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kramsey@handwcpas.com
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Services

What We Do
We Help You Plan, Save, And Grow

Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success.

Financial Advisors

  • Financial planning is about managing your resources with purpose — from budgeting and saving to investing and preparing for the future. Each plan is crafted to fit your unique goals and circumstances, with strategies that evolve as life and market conditions change.
  • Responsible investing goes beyond financial analysis, incorporating environmental, social, and governance factors to align investment decisions with your values. Whether through ESG integration, impact investing, or shareholder advocacy, our approach evolves over time to adapt to new data and changing priorities.
  • Estate planning is about organizing how your assets are managed and distributed, both during your life and after. It can include wills, trusts, powers of attorney, and healthcare directives, all shaped by your personal wishes, family needs, and legal considerations. Regular updates ensure your plan stays in sync with life changes and evolving laws.
  • Social Security offers income based on your lifetime earnings and work history, playing a key role in retirement planning and providing support for survivors and individuals with disabilities. The timing of benefit claims can affect your monthly payments, so understanding your eligibility and options is crucial for making informed financial decisions.
  • Retirement planning is about preparing financially for the later years of life, including estimating future expenses, income sources, and potential risks. Strategies may involve saving, investing, and managing withdrawals. As personal goals, health, and economic conditions change, your plan evolves to stay on track.
  • Life insurance offers financial support to beneficiaries after the policyholder’s death, helping cover expenses like income replacement, debt, or final costs. Coverage types and amounts are tailored to individual needs and circumstances, with regular reviews ensuring the policy stays relevant as life evolves.

Certified Professional Accountants

  • As tax laws evolve, our dedication to guiding you through the tax planning process stays steady. That’s why business owners, nonprofits, and high-net-worth individuals continue to place their trust in H&W CPAs and Advisors for their tax planning and management needs.

  • Inefficient accounting and bookkeeping processes can hold your business back and increase the chance of costly financial mistakes. At H&W CPAs and Advisors, we’re more than just service providers — we’re trusted partners for all your bookkeeping and outsourced accounting needs.

    Whether you're looking for fully managed services or expert advice on sales tax reporting, we’re here to deliver personalized, transparent, and results-driven support tailored to your business.

  • Whether you’re pursuing significant financing, planning to sell your business, or meeting the demands of external stakeholders, our audit and assurance services deliver a thorough analysis of your operations and financial records—providing a trusted, expert opinion on the accuracy of your financial reporting.
  • We work like accountants, but think like business owners — which means we understand how every decision affects your bottom line. With this unique perspective, we help guide you toward smarter business decisions through our expert consulting services.

Financial Planning

Wealth management doesn’t have to feel intimidating with the right professional at your side. 

There’s no such thing as a one-size-fits-all portfolio. Your wealth management should be as unique as you are.

Responsible Investing

Investing should be easy – just buy low and sell high – but most of us have trouble following that simple advice. There are principles and strategies that may enable you to put together an investment portfolio that reflects your risk tolerance, time horizon, and goals. Understanding these principles and strategies can help you avoid some of the pitfalls that snarl some investors.

Estate

Effective estate management enables you to manage your affairs during your lifetime and control the distribution of your wealth after death. An effective estate strategy can spell out your healthcare wishes and ensure that they're carried out – even if you are unable to communicate. It can even designate someone to manage your financial affairs should you be unable to do so.

Social Security

Creating a life map involves a close review of personal finances and an assessment of other building blocks. Lifestyle matters look at how to balance work and leisure, how to make smart choices for the future, and many other items in an effort to help an individual “enjoy the journey.”

Retirement

Retirement is a significant milestone in one’s life. Our mission is to help make that transition more manageable and less stressful by building a personalized retirement strategy and offering ongoing support, unbiased advice, and objective guidance. Start preparing for tomorrow’s retirement today by contacting us to learn more or to set up a commitment-free introductory meeting.

Life Insurance

Insurance transfers the financial risk of life's events to an insurance company. A sound insurance strategy can help protect your family from the financial consequences of those events. A strategy can include personal insurance, liability insurance, and life insurance.

Resources
Knowledge As A Tool

Capital Gains Tax When Selling Your Home

Capital Gains Tax When Selling Your Home

Learn More
Spotting Credit Trouble

Spotting Credit Trouble

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How Insurance Deductibles Work

How Insurance Deductibles Work

Learn More

Let's Talk About
Your Goals

Our Mission Is to Replace Your Financial Anxiety with Relaxed Confidence. Let’s talk and see how we can help you.

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