We provide professional financial counseling, advice, and tools necessary to assist in the achievement of our client’s objectives.

We exist because we are steadfast in our empathy, research, and follow-through of the solutions we have put into action for them. 

We believe that our hallmarks of implicit trust, intelligent choices, and exceptional service will build long term relationships that are mutually beneficial for our clients and the people most important to them.

Click Here To Learn About Our Beginnings

established in 2000, is an independent financial planning firm located in Ottumwa, Iowa. We provide fee-based investment, retirement, estate planning and insurance. We specialize in investment and retirement planning including pension programs. Our long-term commitment to our clients is built on the highest level of integrity, trust and experience.

Robert J. Kramer, ChFC, is assisted by two employees with a commitment to the highest level of personal service. A large part of our service is helping our clients preserve their assets and provide retirement income with the least amount of risk. Being an independent financial planner allows us to maintain the objectivity which is important to achieving client goals.