For over 30 years, Howard has built a reputation as a trusted confidante who clarifies issues and works to resolve financial concerns that often cause conflict in relationships. His clients value the listening skills, knowledge, analytical ability, and deep caring he brings to the engagement.
Before making any recommendations, Howard takes care to truly understand a clients' unique circumstances and uncover what is important to them. Then he develops strategies to help build efficient portfolios, manage risk, create succession plans, organize finances, simplify complex problems, and much more.
In his work, Howard targets critical areas that business owners and professionals face daily. He understands the challenges of today's entrepreneur. The service and support of his team provides clients with more freedom, more independence, and greater financial confidence.
Howard brought many years of business and life experience outside of financial planning when he started H. A. Kramer & Associates, PA, in 1989. He provides advice, counseling, and coaching as a State of Florida, Registered Investment Adviser.
In addition to being a CERTIFIED FINANCIAL PLANNER™ practitioner, Howard is an AIF®, Accredited Investment Fiduciary®. He is life and health insurance-licensed in Florida, California, and Michigan.
2009 President of the Financial Planning Association – Broward Chapter. In 1996, he served as President of the Broward Society of CLU and ChFC. Howard loves to spend free time with his grandchildren and wife Meryl.