Ronald A. Lederkramer, CPA, CFP

The firm serves individual clients, trusts and estates and typically accepts accounts with a substantial minimum size. It provides discretionary portfolio management using individual securities, mutual funds and ETFs as well as fixed-income instruments, and also offers financial planning on an hourly or fixed-fee basis, including advice on insurance products, annuities, life settlements and real estate investments.

The firm’s investment approach is grounded in fundamental analysis, considering factors such as company size, cash flow, dividend yield and balance sheet strength, and it may use options defensively or covered calls to generate income. Portfolios are tailored to client circumstances—age, income needs, retirement timing, education funding, debt and health—and the advisor generally acts with discretionary authority while custody of assets remains with the chosen broker-dealer.

This is a solo-practitioner advisory practice that combines accounting and planning credentials—maintaining CPA and CFP designations and a long track record in the financial industry—with a small, individualized practice model. Unlike many firms in this regulatory category, it provides both ongoing discretionary portfolio management and standalone financial planning, does not charge performance-based fees or advise private funds, and uses an institutional custodian for client assets.