the insurance and financial services industry
Articles
Having control over your day-to-day finances
Money is personal, and emotional, but it doesn’t have to be scary. Understanding how your day-to-day finances and your emotions are connected can help you take more control of your financial situation.
Easy steps for starting a "surprise" fund
Surprises happen, and they can get very expensive. Whether you have a "surprise fund" already or not, these easy steps can help you feel secure and prepared for any future surprise expenses.
Budgeting for a non-budgeter
Budgeting doesn’t have to be a scary word. Take the fear out of budgeting with these simple tips, tricks, and ideas to help even a beginning budgeter get started.
Should you combine your finances after getting married
Whether or not to tie your finances together after you’ve tied the knot is a big question for all newly married couples. Here’s what you need to consider before making the decision.
5 things to do after divorce to help build financial freedom
Divorce is a reality that half of married couples will face in their lifetime—it’s an emotionally challenging time for most, but bringing a thoughtful approach to your finances throughout the process can ensure that you come out on the other side prepared for your new life.