Rollover Management

Deciding what to do with retirement savings requires careful consideration of many factors. The decision you make today can have significant impact on the amount of money you will have after retirement. We help our clients understand their options, evaluate the tax consequences of each alternative and take the necessary steps to implement a strategic plan.

Tax Planning

Our services help our clients take full advantage of tax savings opportunities to help minimize or defer exposure. Our tax specialists also stay abreast of proposed tax laws so our clients can prepare for future changes.

Retirement Planning

We provide both short and long-term retirement planning advice for clients seeking financial security after retirement. Our retirement specialists will evaluate and assess all existing retirement accounts- pensions, IRAs, SEPs, annuities- and make recommendations to create a steady income stream during retirement and meet required minimum distribution rules.

Experience

Principals have more than 68 years of combined investment experience.

Knowledge

Principals giving advice hold either the Chartered Fianncial Analyst (CFA) or the "Certified Financial Planner" certification

Trust

Each of our staff is trained according to the highest standards and principles and commited to high ethics and integrity.

Customer Service

Care is given to provide personal attention to each investor and to ensure complete understanding of your investment goals. We conduct periodic portfolio reviews and maintain ongoing communication to keep each client informed and involved.

Yes!

Contact Kraematon Investment Advisors at (781)-431-9425 or email gc@kraematonia.com. There is no cost for an initial portfolio review.

Fidelity Investments

Yes, a typical account will only have approximately 30% in Fidelity mutual funds.

The stock portion of the portfolio is managed on a continuous basis. Mutual funds are reviewed at a minimum of once a month and often times more than that. The following mutual fund factors are reviewed: screening performance versus respective peer group for year-to-date, 1 year, 3 years, and 5 years, manager changes, size of fund, risk to return ratios: alpha & sharpe.

Typically we review a new client's portfolio after the first 3 months and then have client reviews every 6 months afterwards. The frequency of reviews vary depending on the clients desire.

Your assets are held at Fidelity so the financial stability of Kraematon has absolutely no bearing on your investment account.

The client can view their account on-line at www.fidelity.com on a daily basis. They will receive a monthly statement from Fidelity Investments. Clients will also receive comprehensive portfolio reviews from Kraematon Investment Advisors approximately every 6 months.

Our Advisory Agreement requires clients to grant KIA discretion over their accounts. Therefore our advisors can trade this account. If the client wants to be notified before trading, we will honor that request.

Kraematon Investment Advisors is a fee based Investment Advisor, meaning we do not receive commissions or any other transactional or sales based compensation. The investment management fee ranges between .5% and 1% depending on the amount of assets managed. A fee is then deducted from your account on a quarterly bases.