Kramer Wealth Managers specializes in helping clients envision their future, take action and measure results. We are a full-service financial planning practice with expertise in wealth management, retirement saving and income planning, college saving, insurance strategies, estate design and advanced tax strategies. Let’s envision the future together. Visit our website at www.kramerwealth.com Branch office: 9099 Ridgefield Drive Suite 101 Frederick, MD 21701 240-379-6929 (Voice) 240-439-6689 (VP) --------------------------------------------------------------------------------------- Securities and Advisory Services offered through FSC Securities Corporation, member FINRA/SIPC. FINRA: http://www.finra.org/ SIPC: http://www.sipc.org/ Fixed and traditional insurance offered through Kramer Wealth Managers, which is not affiliated with FSC Securities Corporation. Neither Kramer Wealth Managers nor FSC Securities Corporation offer tax or legal advice. See the website for disclosure: http://www.kramerwealth.com/disclosures/