Welcome to the latest edition of Your Money Matters from Kramer Wealth Managers! Financial confidence is built through clarity, education, and partnership. This month’s issue includes lessons for the next generation, and a breakdown of what a market correction really means.
Let’s dive in and envision your future together.
Danny, our financial advisor, shares a simple recap of how the markets performed at the end of 2025 and what that means as we move into 2026. He explains why last year was strong despite some ups and downs, what’s happening with interest rates, and why staying patient and diversified matters. Danny also offers a steady, reassuring outlook for the year ahead, reminding investors to stay focused on long-term goals rather than short-term market noise.
In Case You Missed It…
We always share money tips, resources, and insights on our social media pages. Follow us at @kramerwealth and be sure you’re also connected with us on Facebook and LinkedIn. Check out some of our recent posts:
- Raj and Dave attended the Deaflympics in Japan. Dave was the Head coach for the Track and Field team, and Raj played for the Women’s Basketball team, who brought home the silver medal!
- We broke down the DRP options for you if you’re unsure which to go with.
- For 2026, there’s an increase on what you can contribute! Check out the chart here.
Featured Blog: Your Guide to Beginning 2026 Strong with Your Finances
Ready to kick off 2026 with confidence and clarity in your financial life?
Our latest blog post breaks down timely, actionable steps you can take now, from reviewing last year’s realized gains to optimizing retirement contributions and planning for changes ahead. That way, you can start the year strong and organized. Don’t miss these smart strategies to build a solid financial foundation for the year ahead.
Click here to read the blog post and take control of your financial journey today!
News and Events
Supporting our Deaf Seniors
In December, Lee had the pleasure of attending the Maryland Deaf Senior Citizen Holiday Luncheon on behalf of Kramer Wealth Managers. As a proud sponsor, it was a meaningful opportunity to connect, celebrate the season, and support hte Deaf senior community we value so much.
Sharing Knowledge where it Matters
Stephanie had a busy Fall, presenting at multiple events across the region. From hosting Federal Benefits Trivia at the Deaf In Government National Training Conference, to leading Estate Planning Basics with the Diverse Deaf Club of New Jersey, and even informal discussions with interpreters on financial planning, her sessions focused on making financial education approachable, relevant, and empowering.
Looking ahead: W Forum in Nashville
We’re excited to share that members of our team will be heading to the W Forum this February in Nashville, hosted by Osaic. This annual conference brings together female advisors and team members from across the country to learn, connect, and grow. Lisa, Stephanie, and Tanna Jo are looking forward to gaining fresh insights and bringing new ideas back to better serve our clients.
ASL Glossary: Required Minimum Distribution (RMD)
A required minimum distribution (RMD) is the amount that traditional, SEP or SIMPLE IRA owners and qualified plan participants must begin distributing from their retirement accounts from April 1 following the year they reach age 70.5.
Note: As of 2025, the age requirement has changed from 70.5 to 73.
Visit our ASL Library to learn about other finance terms in ASL!
Envision Your Future with Kramer Wealth Managers! Stay up-to-date with our recent blog posts and resources and follow us on social media for more updates and tips.
