Raymond J. Kramer

MONON WEALTH MANAGEMENT

Carmel, IN 46032

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CRD#: 3247207

Professional summary

Raymond Joseph Kramer, who also goes by Raymond J Kramer, is a registered financial advisor currently at MONON WEALTH MANAGEMENT located in Carmel, Indiana.

Raymond is registered as an IAR (Investment Advisor Representative) and started their career in finance in 1999. Raymond has worked at 9 firms and has passed the Series 65, Series 63, SIE, Series 7, Series 24 and Series 9 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Raymond J Kramer

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.

1) Insurance. Not Investment Related. 99 E. Carmel Drive, Suite 160, Carmel IN 46032. Insurance. Agent. Start 3/2003. 2 hours per month during trading. I occasionally sell life insurance and fixed/indexed annuities.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Raymond Joseph Kramer's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

Certified licenses

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

None

Experience

Current

September 29, 2017 - Present

MONON WEALTH MANAGEMENT

Office #1: 99 E Carmel Dr. Suite 160, Carmel, IN 46032

CRD#: 14416

PURCHASE, NY

Past

February 19, 2003 - May 4, 2004

BANC ONE SECURITIES CORPORATION

CRD#: 16999

CHICAGO, IL

Past

November 19, 1999 - February 28, 2003

CHARLES SCHWAB & CO., INC.

CRD#: 5393

WESTLAKE, TX

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".

MONON WEALTH MANAGEMENT

HUTCHENS & KRAMER INVESTMENT MANAGEMENT GROUP, LLC | MONON WEALTH MANAGEMENT | LEGACY INVESTMENT ADVISORS

CRD#: 289413 / SEC#: 801-114130

RIA

Registered Investment Advisory firm - (10/17/2018 Approved)

Indiana

Registered Investment Advisory firm - (10/29/2018 Terminated)

Why is a state registration marked "Terminated"? When a firm registers with the SEC (usually after managing $100M+ AUM), it often withdraws separate state firm registrations unless required by that state. The firm can still serve clients there through its individually registered Investment Advisor Representatives (IARs).

State Registrations and Notice Filings

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

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

Highlighted states indicate IAR registrations

IAR

Indiana
(9/29/2017)

IAR

Texas
(3/12/2019)

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

IAR

Series 65

Date: 4/19/2006

Uniform Investment Adviser Law Examination

State Security Law Exam

Series 63

Date: 11/22/1999

Uniform Securities Agent State Law Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 11/18/1999

General Securities Representative Examination

Principal/Supervisory Exam

Series 24

Date: 8/25/2005

General Securities Principal Examination

Principal/Supervisory Exam

Series 9

Date: 11/21/2002

General Securities Sales Supervisor - Options Module Examination

Current Firm

MONON WEALTH MANAGEMENT

HUTCHENS & KRAMER INVESTMENT MANAGEMENT GROUP, LLC | MONON WEALTH MANAGEMENT | LEGACY INVESTMENT ADVISORS

CRD#: 289413 / SEC#: 801-114130

RIA

Registered Investment Advisory firm - (10/17/2018 Approved)

Indiana

Registered Investment Advisory firm - (10/29/2018 Terminated)

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Contact information

Main Address

99 E Carmel Dr. Suite 160, Carmel, IN 46032

Mailing Address

Phone number

(317) 993-3999

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (8 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

MONON WEALTH MANAGEMENT DISCLOSURE BROCHURE, BROCHURE SUPPLEMENT AND PRIVACY POLICY (10/6/2025)

Regulatory assets under management

Total Number of Accounts	1,629
AUM (Assets Under Management)	$ 452,203,251

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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Raymond J. Kramer

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Raymond Joseph Kramer's CRS (Customer Relationship Summary).

Certified licenses

Experience

PURSHE KAPLAN STERLING INVESTMENTS

WELLS FARGO ADVISORS FINANCIAL NETWORK, LLC

WELLS FARGO ADVISORS FINANCIAL NETWORK, LLC

FIFTH THIRD SECURITIES, INC.

FIFTH THIRD SECURITIES, INC.

THE HUNTINGTON INVESTMENT COMPANY

THE HUNTINGTON INVESTMENT COMPANY

CHASE INVESTMENT SERVICES CORP.

CHASE INVESTMENT SERVICES CORP.

IFMG SECURITIES, INC.

BANC ONE SECURITIES CORPORATION

CHARLES SCHWAB & CO., INC.

Primary Firm SEC Registration

MONON WEALTH MANAGEMENT

State Registrations and Notice Filings

Exams

Series 65

Date: 4/19/2006

Series 63

Date: 11/22/1999

SIE

Date: 10/1/2018

Series 7

Date: 11/18/1999

Series 24

Date: 8/25/2005

Series 9

Date: 11/21/2002

Current Firm

MONON WEALTH MANAGEMENT

Contact information

SEC notice filing (8 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

MONON WEALTH MANAGEMENT

TRUST BUT VERIFY

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