Financial Advisor in Waukee IA | Wealth Management Waukee

financial advisor in waukeePlanning for a confident financial future is one of the most impactful steps you can take to achieve long-term success and stability. At Kramer Wealth Advisory, we understand that each client's financial journey is unique. 

That's why we proudly offer customized financial strategies to individuals, families, and businesses in Waukee and surrounding communities, including Grimes, Urbandale, Johnston, Dallas Center, Granger, and throughout Iowa. From retirement strategies to wealth building, our Waukee financial advisor helps guide you toward achieving your goals.

 

 

Why Work with Kramer Wealth Advisory?

Selecting the right financial advisor is a critical decision, and Kramer Wealth Advisory stands out as a trusted partner in helping you navigate your financial path. Our approach combines personalized planning with expert insights, ensuring that our strategy is tailored to your circumstances.

  • Customized Financial Strategies: Every client has unique needs and priorities. We design financial plans that address your specific objectives and challenges.
  • Clear and Transparent Communication: We ensure you're well-informed throughout the process, giving you the confidence to make sound financial decisions.
  • Comprehensive Services Under One Roof: Whether you're planning for retirement, managing investments, or managing tax burdens, we offer a range of services to address all aspects of financial health.

Our dedication to excellence and commitment to building lasting client relationships have made us a reliable resource for families and businesses across Waukee and nearby areas.

Comprehensive Financial Services for Waukee Clients

At Kramer Wealth Advisory, we provide various financial services to meet the needs of our clients, no matter where they are in their financial journey. Here's how we can assist you:

Retirement Planning

Retirement planning is about more than saving—it's about creating a strategy that allows you to enjoy your future with confidence. We help you:

  • Develop a retirement income plan that aligns with your lifestyle goals.
  • Maximize contributions to accounts such as 401(k)s, IRAs, and Roth IRAs.
  • Build diversified portfolios to balance risk and reward over time.

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.

By assessing your current savings and long-term needs, we'll design a roadmap that helps you approach retirement with confidence.

Investment Management

Investing requires a disciplined and strategic approach. We support our clients by:

  • Creating tailored investment portfolios based on individual risk tolerance and objectives.
  • Offering insights into stocks, bonds, ETFs, mutual funds, and other investment vehicles.

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.

  • Regularly monitoring and adjusting portfolios to align with market conditions and opportunities.

Whether you're new to investing or seeking to optimize an existing portfolio, our strategies aim to foster sustainable growth and preserve your wealth.

Wealth Building and Preservation

Building wealth is a vital aspect of financial planning, but ensuring its longevity is equally important. We provide:

  • Tax-efficient strategies to grow and maintain wealth.
  • Estate planning guidance to protect your legacy and secure assets for future generations.
  • Ongoing wealth management strategies tailored to your evolving needs.

Our goal is to help you create a lasting financial foundation that supports your goals now and in the future.

Tax Planning

Taxes play a significant role in your overall financial health. Our Waukee financial advisor can help you:

  • Identify tax-saving opportunities, including deductions and credits.
  • Align tax strategies with your broader financial goals for maximum efficiency.
  • Navigate the tax implications of investments and major financial decisions.

With our expertise, you can take a proactive approach to managing tax liabilities while maximizing your savings.

Pursuant to requirements imposed by the Internal Revenue Service, any tax advice contained in this communication (including any attachments) is not intended to be used, and cannot be used, for purposes of avoiding penalties imposed under the United States Internal Revenue Code or promoting, marketing or recommending to another person any tax-related matter. Please contact us if you wish to have formal written advice on this matter.

Education Savings

Planning for educational expenses is an investment in your family's future. We guide clients through:

  • Establishing and managing 529 college savings 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 beneficiaries Roth IRA.

  • Exploring other funding options like custodial accounts or educational trusts.
  • Balancing educational goals with other financial priorities to maintain long-term stability.

We help ensure your education savings strategy aligns with your family's financial plans.

 

 

 

 

 

 

 

 

 

 

Our Process: A Step-by-Step Approach

At Kramer Wealth Advisory, our process is designed to provide clarity and confidence as we work together to build your financial future:

Initial Consultation

We begin with a thorough review of your financial situation, discussing your current income, expenses, assets, and liabilities. This meeting helps us understand your unique needs and goals.

Setting Objectives

We work with you to establish clear financial targets, such as saving for retirement, funding education, or creating an investment strategy.

Strategic Planning

Our Waukee financial advisors craft a customized financial plan with actionable steps and strategies to manage risks.

Implementation 

From account setup to coordinating with legal and tax professionals, we handle the details to bring your plan to life.

Ongoing Support

Life is dynamic, and your financial plan should be too. We provide regular reviews to ensure your strategy remains aligned with your goals and adapts to any changes.

This client-focused process is the foundation of our success and ensures that your financial journey is supported at every step.

Serving Waukee and Beyond

While Kramer Wealth Advisory's home office is in Grimes, we proudly extend our expertise to clients in Waukee and surrounding communities. Our deep understanding of the local economic landscape allows us to deliver practical, relevant advice that aligns with your financial needs.

In addition to Waukee, we serve Urbandale, Johnston, Dallas Center, Granger, and all of Iowa. Whether you're embarking on your financial journey or looking to refine an established plan, our team is here to help.

Take the Next Step Toward Financial Confidence

Your financial future deserves careful attention and expert guidance. At Kramer Wealth Advisory, we are passionate about helping you achieve your goals with thoughtful planning and personalized strategies. Contact us today to:

  • Clarify your financial priorities.
  • Develop a tailored plan to meet your unique objectives.
  • Gain the confidence that comes from working with experienced professionals.

Contact Kramer Wealth Advisory

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

Visit our website at www.kramerwealthadvisory.com to learn how we can help you build a confident and successful financial future.