Kramer Wealth Advisory | Trusted Financial Advisors in Grimes, Iowa

Planning for your financial future is a crucial step in achieving long-term stability and realizing your aspirations. At Kramer Wealth Advisory, we understand that every individual's journey is unique. 

That's why we offer comprehensive financial planning services to residents of Grimes and nearby communities such as Urbandale, Waukee, Johnston, Polk City, Granger, Dallas Center, and all of Iowa.

Whether you're planning for retirement, building wealth, or seeking investment guidance, our team is here to support you with tailored strategies designed to meet your needs.

Why Choose Kramer Wealth Advisory?

Choosing the right financial advisor is an important decision. At Kramer Wealth Advisory, we pride ourselves on being more than just advisors—we're partners in your financial success. Our approach is centered around your unique goals, ensuring that every plan is as individualized as the clients we serve.

  • Tailored Financial Plans: We know that no two clients are alike. By taking the time to understand your priorities and challenges, we create strategies that reflect your specific circumstances and objectives.
  • Transparent Communication: We believe in open, honest communication. You'll always know where you stand and have the information you need to make decisions with confidence.
  • Comprehensive Services: From wealth management and retirement planning to tax strategies and education savings, we provide a wide range of financial services under one roof.

Our dedication to providing exceptional service and expert guidance has established us as a trusted financial advisory firm for individuals and families in the Grimes area.

Our Comprehensive Financial Services

At Kramer Wealth Advisory, we offer a broad suite of services to address every stage of your financial journey. Here's how we can help you achieve your goals:

Retirement Planning

Retirement is a significant milestone, and careful planning can make all the difference in providing financial confidence during your golden years. We assist with:

  • Crafting a personalized retirement income plan tailored to your desired lifestyle.
  • Maximizing contributions to retirement accounts such as 401(k)s, IRAs, and Roth IRAs.
  • Creating diversified investment strategies to balance growth potential with risk management.

Our advisors work closely with you to review your current savings and develop a roadmap that leads to the retirement you envision.

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.

Investment Management

Successful investing requires a thoughtful and disciplined approach. At Kramer Wealth Advisory, we help you make informed decisions by:

  • Designing custom investment portfolios that align with your risk tolerance and financial goals.
  • Offering insights into various investment options, including stocks, bonds, ETFs, and mutual funds.
  • Monitoring and adjusting your portfolio to respond to market changes and optimize performance.

Whether you're a seasoned investor or just starting, our strategies focus on achieving sustainable growth while preserving your assets.

Wealth Building and Preservation

Building wealth is an essential part of securing your financial future, but preserving that wealth is equally important. Our strategies include:

  • Implementing tax-efficient methods to grow your savings.
  • Develop estate plans that protect your legacy and ensure your assets are distributed according to your wishes.
  • Providing long-term wealth management strategies to help you achieve lasting financial success.

We aim to help you accumulate, preserve, and transfer wealth effectively, giving you confidence in the future.

Tax Planning

Taxes can significantly impact your financial health, but proactive planning can help manage your tax burden. Our services include:

  • Identifying opportunities for tax savings through deductions, credits, and smart investment choices.
  • Aligning your financial and tax strategies in collaboration with your accountant or tax professional.
  • Providing clarity on the tax implications of major financial decisions to ensure you stay ahead.

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

Investing in a child's education is one of the most meaningful contributions you can make to their future. We help you:

  • Set up and manage 529 college savings plans tailored to your financial goals.
  • Explore alternative education funding strategies, such as custodial accounts.
  • Balance the cost of education with your broader financial priorities.

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.

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.

 

 

 

 

 

 

 

 

 

 

Our Client-Centric Approach to Financial Planning

At Kramer Wealth Advisory, we understand that financial planning is not a one-size-fits-all process. We take a holistic, step-by-step approach to help you navigate life's complexities and build a solid foundation for your future:

Initial Consultation

In our first meeting, we'll take the time to understand your financial landscape. This includes reviewing your income, expenses, assets, and liabilities, as well as identifying your immediate and long-term goals.

Goal Setting

Together, we'll define clear objectives, such as saving for retirement, funding education, or building an investment portfolio. These goals serve as the foundation for your customized plan.

Tailored Strategy Development

 Using the insights gained during our consultation, we'll develop a personalized financial strategy that includes actionable steps and risk management techniques.

Implementation

We'll handle the logistics of implementing your plan, including setting up accounts, executing investment strategies, and coordinating with tax or legal professionals when needed.

Ongoing Support 

Financial plans need to evolve with your life. We conduct regular reviews to ensure your plan remains relevant and make adjustments to stay aligned with your goals and market conditions.

Serving the Grimes Community and Beyond

As proud members of the Grimes community, we are committed to helping local families and businesses thrive. Our deep understanding of the region's economic landscape enables us to offer practical, tailored advice that reflects the realities of Central Iowa. 

In addition to serving Grimes, we work with clients in surrounding areas: Urbandale, Waukee, Johnston, Polk City, Granger, Dallas Center, and all of Iowa.

Whether you're just starting your financial journey or looking to refine your strategy, Kramer Wealth Advisory is here to provide the guidance and support you need every step of the way.

Take the First Step Toward Financial Confidence 

Your financial future is too important to leave to chance. At Kramer Wealth Advisory, we are dedicated to helping you achieve your goals confidently and clearly. Contact us today to:

  • Clarify your financial objectives.
  • Develop a personalized plan to achieve them.
  • Gain the confidence that comes with professional guidance and expert advice.

Contact Us 

  • 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 secure a brighter financial future.