Howard Allen Kramer

Employer firm

Commonwealth Financial Network CRD 8032

$213B regulatory AUM 20,450 advisory clients

Reported services (Item 5G)

• Financial planning
• Portfolio management (individuals)
• Portfolio management (institutions)
• Pension consulting
• Selection of other advisers
• Periodicals / newsletters

From the firm’s Form ADV. Read the guides:

• Item 5F — Regulatory AUM
• Item 5G — Advisory services
• Full firm profile

Current Employers

Employment History

• 01/1990 → Present
  H.A. Kramer & Associates
  Fort Lauderdale, FL
• 07/1998 → 06/2021
  Commonwealth Financial Network
  Ft Lauderdale, FL
• 06/2021 → 05/2022
  Merited Wealth, Llc (Fka Stephen A. Taylor Wealth Management)
  North Bay Village, FL
• 05/2022 → Present
  Commonwealth Financial Network
  Waltham, MA

Previous Registrations

• 1999-08-11 → 2022-09-01
  H. A. Kramer & Associates, Pa
  Plantation, FL
• 2021-07-07 → 2022-05-31
  Merited Wealth, Llc
  Plantation, FL
  North Bay Village, FL
  Plantation, FL
• 1998-07-30 → 2021-06-30
  Commonwealth Financial Network
  Plantation, FL
  Plantation, FL

Other Businesses

Fixed insurance sales; Located at 941 SW 88 Terrace Plantation, FL 33324, as of 05/31/2022; 2% of time spent during business hours; Conducted at branch location; Investment related. President, H.A. Kramer & Associates, PA a private entity established to facilitate securities, advisory, and insurance business; Located at 941 Southwest 88th Terrace Plantation, FL 33324 as of 05/31/2022; 20% of time spent during business hours; Conducted at branch; Investment related.

Exams

• S63 Uniform Securities Agent State Law Examination
  1987-09-29

Designations

• Certified Financial Planner