Financial Solutions


It might surprise you that over 50% of our work comes from helping people with their retirement accounts. These funds are typically referred to a "Qualified Money" because those dollars qualify under the US Treasury rules allowing the tax payer to park money before taxes and grow that money tax-deferred.

There are trillions of dollars in qualified accounts today.

Here are some of the more popular qualified accounts you might be familiar with:
IRA, 401(k), TSA, 403(b), Simple, SEP, Defined Benefit and Defined Contribution Plans.

Protect It

As you enter retirement, it is wise to consider the level of risk you are comfortable with. Protecting the resources you have worked hard to accumulate provides peace of mind and a predictable base. This allows you to plan with more certainty for the future. We offer a number of guaranteed solutions that may help you create a more stable environment for your money and also include attractive income plans that could help you supplement your retirement income. It is important to plan before making any financial decision.

Make sure you have all the details and costs associated with any product or strategy.
We are here to help!

Stretch It

You may have heard that by properly designating your beneficiaries, it is possible for you to "stretch" your IRA to the next generation and beyond. Simply put, this allows tax deferral to continue for as long as possible under the law allowing your money to work harder and longer than ever before. For many families, this can mean 3 to 4 times as much money going to the heirs from the IRA.

We can help "stretch" your IRA to the maximum benefit if you desire. Just call us.

What it can do for you?

Adding an annuity to your retirement planning strategy can make a big difference in two ways. First, there is the real benefit of having income you can count on for the rest of your life. Second, there is the benefit of simply knowing you'll have income for the rest of your life—that's called peace of mind. And you can enjoy that now.

Roth IRA

Although the Roth IRA is still a qualified plan, we like to put this in a separate category as funds placed properly into a Roth IRA begin to grow income tax-free.

Roth IRA Conversion

Many American's believe tax rates will be higher in the future. This has led some to consider the value of converting to a Roth IRA. By converting now, you pay your taxes today. Then, your Roth and all future growth accumulates federal income tax-free. Imagine a 0.0% tax rate on your future growth and withdrawals. Before converting to a Roth IRA, you should do research about the tax impact and also evaluate your risk tolerance along with your personal goals and objective.

Where you place your money makes a difference and we can help you understand the benefits and costs associated with your long-term decisions.

Stretch It

Like a traditional IRA, the Roth IRA can be stretched over the life expectancy of your heirs. This means you can grow money federal income tax-free for as long as possible under the law. That can stack up into quite a legacy.



When you are near or in retirement, many people consider converting their 401(k) into a fully portable IRA allowing you to regain control of where you place these hard earned dollars. Within an IRA, you have many options. This is an important time to consider the best place to allocate this money and what you intend to do with these funds. Planning now provides peace of mind that your resources will perform as you desire and you can enjoy a prosperous retirement. Contact us. We have helped many people make transition with very little effort.




Thank You for visiting our site.

Kramer & Kramer LLC is a Financial Services, Estate Planning, Investment and Retirement Planning Firm. Today, more than ever it is important to do your homework and due diligence to determine who is best suited to help you with your retirement and benefits planning decisions.


Our goal is to produce the confidence and financial independence that can be obtained from doing things the right way for the right reasons.


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Together with you and other important professionals, we structure understandable plans for you and your most important assets, position you for a benefit loaded retirement and structure your estate with easy to maintain efficiency.

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Our confidential review comes without charge and at the end, you will be in a position to make better decisions on your personal situation whether you decide to do business with us or not.

The best way we know to help you evaluate us is to put our best effort forward first and let you decide.

Questions! 623-974-1966

Inside the Brookside Bell Professional Plaza
15288 W. Brookside Ln Suite #135

Surprise, AZ 85374




We build safe, secure, guaranteed financial solutions free from market volatility with ample access to funds and income all accomplished in a tax-favored environment.

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Kramer & Kramer Estate Planning
15288 W. Brookside Ln #135
Surprise , Arizona 85374
Phone: 623-974-1966 623-974-1966
Fax: 602-560-0267
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