Your Money Matters: Q3 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.

In Q3 2024, the stock market saw solid gains, with the Dow up over 8% and the S&P 500 rising 5.5%. Despite initial volatility from disappointing economic reports and global market concerns, stocks rallied after the Fed announced a 0.5% cut in short-term rates—the first reduction in four years. As we look to October, focus will shift to the housing market, where declining mortgage rates may encourage homeowners to make moves. For a deeper dive into these insights, read the full blog and watch the full video!

In Case You Missed It…

Here are some of our recent social media posts:

There’s more! Follow us on Instagram at @kramerwealth and be sure you’re also connected with us on Facebook and LinkedIn.

Featured Blog: US Presidential Elections and Investments: Focus on the Long Haul

Are you concerned about how the upcoming election might affect your investments? Our latest blog post breaks down the myths and realities of election-year market performance. Learn why staying focused on your long-term goals is key, and how a well-diversified portfolio can help you navigate the uncertainty. Don’t let election noise derail your financial strategy—stay informed and on track!

And don’t miss our September blog post on the benefits of working with a financial advisor for your journey to financial freedom.

News and Events

Stephanie Summers featured by IARFC  

Financial Advisor Stephanie was spotlighted in the Summer 2024 Member Focus, featured in The Register published  by the International Association of Registered Financial Consultants.

Osaic Women’s Advisory Board Meeting

Our Operations Manager, Lisa Dewing, travelled to Phoenix in September to attend the Osaic Women’s Advisory Board Retreat as one of the Board’s newest members. This Board represents the over 3,000 female financial professionals affiliated with the Osaic Broker/Dealer network. It’s priorities center around developing programming to increase engagement and opportunities for female financial professionals.

Osaic ConnectEd National Conference

The team is headed to Orlando, October 27-30! In town for the National Conference hosted by Osaic, we will bring back updates on industry trends, share best practices, and explore innovative solutions in financial services.

ASL Glossary: Rollover

The process of moving funds from one qualified retirement account to another without incurring tax liability. Rollovers could include from one employer-sponsored retirement plan to another or from an employer-sponsored retirement plan to an Individual Retirement Account (IRA).

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.

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.

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.

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.