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Alan J. Kramer CFP, CLTC, MBA, LUTCF
Alan J. Kramer, CFP, CLTC, MBA, LUTCF
Agent

Credentials

 

  • CFP®
     
  • CLTC-Certified Long Term Care Designee

     
  • Life Underwriters Training Council Fellow

     
  • MBA

     
  • Licensed Life Insurance Agent

     
  • Licensed Health Insurance Agent

     
  • Member of the Million Dollar Round Table (MDRT)*  (1999 - 2011)



*MDRT is recognized throughout the industry as the standard of excellence in life insurance sales performance.

CLICK HERE to sign up for complimentary financial newsletters on current economic times.

As with most other things in life, the key to achieving your long-term financial objectives is planning. Your goal may be to fund your children’s college education, protect your family during your working years, or guarantee your own retirement security. These things won’t happen by accident. It’s important to determine what you’d like to achieve financially and then map out a strategy that will help you meet those goals. The good news is that it’s never too late to start.



Of course, planning your financial future can be intimidating. Luckily, you don't have to do it alone. As a New York Life insurance agent, and a Registered Representative of NYLIFE Securities LLC I am a trained professional who can help you identify your financial needs and then determine which insurance and financial products can best help you meet your objectives.



Please use my Web site as a resource, and do not hesitate to contact me for additional information or to schedule a meeting. Thank you for your interest.




Alan Kramer is an agent licensed to sell insurance through New York Life and may be licensed with various other independent unaffiliated insurance companies in the states of NY, CT, NJ, MD and CA (CA license #0D13450)). No insurance business may be conducted outside these states referenced.



Alan Kramer is a Registered Representative of and offers securities products and services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency. In this regard, this communication is strictly intended for individuals residing in the states of NY, NJ & CA. No offers may be made or accepted from any resident outside the specific states referenced.

Alan Kramer is licensed to offer mutual funds and variable products.  Market Watch information is provided for informational purposes and is not considered an offering of securities.

 

 

 

For information or a no obligation appointment with Alan please call
(732) 967-1700.
Thank you and good planning.

 

 

 

 
Newsletters

Protecting What May Be Your Most Valuable Asset

Statistics indicate 43% of 40-year-olds will suffer at least one long-term disability (lasting 90 days or longer) before age 65. Disability income insurance could help protect your most valuable asset: your ability to earn an income.

Protect Your Business with a Disaster Readiness Plan

Most people think of hurricanes, tornados, and earthquakes as events that could seriously affect the operations of a business and result in shortages of goods and materials. But even a fire or a flood in the warehouse can cause operations to come to a grinding halt. By one estimate, one-quarter of businesses never reopen after a major calamity.

Why Realistic Expectations May Be Great

Although positive thinking can be powerful, there's a fine line between optimism and unrealistic expectations. There are possible pitfalls when overestimating how a portfolio will perform.

Consider Your Retirement Needs, but Don't Forget Your Retirement Wants

A rule of thumb is that workers will need to replace about 80% of their pre-retirement incomes to maintain their standard of living in retirement. But they may need more than 80% to fund a lifestyle that they can truly look forward to. As people grow older, what once may have been considered luxuries can become basic needs.

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