David I. Kramer
CETERA INVESTMENT ADVISERS LLC
PLEASANT HILL, CA 94523
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CRD#: 502322
Professional summary
David Ira Kramer, CFP®, who also goes by David I Kramer, is a registered financial advisor currently at CETERA INVESTMENT ADVISERS LLC located in Pleasant Hill, California and CETERA ADVISORS LLC located in Pleasant Hill, California.
David is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 1978. David has worked at 6 firms and has passed the Series 65, Series 63, SIE, Series 7, Series 1 and Series 24 exams.
Biography
David is the owner and founder of Retirement Wealth & Tax Advisors and a Certified Financial Planner (CFP). He has been charting a course toward successful retirement for his clients for more than 40 years. He sees his role as that of a guide leading his clients through the process of intentional retirement planning so that each individual’s unique goals and dreams are a possibility. As a financial guide, he also helps his clients avoid the pitfalls of overspending and outliving retirement. David has built a team of retirement specialists and support staff, an extensive network of professionals in areas critical to retirement success, and robust technological systems to help execute his client’s visions. As a result, he has had numerous client-families work with him for generations.
David is passionate about the opportunity to change people’s lives through thoughtful financial planning, making what may seem impossible and scary rewarding and achievable. He thrives on working with others, discovering who they are and what is important to them, and playing a meaningful part in their financial health. The world, the economy, the country, tax laws, and the financial services industry and the products they offer are continually changing. David enjoys the challenge of continual learning and the ability to apply his knowledge with his clients.
Mr. Kramer became interested in financial planning after watching his parents struggle with unsatisfying jobs and low incomes. He wanted to learn how finances can work as a tool for financial independence. Early on, he began thinking about the concept of work being optional and how one would get to that point. In his research on building wealth, he discovered a book called Money Dynamics by an early pioneer in the financial planning industry, and he was hooked. A short time later, he began working at a financial firm and 43 years later he is still working to help clients make work optional.
David lives his life by the rules he uses to advise clients - he knows what is most important to him and invests in those areas while living thoughtfully in other areas enabling his own dreams to be fulfilled. As a result, he and his partner of 34 years, Susan, are avid travelers. David also enjoys skiing, watersports, learning foreign languages, and personal fitness.
Mr. Kramer holds a BS in Business from Drexel University with a concentration in Accounting. He holds Certified Financial Planner (CFP™) and Chartered Retirement Planning Counselor (CRPC™) designations from the College for Financial Planning. He received his MBA in Personal Finance Planning from Golden Gate University and was cited for outstanding academic achievement. He is an Investment Advisor Representative with Cetera Advisors LLC, an entity whose purpose is to support independent financial advisors.
Question & Answer
What are your service offerings?
Tax Planning
Long-term Care
Retirement Planning
Life Transitions
Retirement Income Management
Elder Care
Investment Planning
Estate Planning
Comprehensive Financial Planni...
Insurance Planning
Do you have an area of expertise or specialization?
Comprehensive Financial Planni...
Annuities
Buying a Home
Asset Allocation
Estate Planning
Investment Management
Getting Divorced
Real Estate
Retirement
Life Planning
Long-term Care
Men's Finances
Personal Taxes
Are you a "fiduciary"?
Yes
Aliases
David I 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.RETIREMENT WEALTH & TAX ADVISORS, FIXED INSURANCE AND FINANCIAL SERVICES DBA. 2. CONDOMINIUM ASSOCIATION, RELATED TO HOME OWNERS ASSOCIATION, CHAIRMAN OF FINANCE. 3. NAME OF OTHER BUSINESS: RENTAL PROPERTY, INVESTMENT RELATED: NO, ADDRESS: 12 LONDRES LOS EUCALIPTPOS, OJEN, MARBELLA SPAIN, NATURE OF BUSINESS: REAL ESTATE, START DATE: 05/2023, POSITION/TITLE/RELATIONSHIP: PART OWNER, LESS THAN ONE HOUR PER WEEK, NOT DURING TRADING HOURS, BRIEF DESCRIPTION OF DUTIES: PERIODICALLY RENT PROPERTY THROUGH BROKER;
CRS (Client Relationship Summary) - RIA
Click below to view David Ira Kramer's 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®
CFP®
Start date: 1987
Experience
Current
March 21, 2024 - Present
CETERA INVESTMENT ADVISERS LLC
Office #1: 3478 Buskirk Ave Suite 245, Pleasant Hill, CA 94523RIA
CRD#: 105644
PLEASANT HILL, CA
Current
January 1, 2004 - Present
CETERA ADVISORS LLC
Office #1: 3478 Buskirk Ave Suite 270, Pleasant Hill, CA 94523BD
CRD#: 10299
Pleasant Hill, CA
Past
January 1, 2004 - March 21, 2024
CETERA ADVISORS LLC
RIA
CRD#: 10299
GREENWOOD VILLAGE, IL
Past
August 13, 1998 - January 1, 2004
IFG ADVISORY SERVICES INC
RIA
CRD#: 105316
WALNUT CREEK, CA
Past
December 11, 1992 - January 2, 2004
IFG NETWORK SECURITIES, INC.
