Stephen M. Kramen CLU® ChFC® is an independent financial advisor and retirement planning specialist with over 40 years’ experience.
As an independent financial advisor and retirement planning specialist with over 40 years’ experience, we are totally committed and focused on helping clients design and implement the SAFEST financial strategies that preserve their financial security, hedge against the negative effects of inflation, lower their tax liability and ensure a guaranteed lifetime stream of retirement income.
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We regularly conduct workshops and seminars that contain valuable information and money-saving strategies for clients and invited guests only. If you would like to know the date(s) and location(s) of our seminars and be included on our mailing list, please call our office or send us an e-mail with your name, address, phone number and topic(s) of interest
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Join Stephen M. Kramen co-host on “SMART MONEY SOLUTIONS” Weekly Radio Program
(WZEZ 100.5 FM).
When planning for retirement you should fully fund the tax-deductible and tax-deferred savings plans that are available to you as an individual and through your employer. First on the list should be plans where the employer makes contributions and/or matches your contributions.
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An annuity is a contract issued by an insurance company. It is a unique financial product that provides tax deferral of interest and capital gains and the option (if funds are annuitized) of a guaranteed monthly income for life.
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The need for long term care can result from an accident, chronic illness or short-term disability, or from advance age. Long term care can include a broad range of services, provided in any setting outside a hospital.
Read More About Long Term CareYou can get started with only a few clicks. Fill out our contact form and we can get started.
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