Howard Kramer, CFP®, AIF®

Senior Advisor
(305)722-0091, ext. 2

I founded H. A. Kramer and Associates, PA (as a Registered Investment Adviser since 1999) over three decades ago to help outstanding families, professionals, and business owners who want to grow and protect their wealth.  I chose to bring my expertise to Merited Wealth, LLC (FKA Stephen A. Taylor Wealth Management) after a successful and rewarding 23 year affiliation with Commonwealth Financial Network. I’m excited to enter this stage of my career with Steve and his team, merging our resources and skills with a vision and commitment for service excellence.Before making any recommendations, I takes care to truly understand clients’ unique circumstances and uncover what is important to them. Then I develop strategies to help build efficient portfolios, manage risk, create succession plans, organize finances, and simplify complex issues and situations.I am married to my fabulous wife Meryl Kramer for 39 years. I am blessed with two wonderful sons, Matthew (Lauren) and Spencer (Nataly), grandchildren Landon, Drew, Aryeh, and Daniel, and a new rescue puppy named Charley.


Merited Wealth, LLC (FKA Stephen A. Taylor Wealth Management), Miami, Florida,

Senior Advisor, 7/2021 –  Present

State of Florida Registered Investment Advisor committed to guiding our clients towards long-term financial success. Our goal is help simplify our client’s lives through the power of financial planning and investment management.

H.A. Kramer and Associates, PA Plantation, Florida

State of Florida Registered Investment Adviser

Owner, 11/1989 – Present

Howard is a CFP®, Certified Financial Planner™ practitioner. He is an AIF®, Accredited Investment Fiduciary®. Howard guides his clients toward creating a meaningful life and legacy. He has expertise in helping women to recover and navigate widowhood, divorce, caregiving, retirement, business succession and more. He was also a member FINRA, holding FINRA securities registrations 7, 24, and 63. He is life and health insurance-licensed in Florida, California, and Michigan.

Howard specializes in wealth counseling in: Business Planning, Estate Planning, Retirement Plans, Tax Planning, Real Estate Investing, Risk Management – Insurance, Alternative Investments, Medicare & Social Security, Succession Planning, Legacy                    Planning,   End of Life Matters, Understanding of Cognitive Biases & Investor Behavior, and numerous topics of importance specific to being an entrepreneur and aging with purpose and grace.

Commonwealth Financial Network, Waltham, Massachusetts      

Registered Representative and Investment Advisor Representative, 1/1998 – 6/2021

Full Registered Representative Experience


Financial Planning Association of Broward,  President,  2009-2010

American Society of CLU and ChFC, President Broward Chapter, 1991 – 2001


Building, Gardening, Golf, Skiing, Adventure