Annual Offer for ADV

Annual Offer for ADV
This year represents our 19th year that we are registered with the State of Florida as a fiduciary advisor. The other milestone, is Howard's 20-year affiliation with Commonwealth* to implement and manage financial product(s).
As a State of Florida Registered Investment Adviser (“RIA”), every year, H. A. Kramer & Associates, PA (“HAKAPA”) is required to do something very important; provide you with a summary of material changes to both our Form ADV Part 2A, also known as the Firm Brochure, and the “Appendix” to our Form ADV Part 2A referred to as the Brochure Supplement. As well, we must provide our advice, planning and consulting clients the opportunity to request the most recent version. We have linked our latest version here along with our privacy policy.
Comments regarding updating our ADV
This document includes information about a firm’s business practices, advisory and consulting services, fees charged and other miscellaneous costs, disciplinary history, conflicts of interest, and background information.
The following summarizes the material changes made to the HAKAPA brochure since the last annual update in March of 2017:
  • Change to the “Compensation for the Sale of Advisory Services” section under “Fees and Compensation” to require payment in advance.
*If you choose to hire Howard for the implementation of his investment recommendations and financial management please request a copy of Commonwealth Financial Network’s ADV from us.
Always yours,
Howard Kramer, CFP®, AIF®
Additional information about H. A. Kramer & Associates, PA is available on the SEC’s website at
Click on Investment Adviser Search then select Individual and search for Howard Kramer - CRD #1742120, or search under the Firm, H.  A. Kramer & Associates, P.A. - CRD #141751.