Kramer Investment Services, LLC

Kramer Investment Services provides personalized financial planning and discretionary portfolio management to individuals, pension and profit‑sharing plans, trusts, estates, charitable organizations and small businesses. Services described in the brochure include tiered written financial plans (basic and more comprehensive/platinum options), ongoing asset management, and acting as a liaison to third‑party money managers.

The firm documents client objectives and risk tolerance in investment policy statements and uses fundamental, technical and cyclical analysis to construct portfolios; strategies noted in the brochure can include long‑ and short‑term purchases, trading, option writing and, in some separately managed or third‑party accounts, futures and other derivative exposures. Kramer also conducts periodic account reviews, places clients with outside managers (for example, a referral arrangement with Gradient Investments), and provides ongoing client servicing tied to those third‑party relationships.

Noteworthy aspects disclosed in the brochure include that Kramer operates as a solo practitioner while serving an unusually large client base (over 500 clients with roughly $63 million in discretionary AUM), and maintains an affiliated insurance business that generates commission income, which the firm identifies as a potential conflict of interest. The firm also describes providing educational events and higher‑tier planning services that can include attorney document review and coordinated implementation, and it participates in incentive arrangements with a third‑party manager that provide fee sharing and non‑cash benefits.