About Howard
Howard Kramer, CFP®, a CERTIFIED FINANCIAL PLANNER™ PRACTITIONER, works with outstanding families, professionals and business owners who want to grow and protect their wealth. His clients are engaged and active people who like to know what they have and why they have it. Because they are able to focus on the journey, he guides his clients toward creating a meaningful life and legacy. They believe in Howard’s philosophy of using money and loving people, not the reverse - loving money and using people.
Over the past twenty-two years, Howard has built a reputation as a personal confidante, a trusted advisor who clarifies issues and works to resolve financial concerns that often cause conflict in relationships. He has a substantial following of loyal clients who value his listening skills, knowledge, analytical ability and deep caring.
Before making any recommendations, Howard works one on one with people to truly understand their unique circumstances and uncover what is important to them. Then he develops strategies to help build efficient portfolios, manage risk, create succession plans, organize finances and simplify complex problems.
In his work, Howard targets critical areas that challenge business owners and professionals. He understands the challenges of today’s entrepreneur. The service and support his team provides gives his clients more freedom, more independence and more financial confidence.
Howard brought many years of business and life experience outside of financial planning when he started H. A. Kramer & Associates, PA, in 1989, now doing business as Howard Kramer, CFP®. Howard Kramer, CFP® provides advice, counseling, and coaching as a State of Florida, Registered Investment Adviser.
In addition to being a CERTIFIED FINANCIAL PLANNER™ PRACTITIONER, Howard is an AIF®, Accredited Investment Fiduciary®. Howard has been affiliated for over 13 years with Commonwealth Financial Network, member FINRA/SIPC, holding securities registrations; 7, 24, and 63. In addition he is Life and Health insurance licensed in Florida, New York, California (insurance license 0A98137), Michigan and Ohio.
Howard and his wife Meryl reside in Plantation, Florida. Sharing a home/office, they enjoy bringing people and plans together; Meryl as a successful realtor and Howard as a trusted confidante to friends and family. They have two successful sons, Matthew and Spencer.
Howard has served on numerous community and business boards, in 2010 as Chairman and immediate Past - President of the Broward chapter of the Financial Planning Association. In his spare time, Howard loves to build things, garden, golf, and travel with his family.
Howard is a sought after speaker on issues relating to Money in Relationships. He has recently been quoted in the Miami Herald, Sun-Sentinel, Investment News and Money Magazine. He appeared on Comcast Newsmakers in October 2009.
This communication is strictly intended for individuals residing in the states of AZ,CA,CO,FL,MI,NJ,NY. No offers may be made or accepted from any resident outside these states due to various state regulations and registration requirements regarding investment products and services.
