The Financial Junk Drawer?
We all have the drawer in the kitchen filled with random items we call the junk drawer. Well, that happens in our finances too. Over the years, we are told and sold financial products by various people. Ultimately this leads to a financial junk drawer. You hope you have the right products. Did anyone teach you how to organize your different financial pieces? We want them to work in a coordinated manner to be as effective as possible.
Living in a financial drawer for too long WILL lead to financial losses in your life!
By organizing your finances, you will recover money and wealth at no cost to you. What do you have to lose?
The Journey To Financial Independence
We Walk with You Through a Financial Process of Education and Action.
Money has no use until you can spend and enjoy it the way you want to. Most people lock themselves out of the use and enjoyment of their financial resources with little knowledge of how it will benefit them. Our process will help you unlock your assets, get in control of your resources, and be in a position to maximize every dollar in each phase of your financial life: Accumulation (wealth building), Distribution (retirement years), and Preservation (making sure you don’t outlive your money and your legacy)
The process at Dan Kramer Inc focuses around your wish list intending to maximize your wealth, your benefits, and lowering your risk!
1. Discover: Start
Our first interaction in the process is the introduction. Here we spend a few minutes getting to know each other to see if we have a common interest in working with one another.
There is NO COST to work with Dan Kramer Inc and this financial process. As we work through your process of financial improvement, there will be strategies you will want to take advantage of and, there may be products or referrals that will compensate Dan and his team for their time.
This first conversation can uncover a problem, or a concern in your finances where Dan and his team can help!
2. Identify: Organize
The Organize phase is what I call the fact finder. This is where we start the process of understanding your current financial picture. You wouldn’t go to a doctor and let them start performing invasive surgery without first diagnosing the problem. After labs and imaging you would confirm the best treatment options.
It should be the same with your finances. We need to spend a bit of time getting very clear on your current situation, what your goals are and what you would like to achieve. How did you get here?
We begin to build your wish list in this meeting. Many times, you walk away with more financial knowledge than you have ever had before.
3. Visualize: Strategic Analysis
The Visualize Phase is the most valuable meeting you may ever have in your life. This is the first time most of my clients have seen ALL of their financial decisions in an organized manner. Investments, debts, insurance policies, savings, assets, and income, all on one page.
We will review your position and make sure the information is accurate. Then we will talk about how to build an ideal model that is set up to avoid failure, AND maximize the use of your dollars! This is where it gets fun.
Every financial move you make through our process is achieved with no out of pocket costs to you. Additionally, we are able to test and measure each move to make sure it will add wealth, lower risk, and maximize your benefits. You are the salesman in this process, my job is to educate you. If it doesn’t make sense to do all the things we said it would, then don’t do it.
4. Implementation: Action
The Implementation step of the process can happen over a few meetings depending on the complexity of your situation. Some people are looking to increase savings, some to lower taxes, others to add assets, lower debt, add insurance, or get their first house. Strategies and ideas are specific to your wish list.
Every meeting will end with my team sending out a follow-up email with an action list to be completed before our next conversation. We ensures our meetings are focused and action-oriented.
This is why over 80% of my new clients are referrals. My clients get results that you don’t find in a typical financial meeting and they are happy to share this process with their friends!
5. Achieve: Protect, Grow, Enjoy
The Last step is an ongoing check to make sure you are accomplishing your wish list. This is not a sales process to get you to buy something. This process keeps you in control, helps you to get the things you want, and do it in the most effective way possible.
What I’ve found is people over exaggerate what they can do in one year, and under estimate what is possible in 3-5 years. The beauty of the wish list is that it evolves with my clients. Their mindset is growing as they continue through the process. They come to realize that with a process can eliminate failure and show them strategies to unlock their assets, their income, and their potential. Anything is possible!
Live a different life with a better financial philosophy.
The initial building block to getting ahead financially is shifting your mindset. Many times, people tell themselves things that limit their ability to build wealth, make an impact, and truly make a difference.
The goal with our podcast, the YouTube channel, and the financial process is to help break down barriers in the mindset of my clients.
Saying things like, “I can’t afford that” is a limiting statement. Switch your words to, “How can I afford that?” and watch what happens over time. You will become a problem solver that searches for solutions! The mind is so powerful and as humans, we are capable of so much. We must continue to ask the right questions, and surround ourselves with people that lift us up.
My wife and I kept waiting for the pitch. Dan Kramer spent nearly four hours with us, sorting all our investments and financial statements. After it was organized, the solution became obvious. Two years later, my wife and I have reduced our debts by 47% and have merged several policies to reduce rates through bundled plans. Dan has yet to send us an invoice for his time. That is spectacular.
The 4F Forum Podcast
Dan Kramer and Ryley Smith bring you the 4F Forum Podcast where we discuss ways to build a maxed-out life in all areas of Faith, Family, Fitness, and Finances. Many times, we think the super-wealthy have to sacrifice the things that are important, such as their faith, their family life, or their physical and mental health to get ahead financially.
We created these podcasts to challenge that idea and keep our priorities aligned as we work towards building a life we can be proud of in all areas. And we hope we can inspire you all to come along and get inspired too!
Dan Kramer Inc.
3333 West Division Street #500
Saint Cloud, MN 56301
Dan Kramer Inc. is a Financial Service Provider located in the St. Cloud, MN area. With today's technology, Dan and his team are able to service client nationwide through zoom meetings and currently today services clients in more than 14 states from Virginia to Alaska, and Arizona to Minnesota! Reach out if you would like to learn more about working with Dan Kramer Inc.
This website is not delivering financial advice and is not intended to persuade viewers in any specific way. Dan Kramer Inc. is not responsible for any personal financial decisions made based on the content of this website or it's affiliate websites.