Your Money Matters: Q2 2024

Welcome to the latest edition of Money Matters from Kramer Wealth Managers! We’re thrilled to share the latest insights and updates from this past quarter, designed to keep you informed on your financial journey. Let’s dive in and envision your future together.

Financial Advisor Danny Lacey shares our financial market insights for the second quarter of 2024 in ASL. Key points include news from the Federal Reserve and financial implications of tensions in the Middle East. 

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In Case You Missed It…

Kramer Wealth Managers is on Instagram! Follow us at @kramerwealth and be sure you’re also connected with us on Facebook and LinkedIn. Here are some of our recent posts:

  • Our followers loved our Financial Mythbuster series, where we debunk finance myths and introduce each member of the KWM team!
  • We had a great post on the benefits of early retirement planning.
  • The “This or That” investment edition highlighted different types of investments you can make.
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Featured Blog: Financial Wellness Checkup – Are You On Track?

Are you on track for a secure retirement? Our latest blog post provides a retirement savings checkup tool to help you assess your financial health. Discover common retirement misconceptions and learn how to use our tool to determine your target savings amount. Don’t wait, take control of your financial future today!

Also, check out our May blog post about navigating FAFSA delays and tips you can use.

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News and Events

 

Community Involvement: Financial Wizards

Stephanie Summers, one of our financial advisors, represented Kramer Wealth Managers at Financial Wizards, a week-long summer program at Gallaudet University and the National Technical Institute of the Deaf, for deaf or hard-of-hearing students entering 10th, 11th, and 12th grade. The program aims to enhance their financial literacy skills and provides an opportunity to explore various careers in finance and administration.

We Painted Chicago Red with KWM! 

Stephanie also presented a workshop and hosted several Meet-Ups at the NAD Conference in Chicago this past July! Stephanie has a passion for empowering financial wellness for all, and loved connecting with Conference attendees.

Fresh from the Future: Osaic Wealth NXT Insights

Danny, Stephanie, Jeremiah, and Lisa recently returned from the Osaic Wealth NXT conference in New Orleans, a powerhouse event exploring the cutting edge of wealth management. We’re buzzing with innovative strategies to help YOU achieve your financial goals by leveraging new insights to navigate market volatility and optimize your investments.

ASL Glossary: Funds

Funds such as mutual funds, closed-end funds, and exchange-traded funds, pool money from many investors and invest it according to a specific investment strategy. Funds can offer diversification, professional management and a wide variety of investment strategies and styles. But not all funds are the same.

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.

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Maryland Office

9099 Ridgefield Drive Suite 101
Frederick, MD 21701

VP: (240) 439-6889
Voice: (240) 379-6929
Fax: (240) 379-6909

Texas Office

611 S. Congress Ave. Suite 440
Austin, TX 78704

VP/Voice: (512) 410-0739
Fax: (512) 692-2990

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*Securities and Investment Advisory Services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth.  Traditional/Fixed Insurance offered through Kramer Wealth Managers which is not affiliated with Osaic Wealth. This communication is strictly intended for individuals residing in the United States. No offers may be made or accepted from any resident outside of the United States. Neither Osaic Wealth, nor its registered representatives, offer tax ore legal advice. For assistance with these matters, please consult your tax or legal advisor.

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*** The securities products and services offered or provided by Osaic Wealth are not being provided or offered on behalf of the Federal Government.The offer of such securities is not sanctioned, recommended, or encouraged by the Federal Government. Osaic Wealth and Kramer Wealth Managers are not endorsed by or affiliated with the Federal Government.

This communication is strictly intended for individuals residing in the United States. No offers may be made or accepted from any resident outside the United States.

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A broker-dealer, investment financial professional, BD agent, or IA rep may only transact business in a state if first registered, or is excluded or exempt from state broker-dealer, investment adviser, BD agent, or IA registration requirements as appropriate. Follow-up: individualized responses to persons in a state by such a Firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion. For information concerning the licensing status or disciplinary history of a broker-dealer, investment, adviser, BD agent, or IA rep, a consumer should contact his or her state securities law administrator.

PLEASE NOTE: The information being provided is strictly as a courtesy. When you link to any of the websites provided here, you are leaving this website. We make no representation as to the completeness or accuracy of information provided at these websites. The company is not liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, websites, information, and programs made available through this website. When you access one of these websites, you are leaving our web site and assume total responsibility and risk for your use of the websites you are linking to.

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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.