David is the owner and founder of Retirement Wealth & Tax Advisors and a Certified Financial Planner (CFP). He has been charting a course toward successful retirement for his clients for more than 40 years. He sees his role as that of a guide leading his clients through the process of intentional retirement planning so that each individual’s unique goals and dreams are a possibility. As a financial guide, he also helps his clients avoid the pitfalls of overspending and outliving retirement. David has built a team of retirement specialists and support staff, an extensive network of professionals in areas critical to retirement success, and robust technological systems to help execute his client’s visions. As a result, he has had numerous client-families work with him for generations.
David is passionate about the opportunity to change people’s lives through thoughtful financial planning, making what may seem impossible and scary rewarding and achievable. He thrives on working with others, discovering who they are and what is important to them, and playing a meaningful part in their financial health. The world, the economy, the country, tax laws, and the financial services industry and the products they offer are continually changing. David enjoys the challenge of continual learning and the ability to apply his knowledge with his clients.
Mr. Kramer became interested in financial planning after watching his parents struggle with unsatisfying jobs and low incomes. He wanted to learn how finances can work as a tool for financial independence. Early on, he began thinking about the concept of work being optional and how one would get to that point. In his research on building wealth, he discovered a book called Money Dynamics by an early pioneer in the financial planning industry, and he was hooked. A short time later, he began working at a financial firm and 43 years later he is still working to help clients make work optional.
David lives his life by the rules he uses to advise clients - he knows what is most important to him and invests in those areas while living thoughtfully in other areas enabling his own dreams to be fulfilled. As a result, he and his partner of 34 years, Susan, are avid travelers. David also enjoys skiing, watersports, learning foreign languages, and personal fitness.
Mr. Kramer holds a BS in Business from Drexel University with a concentration in Accounting. He holds Certified Financial Planner (CFP™) and Chartered Retirement Planning Counselor (CRPC™) designations from the College for Financial Planning. He received his MBA in Personal Finance Planning from Golden Gate University and was cited for outstanding academic achievement. He is an Investment Advisor Representative with Cetera Advisors LLC, an entity whose purpose is to support independent financial advisors.