How is your plan working? The associates at Kramer Financial are committed to our Investing with a Plan philosophy. Our team of professionals has over 50 years of combined experience helping people just like you with everything from personalized financial planning and investment management to retirement plans, estates, trusts and much more. Come and see why The Plan makes the difference! Have you talked to your financial planner about your plan? Do you know your tax bracket? When is your debt free date? Do you know your retirement date? Are you over or under insured? How much money should you save each month/year? How will you pay for long term care? What happens if you are unable to work?