Chris Kramer | (909) 233-8107
Integrity Strategic
Advisors
Get Out of Debt •  Plan for College
Save in a Risk-Free and Potentially Tax-Free Environment

Money Strategies that Work
Achieve a level of financial independence most only dream of. 
Effective approach

Enjoy a substantial amount of retirement money through simple saving and spending plans. 
Make your own informed decisions 
The decisions you make now will affect your future.  
 Would you like to FEEL as if you had more money without having to make a penny more? 
For many Americans, there’s only so much money every month. 

We get our paycheck. We pay our bills. We have the best intentions to save, to put more away, but something always comes up, and we end up at the end of the month barely making ends meet.

Some of us are very diligent about saving money—but you feel like if you spent any extra, you won’t have enough money to cover life’s inevitable emergencies or run out of money in retirement.

Neither scenario works. It leaves you feeling powerless over your finances.

Money is very important. It’s not something you should waste needlessly. It’s got to be put to work.

Right now, you’re probably working very hard to make the money you do. But there comes a time when you can’t work or no longer want to work—and if at that time your money isn’t working for you, then you’re “up a creek.”

That’s not any fun and definitively not a way to live life. 
I'm Chris Kramer
"I help my clients manage their cash flow, reduce their debt and optimize what they have with a goal of increasing their net worth by over a million dollars without spending or making more money."
I have been helping families and business owners for two decades. For many years, I was a registered rep, working with people’s money in the stock market. 

From that experience, I learned something about this industry and the brokers/advisors: they either want you to save more—which means cutting expenses. OR, more likely, they focus on what you have already accumulated.
 
They all-too-often say, “I can manage that money better and provide you higher returns."  Well, usually, going after higher returns also means “taking on more risk.”

That doesn’t always work out. Because as we know too well, when you risk more, you may make more, but you also stand to lose more. That’s a fact of life.

Risk is a choice when you invest. But what many don’t realize is that you don’t have to take risk to get decent returns. It’s important that you are not risking the money you’re saving for your golden years.

I also tell my clients, once you establish your base for retirement and know you are going to have a steady income for the remainder of your life—go for it. Be one of the high flyers with the money you’re okay with risking.

But here’s the problem. You may not know there are options that can give you decent rates of return without risking any of your money.

It is imperative that you know what your choices are. How can you make any kind of choice, let alone a good one, if you don’t have all the information you need? You can’t. 
* MISSION ONE MILLION retails for $24.95, but I bought it for you!
Get Your Copy!
I, along with a nationwide team of financial services professionals,  are on a mission to help get One Million People Out of Debt and Create Wealth One Family at a Time.

If you’re interested getting out of debt, building wealth, or becoming financially independent—this book is a must read!

MONEY TIPS
Free Tips & 'How-To' Information
Updated every 1 to 3 weeks, this webinar series will provide you great insights into how money works.

Hosted by key industry leaders, you will learn helpful hints and little-known secrets on how to save, keep, grow, and protect your money.

Pause the video for more options and links to free downloads on the video topic.

Visit Often. Topics change regularly.
CUSTOM JAVASCRIPT / HTML
“Winning is only half of it. Having fun is the other half. ” 
~ Bum Phillips
Take Control of Your Financial Future -
No Luck or Guesswork Required!
Free Download!
CLICK BELOW to download a free chapter of My Family Financial Miracle by my friend and colleague, Merle Gilley. 

He’s helped thousands take control of their money, and you might find his ideas useful.
CUSTOM JAVASCRIPT / HTML
Money is a game. To win, you need to know the rules—
or trust someone who does. 
Like any game, money has an offense, a defense, and game managers. 

Most advisors and investors play from the offensive side of things. It’s the typical “take more risk, get higher returns,” (but no mention of the potential devastating losses). This is not effective game-management strategy. 

What if you looked at the defensive side first—find out where the holes are and plug them? 

What if you looked at your assets from a preservation mindset—meaning “never lose any of that money” as well as minimizing or even eliminating taxes (which can eat large chunks of money). This follows Warren Buffet’s 2 rules for investing: Rule #1, Never lose money, Rule #2, see rule #1. 
There are 3 types of money—most people don’t know this, by the way: 
  •  Type 1: accumulated money—this is what you already have and what most advisors concentrate on. 
  •  Type 2: lifestyle money—this is the money you spend not just on bills but all the fun you have. Some advisors want to take money away from here by asking you to tighten your belt.  
  •  Type 3: transferred money. These are dollars you are unknowingly transferring away. This is where I focus most of my efforts.
If you can hold on to more transferred money, you will have more money for 1: (accumulation for retirement) and 2: your lifestyle.   
The key to winning this game is to know how to better manage your transferred money.  

Some of these transferred dollars are:  
  • The fees you pay someone to manage your money. What do you get for paying these fees? 80% of mutual fund managers actually perform WORSE than the market.  
  •  Taxes—especially the deferred kinds that come with qualified plans like IRA’s or 401 (k) plans. There are better ways to structure taxes to your advantage, possibly even enjoying tax-free money.   
  •  Market losses—once you lose money in the market, those dollars can never be recovered. There are ways to take advantage of market-like gains without risking any of your money in the actual stock market. 
  •  A properly managed mortgage. Most people think their mortgage is their biggest liability. It can actually be one of your best-performing assets. It’s about optimizing it and managing it correctly. 
There are several more "transferred" dollar examples.  Recently, after utilizing a client’s "transferred" dollars, I was able to increase his overall retirement income by over $1 million (from $2.8 million to over $3.8 million) and at the same time, reduced his tax liability by over $200k (from $720k to 503k).  These concepts and strategies, when employed, are very powerful!   

In addition, there are some enhanced leveraged strategies for business owners that are incredible for wealth acceleration and business succession planning, such as funding buy/sell agreements and key-man insurance and wealth transfer.

You should never sacrifice today for tomorrow. You can live for today as well as ensuring a secure “tomorrow.” And you can do that making the VERY SAME AMOUNT YOU MAKE NOW.

Call me to find out how I can be your effective game manager and live life fully—and without worry—today! 
100% Free Consultation
Financial, retirement and insurance planning all begins with a simple conversation.
Retirement Planning
It's never to late or too early to start. The important thing is to Start Today.
Consumer Advocacy
I’m interested in finding out about you and what you need for your money.
Serving the Greater Southern California Region
Start Your Free Consultation
 I look forward to meeting you.
 2023 Integrity Strategic Advisors
5857 Pine Ave. Suite B. 
Chino Hills, CA 91709 
(903) 233-8107
CUSTOM JAVASCRIPT / HTML
CUSTOM JAVASCRIPT / HTML