Six Situations When You Need A Financial Advisor

 

Many people envision a financial advisor as someone who can give financial advice, especially when it comes to investing. While we certainly do that, it is only PART of what we do. There is a lot more to financial planning than just picking the right investments. In addition to helping you plan for goals, we can also help you avoid the financial pitfalls that you might not even be aware are there! We’ve identified six situations where you might benefit from having the advice of a financial advisor You’re retiring soon – Maximizing retirement income while also minimizing taxes requires smart decisions around complex topics such as Social Security, 401(k)/TSP, pension options, and IRA withdrawals. You manage your own investments – Individual investors should consider getting a second opinion to review their investment strategies. A financial advisor can help ensure you aren’t overlooking opportunities in your portfolio or taking unnecessary risks. You inherited money – Have you noticed lottery winners often declare bankruptcy? It can be difficult to manage sudden increases in wealth. The process of asset transfer can be tax sensitive if not done properly. You’re divorcing or getting remarried– Untangling finances in a divorce can be messy. Combining finances in a second marriage for people who are already well-established financially can also be complex. Impartial advice is key. You want to build wealth – If you’re still decades from retirement, good decisions today can potentially add thousands to your retirement accounts and can sometimes make the difference between early retirement and having to work well into your golden years. You have a major medical event or terminal illness – While it isn’t easy to focus on finances in the midst of a major health event, there is almost inevitably a financial impact. A financial advisor can help you navigate. In addition to helping choose a suitable investment strategy, financial advisors can help bring order to your financial life, keep you accountable to your goals, and be available to be an objective partner helping you avoid emotionally-driven decisions in important money matters.

Adrianna Rocha

Adrianna Rocha

Client Relations Specialist

240-379-6929 V
240-439-6889 VP
512-379-6909 FAX
info@kramerwealth.com

Adrianna Rocha joined Kramer Wealth Managers in 2021.

Adrianna is responsible for client experiences and service. As part of the customer service team, she strives to help and provide top-notch service to our clients. As part of her role, she communicates with clients through videophone, schedules client meetings, prepares and processes forms, and gathers information for our advisors.

Adrianna Rocha graduated with a Bachelor of Arts in Communication Studies from Gallaudet University in 2017. Before she joined our team, she worked in the customer service industry for nearly a decade. She excels in human-to-human relations and takes pride in not only her own accomplishments, but her clients’ as well. Adrianna enjoys chatting about her slight obsession with dogs, houseplants, essential oils, and food: especially Mexican food! She is also a proud fur-mama to her beautiful Aussie-mixed pup, Ziva.

Adrianna is not registered with Osaic Wealth.

Adrianna Rocha

Adrianna Rocha

Client Relations Specialist

240-379-6929 V
240-439-6889 VP
512-379-6909 FAX
info@kramerwealth.com

Since joining Kramer Wealth Managers in 2021, Adrianna Rocha has been a client service dynamo, ensuring every client interaction is seamless and delightful. She’s the go-to guru for all things client experience, handling everything from videophone chats to scheduling meetings and processing forms with a smile. Her goal? To make sure every client feels valued and well-cared-for.

Adrianna graduated with a Bachelor of Arts in Communication Studies from Gallaudet University in 2017 and brings nearly a decade of customer service experience to our team. She thrives on personal connections, celebrating both her achievements and those of our clients. When she’s not busy at work, you might find her indulging in her passions—dogs, houseplants, essential oils, and the tantalizing flavors of Mexican cuisine. Proud fur-mama to her adorable Aussie mix, Ziva. Adrianna brings a touch of warmth and enthusiasm to everything she does.

Q: What’s your favorite part of working with clients?

A:  I enjoy client service because it allows me to help people and make a positive impact. Using my listening skills to understand client needs and solve problems is satisfying. I love turning negative experiences positive and the daily variety of challenges.

Adrianna is not registered with Osaic Wealth.

Jack Morley

Jack Morley

Client Relations Specialist

240-379-6929 V
240-439-6889 VP
240-379-6909 FAX
info@kramerwealth.com

Jack Morley has been a vital part of the Kramer Wealth Managers team since 2010, starting with various projects and officially joining full-time in 2013. As our go-to Account Service Specialist, Jack is the friendly face and reliable voice who ensures a smooth client experience. He’s the linchpin in client communications, handling account maintenance and bridging connections between clients and our advisory team.

A 1998 graduate of Gallaudet University with a BA in Psychology, Jack brings a wealth of customer service experience from retail and human services. His handyman skills are a bonus, making him the resident problem-solver and DIY enthusiast. Outside the office, Jack enjoys long walks with his dog Bailey.

Married for 25 years to his wonderful wife, Monica, Jack is also the devoted dad to two dynamic daughters who keep him on his toes. When he’s not walking Bailey—he’s likely tinkering on a new project or spending quality time with his family.

Q: What’s your favorite part of working with clients?

A:  I enjoy assisting clients in maintaining their accounts and ensuring there is a smooth transition in between changes being made within their accounts.

Jack is not registered with Osaic Wealth.