Kay E. Kramer

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CRD#: 1351681

Professional summary

Being a previously registered professional could mean that this person is no longer operating under the supervision of the SEC or FINRA.

That means that the Securities and Exchange Commission may not be able to oversee the services that this specific professional is providing.

Kay Ellen Kramer, CFP® was a registered financial professional .

Kay is a previously registered financial professional and started their career in finance in 1985. Kay had worked at 7 firms and has passed the Series 63, Series 7, Series 51 and Series 24 exams.

Question & Answer

Are you a "fiduciary"?

Aliases

None

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

The advisor shows no other business activity.

Blog Corner

CRS (Client Relationship Summary)

The CRS(Customer Relationship Summary) document is not provided.

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

CFP^®

Certified Financial Planner

Experience

Past

April 1, 2014 - December 31, 2021

BIRCHWOOD FINANCIAL PARTNERS, INC.

RIA

CRD#: 169962

EDINA, MN

Past

November 21, 2012 - August 15, 2014

ADVISORNET WEALTH PARTNERS

RIA

CRD#: 113074

EDINA, MN

Past

June 18, 2007 - December 31, 2012

CETERA WEALTH SERVICES, LLC

RIA

CRD#: 13572

EDINA, MN

Past

August 7, 1996 - December 31, 2012

CETERA WEALTH SERVICES, LLC

CRD#: 13572

EDINA, MN

Past

September 13, 1991 - August 16, 1996

AMERICAN CAPITAL CORPORATION

CRD#: 16124

VALLEY FORGE, PA

Past

July 21, 1989 - September 17, 1991

VSR FINANCIAL SERVICES, INC.

CRD#: 14503

OVERLAND PARK, KS

Past

June 1, 1988 - July 29, 1989

INTERCAP FINANCIAL CORPORATION

CRD#: 15420

Past

March 20, 1985 - June 6, 1988

JOHN HANCOCK DISTRIBUTORS LLC

CRD#: 5249

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

BIRCHWOOD FINANCIAL PARTNERS, INC.

BIRCHWOOD FINANCIAL PARTNERS, INC. | KRAMER LOTHROP BREWER FINANCIAL | KLB FINANCIAL

CRD#: 169962 / SEC#: 801-79443

RIA

Registered Investment Advisory firm - (4/1/2014 Approved)

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

Visual representation of state registrations

This advisor is not registered in any state.

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.

Exams

State Security Law Exam

Series 63

Date: 3/26/1985

Uniform Securities Agent State Law Examination

General Industry/Product Exam

Series 7

Date: 3/16/1985

General Securities Representative Examination

Principal/Supervisory Exam

Series 51

Date: 3/13/2003

Municipal Fund Securities Principal Examination

Principal/Supervisory Exam

Series 24

Date: 8/29/1996

General Securities Principal Examination

Current Firm

BIRCHWOOD FINANCIAL PARTNERS, INC.

BIRCHWOOD FINANCIAL PARTNERS, INC. | KRAMER LOTHROP BREWER FINANCIAL | KLB FINANCIAL

CRD#: 169962 / SEC#: 801-79443

RIA

Registered Investment Advisory firm - (4/1/2014 Approved)

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Contact information

Main Address

5601 Green Valley Dr. Suite 600, Bloomington, MN 55437

Mailing Address

Phone number

(952) 885-9088

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (10 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

FORM ADV2, APPENDIX 1 (5/30/2025)

FORM ADV2A (5/30/2025)

Regulatory assets under management

Total Number of Accounts	1,720
AUM (Assets Under Management)	$ 743,954,960

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

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Advisor Monitoring

Firm Stability Insights

Kay E. Kramer

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary)

Certified licenses

Experience

ADVISORNET WEALTH PARTNERS

CETERA WEALTH SERVICES, LLC

CETERA WEALTH SERVICES, LLC

AMERICAN CAPITAL CORPORATION

VSR FINANCIAL SERVICES, INC.

INTERCAP FINANCIAL CORPORATION

JOHN HANCOCK DISTRIBUTORS LLC

Primary Firm SEC Registration

BIRCHWOOD FINANCIAL PARTNERS, INC.

State Registrations and Notice Filings

Exams

Series 63

Date: 3/26/1985

Series 7

Date: 3/16/1985

Series 51

Date: 3/13/2003

Series 24

Date: 8/29/1996

Current Firm

BIRCHWOOD FINANCIAL PARTNERS, INC.

Contact information

SEC notice filing (10 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

BIRCHWOOD FINANCIAL PARTNERS, INC.

TRUST BUT VERIFY

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