David I. Kramer, CFP^®

CRPC^®, MBA

CFP, CRPC, MBA

Retirement Wealth & Tax Advisors

3478 Buskirk Ave, Ste 270
Pleasant Hill, CA 94523

FINANCIAL ADVISOR'S WEBSITE

www.retirement-approaches.com

(925) 938-3200 CONNECT WITH David

Compensation

COMPENSATION METHODS

Commission and Fee

COMPENSATION CONSIDERATIONS

We operate largely on a fee basis. Where necessary to gain access to certain financial tools not readily available on a fee basis, we may recommend programs which have commission compensation.

Minimums

HOUSEHOLD INCOME MINIMUM

$100,000

Investable Asset Minimum

$250,000

General

David Kramer is a CERTIFIED FINANCIAL PLANNER™ professional and member of the Financial Planning Association. Serving clients at Retirement Wealth & Tax Advisors in Pleasant Hill, CA and the surrounding communities.

Financial Advisor Overview

At RWTA - Retirement Wealth and Tax Advisors We specialize specifically in retirment planning. We provide perspective to help support informed client decisions to help them to pursue those values which are most important to them and their famalies. The goal is to empower our clients to be able to live and do as they wish.

Financial Advisor Experience

Over 39 years experience. Specialized in Planning for Retirement. MBA in Personal Financial Planning CRPC - Chartered Retirement Planning Counselor(sm) CFP - Certified Financial Planner since 1982

Financial Advisor Certifications

Securities Registrations or Exam Qualifications

7, 22, 63, 65

Designations & Certifications

CERTIFIED FINANCIAL PLANNER™ (CFP^®)
Other - CRPC - Chartered Retirement Planning Councelor

Insurance Licenses

Life insurance: CA,VA,MD,ID,UT
Health/disability insurance: CA,VA,MD,ID,UT
Fixed annuities: CA,VA,MD,ID,UT
Variable annuities: CA,VA,MD,ID,UT

Broker-Dealer Affiliation

Cetera Financial Group

FINRA BrokerCheck

Financial Advisor's Specialties

Comprehensive Financial Planning, Annuities, Buying a Home, Asset Allocation, Estate Planning, Investment Management, Getting Divorced, Real Estate, Retirement, Life Planning, Long-term Care, Men's Finances, Personal Taxes

COMPENSATION METHODS

Commission and Fee

COMPENSATION CONSIDERATIONS

We operate largely on a fee basis. Where necessary to gain access to certain financial tools not readily available on a fee basis, we may recommend programs which have commission compensation.