Kramer Investment Advisors, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Kramer Investment Advisors provides advisory services by selecting and referring third‑party money managers and by offering financial planning at no additional charge. The firm’s ADV notes it can serve individuals, trusts, retirement plans and institutions, but the brochure also states the firm does not provide continuous portfolio management and reported no managed client assets as of the brochure date.
The firm’s role is primarily as an intermediary: it evaluates third‑party money managers’ performance, methods and suitability, assists clients with onboarding and serves as a liaison, while leaving portfolio implementation and trade execution to the TPMMs. Kramer does not execute trades, does not accept discretionary trading authority, and relies on TPMM model portfolios and wrap programs rather than performing individual‑security analysis itself.
Noteworthy distinctions include formal affiliations under common ownership with an accounting firm and a separate insurance agency, and key personnel who are licensed CPAs and insurance producers; the brochure discloses that these relationships can create custody considerations (through accounting clients’ signatory arrangements) and may give rise to commission compensation from insurance sales. The firm also does not bill clients directly on a percentage‑of‑assets basis and discloses it will receive a portion of TPMM or wrap fees — a business structure that differs from the typical direct asset‑management advisor.
Client services
Fee options
Ronald Kramer and Kramer Insurance Services, Inc. earn commission-based compensation for selling insurance products; commissions are separate and in addition to advisory fees.
Main office
115 S. Topanga Canyon Blvd., Suite K
Topanga CA 90290
Advisors at this office
2
Most active in
California · Texas
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Advisors at this firm
Max K
Series 65, Series 63
Topanga, CA
Kramer Investment Advisors, Inc.
Max Kramer is a financial advisor at Kramer Investment Advisors, Inc., holding Series 65 and Series 63 credentials with 10 years of industry experience. He has worked at Kramer Investment Advisors since 2015. Outside of his advisory role, he is also a financial executive involved with fixed insurance products, including life and annuities, at Trilogy Financial Services. Kramer Investment Advisors provides advisory services primarily by selecting and referring third-party money managers and offering financial planning without additional charges. The firm serves individuals, trusts, retirement plans, and institutions, acting mainly as an intermediary while portfolio implementation and trade execution are handled by third-party managers.
Ronald K
Series 66
Topanga, CA
Kramer Investment Advisors, Inc.
Ronald Kramer is a financial advisor at Kramer Investment Advisors, Inc. with 23 years of industry experience. He holds a Series 66 designation and has operated his own accounting firm, Kramer Accountancy Corporation, since 1993. In addition to his advisory work, he is involved in insurance services through Kramer Insurance Services and other related business activities, including accounting, tax, and business management. Kramer Investment Advisors offers advisory services primarily by selecting and referring third-party money managers and providing financial planning at no additional charge. The firm serves individuals, trusts, retirement plans, and institutions, acting as an intermediary rather than directly managing client assets or executing trades.
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