Financial Advisors & Wealth Management in Urbandale, IA

Building a stable financial future requires thoughtful planning and expert guidance. At Kramer Wealth Advisory, we specialize in providing personalized financial strategies for individuals, families, and businesses in Urbandale and surrounding areas, including Grimes, Waukee, Johnston, Dallas Center, and Granger. 

Whether you're preparing for retirement, managing investments, or working to grow your wealth, we're here to provide clear and actionable strategies.

 

 

 

What Sets Kramer Wealth Advisory Apart?

Choosing a financial advisor is an important decision. At Kramer Wealth Advisory, we offer:

• Personalized Strategies: We design plans tailored to meet your unique goals and circumstances.
• Experienced Advisors: Our team provides professional insights rooted in years of industry knowledge.
• Comprehensive Services: From retirement planning to wealth management, we cover all aspects of your financial journey.

Our mission is to simplify financial planning, empowering you to make confident decisions for your future.

Services Tailored for Urbandale Residents

We provide a variety of services to help you manage your finances effectively and achieve your aspirations.

Retirement Preparation

Planning for retirement is about more than just saving—it's about creating a confident future. Our Urbandale financial advisor helps you::

• Maximize contributions to accounts like IRAs and 401(k)s.
• Develop strategies for sustainable income during retirement.
• Address potential healthcare costs and other long-term expenses.

Investment Strategies

Smart investments are a cornerstone of financial growth. We assist with:

• Creating diversified portfolios to suit your goals and risk tolerance.

Diversification does not guarantee a profit or protect against a loss in a declining market. It is a method used to help manage investment risk.

• Regularly reviewing and optimizing your investments.
• Exploring various options, including mutual funds, ETFs, and individual stocks.

Mutual Funds and Exchange Traded Funds (ETF's) are sold by prospectus. Please consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other information about the investment company, can be obtained from the Fund Company or your financial professional. Be sure to read the prospectus carefully before deciding whether to invest.

Wealth Preservation

Preserving your assets is as critical as building them. We provide guidance on:

• Managing tax liabilities while growing your portfolio.
• Structuring estate plans to safeguard your legacy.
• Adapting strategies as your financial goals evolve.

Proactive Tax Strategies

Understanding and managing tax implications can lead to significant savings. Our services include:

• Identifying credits and deductions to optimize savings.
• Aligning tax strategies with your overall financial goals.
• Ensuring informed decisions when it comes to investments.

Education Planning

Setting aside funds for education is a meaningful investment in the next generation. We help you:

• Set up college savings accounts, such as 529 plans.

A 529 plan is a college savings plan that allows individuals to save for college on a tax-advantaged basis. Every state offers at least one 529 plan. Before buying a 529 plan, you should inquire about the particular plan and its fees and expenses. You should also consider that certain states offer tax benefits and fee savings to in-state residents. Whether a state tax deduction and/or application fee savings are available depends on your state of residence. For tax advice, consult your tax professional. Non-qualifying distribution earnings prior to 2024 are taxable and subject to a 10% tax penalty. Beginning in 2024, unused 529 plan funds may be rolled into a Roth IRA assuming the following conditions are met: 1) must have owned the 529 plan for 15 years, 2) can only convert funds that have been in the 529 plan for at least 5 years, 3) rollover amount cannot exceed $35,000 and 4) rollovers must be made to a beneficiary's Roth IRA.

• Balance education funding with your other financial objectives.
• Create long-term strategies tailored to your family's needs.

How We Make Financial Planning Simple

At Kramer Wealth Advisory, we aim to take the stress out of financial planning. Our step-by-step approach includes:

1. Understanding Your Needs: We start by learning about your current finances and long-term aspirations.
2. Creating a Plan: Together, we develop a strategy that reflects your unique priorities.
3. Implementing Strategies: We manage the logistics to ensure your plan is executed smoothly.
4. Ongoing Review: Regular assessments help keep your plan on track as your circumstances or goals evolve.

This process ensures your financial plan is adaptable and relevant.

Why Urbandale Chooses Kramer Wealth Advisory

Our clients trust us for our commitment to personalized service and local expertise. Here's why:

• Local Knowledge: As a team rooted in Iowa, we understand the financial needs of Urbandale families and businesses.
• Holistic Planning: We address all aspects of your financial life, creating a comprehensive and seamless plan.
• Transparent Advice: We communicate clearly, ensuring you understand your options every step of the way.

Our goal is to empower you to take charge of your financial future with confidence.

 

 

 

 

 

 

 

 

 

 

Integrated Financial Planning for Life's Big Goals

Effective financial planning goes beyond daily decisions—it shapes the big picture of your future. We help you:

• Plan for Retirement: Build a strategy to sustain your desired lifestyle in retirement.
• Preserve Wealth: Preserve your assets for future generations with tailored strategies.
• Manage Tax Efficiency: Use proactive strategies to manage your tax burden.

Our holistic approach ensures every financial decision aligns with your broader goals.

Serving Urbandale and Beyond

While our main office is in Grimes, Kramer Wealth Advisory proudly serves Urbandale and neighboring communities, including Waukee, Johnston, Polk City, Granger, Dallas Center, and all of Iowa. Our regional knowledge allows us to provide tailored advice for residents while addressing the challenges and opportunities unique to Central Iowa.

Whether you're starting your financial journey or refining an existing plan, our team is ready to help.

Take the Next Step Toward Financial Confidence 

Your financial goals deserve the support of experienced professionals. At Kramer Wealth Advisory, we provide personalized guidance, tailored strategies, and ongoing support to help you succeed. Contact us today to:

• Explore customized financial planning strategies.
• Begin building a roadmap for long-term success.
• Gain confidence in your financial decisions with expert advice.

Contact Kramer Wealth Advisory

• Phone: 515-310-9544
• Email: jbkramer@iwnadvisor.com / rkramer@iwnadvisor.com
• Address: 101 SE 2nd St, Grimes, IA 50111

Visit www.kramerwealthadvisory.com to learn how we can help you achieve your financial goals.