James Kramer III is President of Kramer Financial and a registered principal with LPL Financial. With more than 25 years of experience in the financial services industry, James is dedicated to helping clients navigate complex financial decisions with clarity and confidence.
James founded his private practice in 2010 with a vision of delivering a comprehensive, planning-focused approach to wealth management for individuals, families, and business owners throughout central Minnesota. His work centers on integrating investment management, retirement planning, and risk management strategies into a cohesive plan tailored to each client’s goals.
Known for his thoughtful, solution-oriented approach, James believes in guiding clients through a disciplined planning process rather than focusing on individual products. His philosophy is simple: Investing with a Plan.
In addition to his work with individuals and families, James has a strong focus on serving business owners. As a Certified Exit Planning Advisor (CEPA®), he helps clients develop and implement exit strategies designed to maximize the value of their businesses and support a successful transition.
James holds a Master of Business Administration (MBA) and maintains the CERTIFIED FINANCIAL PLANNER® (CFP®) designation, one of the most respected credentials in the industry. He also holds Series 7, 63, and 24 registrations through LPL Financial.
James and his wife, Jodi, reside in St. Cloud and are actively involved in their community and church. Outside of the office, he enjoys visiting their two sons at college, traveling, reading, and following the Minnesota Twins, Iowa State Cyclones, and Wisconsin Badgers.