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"We thought to create a Wealth Management division years ago, but the timing wasn’t right. After many discussions with people in the industry, we decided to start by finding the right person, a person with integrity, someone who will build a plan and invest your money like it was his own…a true fiduciary. Eddie Kramer is our guy…a true fiduciary. Eddie fits Security State Bank & Trust’s culture and core values and will lead SSB&T Wealth Management with the same core values." - Dan Kemp, Chairman, President & CEO
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SSB&T Wealth Management believes there's a better way to invest. Your money powers a broader set of objectives that ultimately help you live the life you aspire to - both today and in the future. We look at all of your goals and the ways in which they interact. This means aligning your portfolio with your values as well as other aspects in your life - your career, your loved ones, legacy, personal risk and impact. This is why we're so passionate about serving you.
We actively collaborate with you and focus on a variety of investments. You deserve an investment plan that fits your long-term needs and risk profile, structuring your portfolio along the dimensions of expected return, using trusted investment methodology backed by peer-reviewed financial research and market studies.
We design a plan based on your goals and your purpose. We build a custom plan with clear objectives and attainable action items, using academic research and financial science to increase your odds of success. Our regular check-ins will help protect your plan and allow you to measure progress towards your goals and adjust as needed.
We have strong convictions but have a passion to progress. Investing is continuously evolving, and you can trust us to stay up to date on the issues that affect your plan.
It begins with your advisor but doesn't have to end there. The investment universe is bigger than you might expect, and you have quite a few choices when it comes to putting a financial and investment plan into action. Saving and investing are the fundamental means towards achieving your financial goals - freeing you up to focus on the area of life you value most. We're here to help you do that. We work tirelessly to find ways of potentially improving your outcomes at all stages of your financial journey.
What does a relationship with SSB&T Wealth Management mean to you and your family?
Organization | We will help bring order to your financial life, by assisting you in getting your financial house in order (at both the “macro” level of investments, insurance, estate, taxes, etc., and the “micro” level of household cash flow).
Accountability | We will help you follow through on financial commitments, by working with you to prioritize your goals, show you the steps you need to take, and regularly review your progress towards achieving them.
Objectivity | We bring insight from the outside to help you avoid emotionally driven decisions in important money matters, by being available to consult with you at key moments of decision-making, doing the research necessary to ensure you have all the information, and managing and disclosing any of our own potential conflicts of interest.
Proactivity | We work with you to anticipate your life transitions and to be financially prepared for them, by regularly assessing any potential life transitions that might be coming and creating the action plan necessary to address and manage them ahead of time.
Education | We will explore what specific knowledge will be needed to succeed in your situation, by first thoroughly understanding your situation, then providing the necessary resources to facilitate your decisions, and explaining the options and risks associated with each choice.
Partnership | We attempt to help you achieve the best life possible but will work in concert with you, not just for you, to make this possible, by taking the time to clearly understand your background, philosophy, needs and objectives, work collaboratively with you and on your behalf (with your permission), and offer transparency around our own costs and compensation.
Fee Transparency | We will provide 100% fee transparency. Fees and expenses are a drag on investment performance, and you deserve to know exactly how much you are paying for your investor’s fees. Our advisors are paid a salary. There are no hidden fees. There are no commissions.
Investment and insurance products: NOT FDIC INSURED | MAY LOSE VALUE | NO BANK GUARANTEE
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SSB&T Wealth Management, LLC is a Registered Investment Advisor with the Securities Exchange Commission. SSB&T Wealth Management, LLC and Security State Bank & Trust are affiliated entities. Investment Advisory Services are offered by SSB&T Wealth Management, LLC. Neither SSB&T Wealth Management, LLC or Security State Bank & Trust provide legal or tax advice. See your accountant or legal counsel for tax or legal advice. The information contained herein is obtained from sources deemed to be reliable.
Eddie Kramer, CFP®
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