Blog
From Saving to Spending: Why Decumulation Deserves Your Attention
Saving for retirement gets a lot of attention. Spending those savings carefully can be just as important, yet it remains one of the least understood parts of financial planning. A recent survey found that only 31% of Americans ages 45...
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New Rules Just Made Grandparent 529s a Smarter Move
New rules have made grandparent-owned 529 plans a smarter move. Distributions no longer count as student income on the FAFSA, eliminating previous financial aid penalties and allowing grandparents to contribute heavily without worry.
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Why Law Enforcement Retirement Is Different — And Why Your Advisor Should Be Too
Law enforcement retirement has a unique financial architecture. From KCPERS pension nuances and tax-free early 457(b) access to massive healthcare gaps, see why you need a specialized strategy for your law enforcement career.
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Investing in What Matters Most — The Future of Smithville’s Youth
Cramer Capital Management strengthens the Smithville community through its local internship program. Highlighting their success, former intern Lindsay Peters officially rejoins the firm as a finance graduate on June 1, 2026.
Read MoreStaying the Course: How to Navigate Market Volatility Without Derailing Your Long-Term Goals
Market volatility is unsettling, but emotional reactions can derail long-term returns. Investors who stay the course — guided by a sound asset allocation plan — consistently fare better than those who try to time the market.
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Beyond the Balance Sheet: Why Community Advocacy Matters
At Cramer Capital Management, we believe wealth is built on community safety. Discover how Dawn Cramer’s 10-year advocacy on the Clay County Domestic Violence Board helps provide the security and peace of mind our neighbors deserve.
Read MoreA Vision for Growth — Bruce Cramer Named EDC Chair-Elect
Bruce Cramer has been named Chair-Elect of the Clay County Economic Development Council for 2026-2027. We are proud to support his leadership in driving regional growth and innovation for the Northland business community.
Read MoreRoom to Grow; Space to Thrive: Leading the Charge for Health Equity
Bruce Cramer is leading the LevelUp Kids "Growth Campaign" as Chair. Join us in supporting "Room to Grow; Space to Thrive," a mission to build a new permanent home for free dental and vision care for underserved Northland children.
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Build Smart and Sustainable Money Habits Today
While many believe a higher income is the primary key to wealth, true financial success is built on consistent, sustainable habits.
Read MoreSemi-Annual Luncheon Recap: Community, Collaboration, and Forward Thinking in Kansas City
On January 29, 2026, I had the privilege of hosting and participating in our Semi-Annual Luncheon in Kansas City, a city that continues to impress with its innovation, resilience, and community spirit. The gathering brought together a...
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