Kramer Wealth Management, Terms and Conditions of Use
Last Updated: 10/19/2026
1. Acceptance of Terms
Welcome to Kramerwm.com (the “Site”), owned and operated by Kramer Wealth Management (“Firm,” “we,” “us,” or “our”). By accessing or using this Site, you agree to comply with and be bound by these Terms and Conditions of Use (“Terms”). If you do not agree to these Terms, please do not use this Site.
2. No Investment Advice or Financial Solicitation
The information, materials, and content provided on this Site are for informational and educational purposes only.
Not Advice: Nothing on this Site constitutes a solicitation, recommendation, endorsement, or offer by Kramer Wealth Management to buy or sell any securities or other financial instruments.
No Relationship: Your use of this Site, including sending an inquiry through our contact form, does not create an investment advisory relationship between you and Kramer Wealth Management. An advisory relationship is only established after you sign a formal, written Investment Advisory Agreement with our firm.
Seek Professional Counsel: Past performance is no guarantee of future results. Investing involves risk, including the potential loss of principal. You should consult with a qualified financial advisor, tax professional, or legal counsel before making any investment decisions.
3. Geographic Restrictions
Kramer Wealth Management is a Registered Investment Advisor [registered with the SEC / licensed in the State of California]. We may only transact business in states where we are properly registered, notice filed, or qualify for an applicable exemption. The information on this Site is intended strictly for residents of the United States and jurisdictions where the Firm is authorized to operate.
4. Intellectual Property Rights
All content on this Site—including text, graphics, logos, images, articles, and software—is the property of Kramer Wealth Management or its content suppliers and is protected by United States copyright, trademark, and intellectual property laws. You may view and download material from this Site solely for your personal, non-commercial use, provided you do not alter any copyright or proprietary notices.
5. Disclaimer of Warranties
This Site and all its contents are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied. Kramer Wealth Management does not warrant that the Site will be uninterrupted, error-free, secure, or free of viruses. We make reasonable efforts to ensure the accuracy of the information presented but assume no liability for errors or omissions in the content.
6. Limitation of Liability
To the fullest extent permitted by applicable law, Kramer Wealth Management, its affiliates, officers, directors, and employees shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your access to, use of, or inability to use this Site, even if we have been advised of the possibility of such damages.
7. Governing Law
These Terms and your use of the Site shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles. Any legal action arising out of these Terms shall be filed exclusively in the state or federal courts located in California.
8. Modifications to Terms
We reserve the right to change or update these Terms at any time without prior notice. Your continued use of the Site following the posting of any changes constitutes your acceptance of the revised Terms.
9. Contact Information
If you have any questions regarding these Terms and Conditions, please contact us at:
Firm Name: Kramer Wealth Management
Email: paul@kramerwm.com
Phone: 916-385-9702