Specialized Planning for the People We Know Best
Before we talk about services, we want to understand you. Maybe you are a business owner thinking about what comes next, a retired sergeant weighing a pension decision, or a family trying to make wise choices for the next generation. Wherever you are starting from, our role is to listen first, understand what matters most, and help you find the path that fits.
Four audiences. Four different conversations. One relationship-focused team.
20
Years serving the KC community
1987
Bruce's advisory career began
5
Generations of Cramer enterprise
Where Do You See Yourself?
Business Owners
When you own a business, financial decisions are rarely just business decisions. They affect your family, your employees, your future, and the life you are building outside the company. We help you bring those pieces together, from the retirement plan and tax strategy to succession, exit planning, and what comes next for you personally.
Company retirement plans · Succession and exit · Buy-sell and key person · Business valuation resources · Owner tax planning
Private Wealth
As your financial life grows, it helps to have someone who knows the full story. We look across investments, taxes, estate planning, charitable goals, family priorities, and risk, so important details do not get lost in separate conversations. Our goal is to help your wealth feel more organized, intentional, and connected to the people and purposes you care about.
Portfolio management · Tax-efficient investing and loss harvesting · Estate planning coordination · Generational wealth · Charitable giving
Pre-Retirees & Retirees
Retirement planning is about more than leaving work. It is about feeling ready for the next chapter with a plan that feels steady, flexible, and clear. We help you think through when to claim benefits, which accounts to draw from first, how to create income you can rely on, and how to keep your plan aligned with the life you want to enjoy. Along the way, we make space for the questions that matter most to you and your family.
Retirement income planning · Social Security timing · Distribution sequencing · Long-term care · Legacy coordination
Law Enforcement & First Responders
You spent your career protecting others. When retirement decisions come quickly, from pension elections and deferred compensation to healthcare before Medicare, we help you sort through them with care. Dawn Cramer’s service on the Kansas City Board of Police Commissioners gives our team a community-informed perspective.
KCPERS pension planning · 457(b) strategy · Healthcare bridge · Disability and survivor benefits · Early retirement income
Different Needs. The Same Standard.
Every client comes to us with a different story. What stays the same is the care, attention, and follow-through we bring to the relationship.
1. A team, not a single advisor
You should never feel like your plan depends on one person knowing your story. More than one member of our team understands your situation, your goals, and the details that matter, so you have a group of people working together and looking out for you over time.
2. Education before recommendation
We want you to feel informed, not overwhelmed. Before we make a recommendation, we take time to explain the options, answer questions, and make sure the plan feels clear enough to share with the people closest to you. You can expect plain language, honest guidance, and no pressure.
3. A process you can see
A good planning relationship should feel clear and steady. We walk you through a process you can understand, with regular touchpoints and practical next steps. You will know what we are working on, why it matters, and what comes next.
4. Technology, with a person behind it
Cetera’s AdviceWorks platform gives you a clear, real-time view of your financial picture. Just as important, you will have people you can call when life changes, questions come up, or you simply want to talk through a decision. Technology supports the relationship; it never replaces it.
5. Roots you can check
This is home for us, too. Our children went to school here, our relationships are here, and our commitment to this community runs deep. We built Cramer Capital Management here because we care about the people and families who make this region what it is. Our civic work with the Clay County Domestic Violence Board, the Let’s Get Jazzed fundraiser for Newhouse, and the Smithville Warriors is one way we stay connected and give back.
Let’s Find the Right Starting Point
You may see yourself in more than one place, and that is perfectly normal. A business owner preparing for a sale may also be thinking seriously about retirement. A retired lieutenant with rental property and a family trust may also need private wealth planning. These groups are simply a starting point for a better conversation.
If you are not sure where you fit, we would be glad to talk it through with you. The first conversation is complimentary. We will listen, get to know your situation, and be candid about whether our team is the right fit to help.