About our Qualifications

Advisor Credentials  

David I. Kramer, MBA, CFP®

Certified Financial Planner

• Over 33 years experience in financial services.

• Founding principal of Retirement Wealth & Tax Advisors and the predecessor firm Wealth & Tax Advisors, Ltd

• Specialty areas are retirement and pre-retirement planning, and income and estate tax reduction. 

• CERTIFIED FINANCIAL PLANNER ® practitioner  CFP(sm)

• Masters Degree in Financial Planning from Golden Gate University where he received a citation for outstanding academic achievement

• B.S. Degree in Accounting with an emphasis in investment analysis and finance from Drexel University.

• Completed Accredited Investment Management Consultant course. This is a curriculum of advanced studies on fiduciary money management and investment  portfolio management based on "Modern Portfolio Theory". 

• Authored financial and retirement planning software

• Registered Representatives, Registered Securities Principal and Investment Advisory Associate with Multi Financial Securities Corp. 

• A member in good standing of the Financial Planners Association (FPA) and Diablo Valley Estate Planning Council

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• long time member of Retirement Wealth & Tax Advisors Professional Network.

• Yale law school graduate

• assists RWTA in formulating estate tax reduction strategies

• decades of experience in estate planning, tax planning, charitable giving, probate, guardianships and conservatorships.  

• His firm also focuses on legal services for small businesses.

• has assisted many RWTA clients in their estate planning and estate planning documents such as living trusts, wills, durable powers of attorney, advanced health care directives, irrevocable life insurance trusts and charitable remainder trusts. 

• long time member of Retirement Wealth & Tax Advisors Professional Network

• masters in taxation from Golden Gate University

• over 30 years of experience in income and estate tax planning

• has prepared income taxes for many RWTA clients and helps RWTA in formulating tax reduction strategies

• His firm, focuses on accounting, tax and audit services for family businesses

• has assisted RWTA clients in the administration of their trust accounts  

* Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame logo), which it awards to individuals who successfully complete initial and ongoing certification requirements.