H. A. Kramer & Associates

He received his CERTIFIED FINANCIAL PLANNER TM mark in 2003 and the Accredited Investment Fiduciary ® designation in 2010, which are still active. He earned the Chartered Financial Consultant ® designation in 1992 and Chartered Life Underwriter ® designation in 1994 from the American College. Active in professional and civic associations, Howard also led these organizations as President: Broward Chapter Financial Planning Association (FPA), 2008 - 2009 Broward Society CLU and ChFC, 1995 - 1997 Howard and his wife Meryl love bringing people and plans together; Meryl as an accomplished realtor and Howard as a trusted confidante and advocate for friends and family. His other interests include golfing, nature and creating things. Affiliated Professionals