Stephen M. Kramen CLU® ChFC® is an independent financial advisor and retirement planning specialist with over 40 years’ experience.

Welcome to Wealth Security Group, Ltd. Our firm specializes in helping clients design and implement a worry-free financial strategy that (1) Protects investment capital, (2) Avoids taxes, (3) Enhances Retirement Income and (4) Reduces Catastrophic healthcare costs. To access the valuable information we provide here, simply pick the area(s) that you are interested in.

Retirement Planning

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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Annuities

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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Long Term Care Insurance

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.

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