Arron Cramer, CFP^®, AFC®, CSLP®
Paradigm Wealth Partners

Financial Services

I provide comprehensive financial planning for individuals and couples who want to bring structure, clarity, and strategy to their financial lives. This is not a one-time planits an ongoing partnership built on trust, transparency, and shared goals. Our work together begins with understanding what matters most to you: your values, priorities, and vision for the future. From there, I develop a personalized financial plan that evolves with you over time. Areas of focus may include retirement planning, investment strategy, education funding, tax efficiency, risk management, estate planning coordination, and morealways tailored to your unique goals and life stage. Financial planning is not just about spreadsheets and projectionsits about making confident decisions today while preparing for tomorrow. I serve as a guide and sounding board through lifes changes, helping you adjust your plan as needed and stay on track toward your goals. Because I operate as a fiduciary and fee-based advisor, you can trust that my advice is objective and aligned with your best interest. Whether you're just getting started, navigating a transition, or preparing for retirement, Im here to walk alongside youwith clarity, consistency, and care.

I offer financial advice and consulting services for individuals and families who want objective, professional guidance without the need to commit to ongoing planning or investment management. This may include help navigating a financial decision, reviewing a specific area of your finances, or simply getting a second opinion. Clients can engage with me for one-time or as-needed advice, with a flat fee based on the complexity of the situation. My goal is to provide clear, actionable recommendations tailored to your needsso you can move forward with clarity and confidence.

I build and manage portfolios using a behavioral, methodical, and data-driven approachdesigned to match each clients goals and risk tolerance, while focusing on long-term alignment and cost-efficiency. Portfolios are actively monitored and include strategies such as rebalancing, tax-loss harvesting, and diversification. For suitable clients, I may also incorporate covered calls to enhance income potential.

I help clients prepare for retirement by building personalized strategies to accumulate, preserve, and distribute assets with clarity and confidence. Using professional retirement planning software, I create visual, interactive roadmaps that strengthen the advisor-client relationship and support informed decision-making. This includes planning for income needs, Social Security, Medicare, investment strategy, and tax-efficient withdrawalsall tailored to each clients goals, resources, and risk tolerance.

I help clients evaluate their options when changing jobs or retiring, including what to do with an existing 401(k) or other employer-sponsored retirement plan. This includes assessing whether a rollover to an IRA, staying in the plan, or other alternatives best align with the client's financial goals, investment preferences, fees, and overall retirement strategy. My role is to provide objective, personalized guidance so clients can make informed decisions that fit their long-term plan.

I help clients navigate estate planning as part of a comprehensive financial strategyfocusing on how assets will be preserved, transferred, and aligned with their values. While I do not draft legal documents or provide legal services, I advise on estate planning strategies such as beneficiary designations, trust structures, charitable giving, and tax-efficient wealth transfer. My role is to help clarify your goals, explore planning options, and ensure your estate strategy is fully integrated with your overall financial plan. I coordinate closely with your estate attorney to make sure everything is implemented properly and aligned with your wishes. An important part of this process also includes helping you stay organizedso that when the time comes, your estate can be settled efficiently and clearly by the next generation or chosen representatives. The goal is to provide peace of mind, knowing your legacy is protected and your plan reflects the people and causes you care about most.

Understanding tax strategies and managing your tax bill should be part of any sound financial approach. Some taxes can be deferred, and others can be managed through tax-efficient investing. With careful and consistent preparation, you may be able to manage the impact of taxes on your financial efforts.

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 snare some investors.

I help clients evaluate and manage financial risk as part of a comprehensive financial plan. This includes assessing exposures such as loss of income, disability, long-term care needs, premature death, and property-related risks. I also coordinate with clients on retiree-specific insurance needs, including Medicare planning and long-term care. Suppose the plan identifies a need for insurance coverage, such as life, disability, long-term care, or property and casualty. In that case, I refer clients to an insurance agent for solutions aligned with their goals. My role is to guide clients in making informed decisions and help protect them from being sold policies that don't support their overall financial strategy. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification, asset allocation and rebalancing do not protect against market risk. Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs.

One of the keys to a sound financial strategy is spending less than you take in, and then finding a way to put your excess to work. A money management approach involves creating budgets to understand and make decisions about where your money is going. It also involves knowing where you may be able to put your excess cash to work.

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.

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 wise choices for the future, and many other items in an effort to help an individual enjoy the journey.

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 snare some investors.

Where will your retirement money come from? If you're like most people, qualified retirement plans, Social Security, personal savings, and investments are expected to play a role. Once you have estimated the amount of money you may need for retirement, a sound approach involves taking a close look at your potential retirement-income sources.

I help clients evaluate their options when changing jobs or retiring, including what to do with an existing 401(k) or other employer-sponsored retirement plan. This includes assessing whether a rollover to an IRA, staying in the plan, or other alternatives best align with the client's financial goals, investment preferences, fees, and overall retirement strategy. My role is to provide collaborative, personalized guidance, enabling clients to make informed decisions that align with their long-term plans.

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. LPL Financial Representatives offer access to Trust Services through The Private Trust Company N.A., an affiliate of LPL Financial.

I provide tax-aware financial planning designed to help clients minimize unnecessary tax exposure and improve efficiency across their financial life. While I do not prepare tax returns or provide formal tax filing services, I offer strategic guidance in areas such as investment income, Roth conversions, account contributions, charitable giving, wealth transfers, and company stock plansincluding RSUs, ISOs, NQSOs, and ESPPs. These strategies are always considered within the context of your overall financial plan and coordinated with your CPA or tax professional to ensure proper implementation and compliance with current tax law. My goal is to help you make informed, tax-smart decisions that align with your goalswhile working collaboratively with your accountant to ensure everything fits together in a cohesive, client-centered strategy.

I offer investment advice and management services tailored to each clients goals, risk tolerance, and long-term financial strategy. For clients who prefer to manage their own portfolio but want a financial plan to guide their investment decisions, I provide personalized, one-time or ongoing advice as part of a broader planning relationship. My role is to help you align your investments with your financial goalswhether that means reviewing asset allocation, identifying potential risks, or improving tax efficiency. I dont sell investment products or receive commissions, so my advice is objective and focused solely on whats best for you. For clients who prefer a more hands-on approach, I also offer full portfolio managementbuilding and monitoring investment portfolios in-house using a behavioral, methodical, and data-driven process. This includes ongoing rebalancing, diversification, and tax-aware strategies. Whether you want to manage your own portfolio with professional guidance or delegate the day-to-day management entirely, Ill help ensure your investment strategy stays aligned with your bigger financial picture.

I help clients evaluate and manage financial risk as part of a comprehensive financial plan. This includes assessing exposures such as loss of income, disability, long-term care needs, premature death, and property-related risks. I also coordinate with clients on retiree-specific insurance needs, including Medicare planning and long-term care. If the plan identifies a need for insurance coveragesuch as life, disability, long-term care, or property and casualtyI refer clients to an insurance agent for solutions aligned with their goals. My role is to guide clients in making informed decisions and help protect them from being sold policies that dont support their overall financial strategy.

I help clients take control of their day-to-day finances by developing strategies for managing cash flow, budgeting, savings, and debt repayment. This process is tailored to each clients lifestyle, goals, and values, and often serves as the foundation for broader financial planning. The goal is to bring clarity and structure to financial decision-making, so clients can use their income intentionally and build toward long-term success.

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.