4. Meet Your Team

Howard Kramer, CFP®, AIF®

President & CEO

Howard founded H. A. Kramer & Associates, PA, more than 27 years ago with a vision to empower and advocate for his clients' best interests.
 
He received his CERTIFIED FINANCIAL PLANNERTM (CFP®) mark in 2003 and the Accredited Investment Fiduciary® (AIF®) designation in 2010. He earned the Chartered Financial Consultant® (ChFC®) designation in 1992 and Chartered Life Underwriter® (CLU®) designation in 1994 from the American College.
 
Active in professional and civic associations, Howard also served as:
  • President of the Broward Chapter Financial Planning Association (FPA)
  • President of Broward Society CLU and ChFC
In his spare time, Howard loves to create and build, garden, golf, and travel.

David Ferreira

Service Advisor

David joined H. A. Kramer & Associates, PA, as an intern in 2004 while he was attending high school. He graduated from Florida Atlantic University in 2009 and continues to pursue advanced education in the financial world.
 
He holds the FINRA Series 7 securities registration. 
 
David's key roles at the firm include: 
  • Assisting with plan formulation and portfolio management
  • Overseeing technology initiatives
  • Developing projects
  • Maintaining website and social media efforts
His interests include sports, traveling, golf, and motorcycles.

Meryl Kramer

Office Manager

Meryl brings 40 years of invaluable technical knowledge and business experience to the firm.
 
As a realtor, she understands the unique issues and situations that face both buyers and sellers in residential transactions in the South Florida market.
 
Meryl and Howard have been together for more than 33 years. They enjoy bringing people and plans together.
 
They have two successful sons, Matthew and Spencer. Matthew and his wife Lauren made Meryl and Howard proud grandparents to Landon and Drew.

Commonwealth Financial Network®

Broker/Dealer

Waltham Office
Commonwealth Financial Network
29 Sawyer Road
Waltham, MA 02453-3483
800.251.0080 Toll-Free
866.316.8357 Fax
San Diego Office
Commonwealth Financial Network
110 West A Street, Suite 1800
San Diego, CA 92101-3706
877.347.1983 Toll-Free
619.471.9701 Fax
 
Our partnership with Commonwealth Financial Network, a leading independent broker/dealer, provides us access to a team of investment, insurance, and planning specialists who assist us in our efforts to provide you with the best possible service. The professionals on these separate teams bring a breadth of knowledge and experience in the industry and within their own specialization. Learn more about each team below:
 

 

Since 1979, Commonwealth has enjoyed a stellar reputation among the advisors it serves. Among the many reasons are:

  • Commonwealth is extremely selective, turning away more than half of the advisors who want to partner with it. The firm seeks to partner with advisors with an exemplary compliance history; a prudent, balanced approach to investing and managing assets; and a highly personalized way of doing business.
  • Commonwealth excels in its commitment to safeguarding your privacy and ensuring that your data remains secure. Its encryption standards, redundant data centers, and disaster recovery plans make us confident that the information you entrust us with will remain well protected.
  • Commonwealth clears, or processes, your account transactions through National Financial Services LLC (NFS), a Fidelity Investments company. Like Commonwealth, NFS is an industry leader with a long and stable history of customer service excellence in handling every trade, statement, report, and myriad other transactions.
  • The firm’s Compliance team offers a flexible, responsive framework that allows us to understand what various industry regulations mean and how to work within them to achieve your goals.

Commonwealth has a vast infrastructure that is built around doing whatever it takes to deliver everything advisors need to serve their clients. The firm’s always expanding resources help ensure that we can deliver the best possible guidance and the prompt, personal service you expect and deserve.

  • Investment choice. Commonwealth provides us with an open investment platform, which gives us access to the complete universe of solutions from which to recommend the best choices for you based on your financial objectives, personal investment style, and risk tolerance.
  • Breadth of expertise. Dozens of experts in estate planning, taxation, risk management, business planning, charitable giving, and retirement planning are available to consult with us to ensure that the recommendations we make are the right ones for your financial situation.
  • Service. The firm’s advisor-to-staff ratio is one of the best in the industry. This means that staff members attend to us promptly, execute transactions quickly and accurately, and, in general, offer first-class service to help us provide the same to you.
  • Technology. Commonwealth’s secure, web-based platform allows us to efficiently and easily manage all aspects of your financial life and offer you easy access to your accounts through our website.
  • Access to top management. Commonwealth’s business model and corporate culture allow us open access to the firm’s 10 managing partners, who have an average tenure of more than 25 years and a hands-on approach to day-to-day operations. The availability of this depth of knowledge translates directly into better, faster, more informed decisions for you.
Commonwealth works hard to keep its staff happy and inspired to deliver indispensable service to us, which, in turn, makes it easier for us to put your interests first.
 
In addition, we are proud to be associated with an organization that has received acknowledgments of its workplace culture year after year in the Boston and San Diego areas where its home offices are staffed. The firm has been recognized 36 times and counting as a Best Place to Work by:
 
  • The Boston Globe
  • San Diego Business Journal
  • U-T (Union-Tribune) San Diego
  • Computerworld
 
More about our broker/dealer, Commonwealth Financial Network®.