BD
CRD#: 19948
ATLANTA, GA
Past
May 1, 1992 - December 31, 1992
PLANNED INVESTMENTS INC.
BD
CRD#: 5066
ATLANTA, GA
Past
February 9, 1978 - June 10, 1992
DERAND/PENNINGTON/BASS, INC.
BD
CRD#: 4679
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".
CI
CETERA INVESTMENT ADVISERS LLC
CETERA ADVISOR NETWORKS | TERRA FINANCIAL PLANNING GROUP LTD | GENWORTH FINANCIAL ADVISERS CORPORATION | FIRST ALLIED ADVISORY SERVICES | CETERA INVESTMENT ADVISERS LLC | CETERA ADVISORS
CRD#: 105644 / SEC#: 801-20406
RIA
Registered Investment Advisory firm - (1/13/1984 Approved)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.RR
indicates the advisor is registered as a Registered Representative in this state, allowing them to offer securities such as stocks, bonds, and mutual funds through a broker-dealer.Visual representation of state registrations
RR
Arizona(1/8/2014)
RR
California(1/1/2004)
IAR
California(3/21/2024)
RR
Delaware(1/1/2004)
RR
District of Columbia(1/1/2004)
RR
Maryland(1/1/2004)
RR
Nevada(10/30/2025)
RR
New Mexico(1/1/2004)
RR
North Carolina(12/9/2020)
RR
Pennsylvania(1/22/2025)
RR
Texas(1/3/2025)
IAR
Texas(3/28/2025)
RR
Virginia(1/1/2004)
Exams
State Security Law Exam
State Security Law Exam
General Industry/Product Exam
General Industry/Product Exam
General Industry/Product Exam
RR
Series 1
Date: 2/21/1978
Registered Representative ExaminationPrincipal/Supervisory Exam
SRO Registrations
RR
FINRA
Current Firm
CI
CETERA INVESTMENT ADVISERS LLC
CETERA ADVISOR NETWORKS | TERRA FINANCIAL PLANNING GROUP LTD | GENWORTH FINANCIAL ADVISERS CORPORATION | FIRST ALLIED ADVISORY SERVICES | CETERA INVESTMENT ADVISERS LLC | CETERA ADVISORS
CRD#: 105644 / SEC#: 801-20406
RIA
Registered Investment Advisory firm - (1/13/1984 Approved)Upgrade to AdvisorCheck Premium
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Contact information
Main Address
1450 American Lane 6th Floor, Suite 650, Schaumburg, IL 60173-2096
Mailing Address
Phone number
(310) 257-7880
Established
Firm type
Fiscal year end
# of Employees
7,705
SEC notice filing (53 States and Territories)
Regulatory assets under management
| Total Number of Accounts | 584,487 |
| AUM (Assets Under Management) | $ 163,792,814,520 |
Accountant surprise examination report
| Filing Date | Form ADV-E Cover | Form ADV-E Report |
|---|---|---|
| 10/27/2025 | ||
| 12/13/2024 | ||
| 09/26/2023 | ||
| 11/18/2022 |
Red Flags
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Company Information
CETERA INVESTMENT ADVISERS LLC
CRD#: 105644Pleasant Hill, CA 94523TRUST BUT VERIFY
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Contact information
(xxx) xxx-xxxx
xxxxx@xxxx.xxx
