The Kramer remarK | September, 2017

“Your task is not to see the future, but to enable it." ~ Antoine DeSaint Exubery, French poet

Plan      Achieve      Protect
July           August               September

This 3rd month of the 3rd quarter of 2017 requires us to be vigilant. For our Florida clients who may be submitting an insurance claim, or if you ever find yourself recovering from any insured disaster, beware of scammers with Assignment of Benefits ("AOB") forms to sign.

Also, an insightful New York Times article (thank you Leslie) with additional tips and direct phone numbers to freeze your credit that Meryl discovered when she froze ours. It’s been something we’ve put off doing for too long. Now is the time to act. If you need help, just call us.
Enjoy reading and please let us know of any other topics that will help you to Plan, Achieve and Protect.

Assignment of Benefits Insurance Abuse
In the wake of Hurricane Irma, learn about AOB scams as well as ways to protect yourself by reading Florida on Alert for AOB Abuse as Recovery Begins via

Extra Tips to Consider After Equifax Breach

The New York Times sums up what we believe are important extra steps consumers should take in the article Equifax's Instructions Are Confusing. Here's What to Do Now.

What we found important about freezing your credit report:

  • TransUnion (888) 909-8872
  • Experian (888) 397-3742
  • Equifax (800) 685-1111 (very hard to get through now)
  • When calling Innovis (800) 540-2505 listen to the very end to get a confirmation number.
I am paying the typical $10 fee but I may dispute the charges with my credit card company. Also, if you are over 65 no charge for the initial freeze.

Create and/or strengthen your PIN at each agency (make sure the PIN is randomly generated)

Most importantly, schedule an appointment early with us and your CPA to file your upcoming 2017, and even 2018, tax returns as soon as possible.

"For a growing economy, you need investment. For investment, you need risk takers. Risk takers must mitigate that risk, and insurance is what mitigates that risk"  ~ Jeff Atwater, former Chief Financial Officer of Florida
If you have any questions or comments about the information shared here, please feel free to call us at (954) 424-2487 or e-mail [email protected].
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 by searching under the Firm, H.  A. Kramer & Associates, P.A. - CRD #141751.
Financial Planning offered through H. A. Kramer & Associates, PA, a Florida Registered Investment Adviser, are separate and unrelated to Commonwealth.
Securities and Fee-based Asset Management offered through Commonwealth Financial Network®, member FINRA/SIPC, a Registered Investment Adviser. 
Fixed Insurance products offered through CES Insurance Agency. 
Howard Kramer, CFP®, AIF® is a financial and life advisor located at 941 SW 88th Terrace, Plantation, FL 33324.