Howard A. Kramer,  CFP<sup>&reg;</sup> - Financial Advisor

Howard A. Kramer, CFP®



H. A. Kramer & Associates, PA

941 SW 88th Terrace
Plantation, FL 33324
(954) 424-2487 CONNECT WITH Howard
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Howard Kramer is a CERTIFIED FINANCIAL PLANNER™ professional and member of the Financial Planning Association. Serving clients at H. A. Kramer & Associates, PA in Plantation, FL and the surrounding communities.

Financial Advisor Overview

We know that managing your finances and your life isn't as simple as it used to be. It's also difficult to find a fiduciary who can give unbiased advice, help manage your decisions and advocate for your best interest. That's why we are committed to providing the highest level of fiduciary advice, life planning and financial management services. H. A. Kramer & Associates, PA serves a select group of outstanding women, their families, and businesses. For comprehensive, ongoing guidance through all of life's challenges and transitions call us today for a free, no-obligation consultation.


Financial Advisor Experience

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.

Financial Advisor Certifications

Securities Registrations or Exam Qualifications

Designations & Certifications


Insurance Licenses

  • Life insurance: FL, CA, MI
  • Fixed annuities: FL, CA, MI

Broker-Dealer Affiliation

Commonwealth Financial Network®

Broker-Dealer Disclaimer

Advice and Planning offered through H. A. Kramer & Associates, PA, a Registered Investment Adviser
Securities and Fee-based Asset Management offered through Merited Wealth.

Financial Advisor's Specialties

Comprehensive Financial Planning


Helpful Financial Planning Resources