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RIA / WealthAdvisorCertified Financial Planner38 years in industry

HOWARD ALLEN KRAMER

Advisor at COMMONWEALTH FINANCIAL NETWORK

Plantation, FL

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Search this name across graphsid dfx:ria:b2bff9a0-8d2c-5ba5-6952-ae893825c23e

Data as of Sep 14, 2026 (this record's last observation) from federal regulator filings. Page built Sep 21, 2026, 1:13 PM UTC and rebuilt at most every 15 minutes.

Relationships: 4
Dated events: 2
On other graphs: 0
Observed: Jul 30, 1998 to Sep 14, 2026

Across DFX

This entity has not been resolved onto another DFX graph by a shared identifier. A name match elsewhere would be a candidate, never an identity, and none is recorded.

Facts

fact = as filed or announced; derived = computed by DFX; estimate = a band, never a point

Current firm: COMMONWEALTH FINANCIAL NETWORK
Current firm class: national broker-dealer RIAderived
Book size: not publicno per-advisor AUM is published by the SEC, FINRA or IAPD, and DFX estimates none
Industry start: Sep 29, 1987earliest registration or exam on IAPD
Years in industry: 38derivedfrom the industry start date
Years at current firm: 4derivedfrom the current registration's begin date
Prior firms: 3
Current registrations: 1
Registered states: 1
Designations: Certified Financial Planner
Exams: S63
First exam: Sep 29, 1987
First registration: Jul 30, 1998
Dual registered: no
IAPD individual key: 1742120

Registration history

registration spans on IAPD; the basis says whether the span is a current registration or a prior employment record

Firm	Class	Began	Ended	Current	Branch	Basis
COMMONWEALTH FINANCIAL NETWORK	National bd RIA	Jun 2, 2022	n/a	yes	Plantation, FL	Current employment
MERITED WEALTH, LLC	Independent wealth	Jul 7, 2021	May 31, 2022	no	PLANTATION, FL\|PLANTATION, FL\|NORTH BAY VILLAGE, FL	Previous registration
H. A. KRAMER & ASSOCIATES, PA	n/a	Aug 11, 1999	Sep 1, 2022	no	PLANTATION, FL	Previous registration
COMMONWEALTH FINANCIAL NETWORK	National bd RIA	Jul 30, 1998	Jun 30, 2021	no	PLANTATION, FL\|PLANTATION, FL	Previous registration

Moves

a move is two registration dates; a bulk corporate re-registration is typed BULK_TRANSFER and is not a move

From	To	Left	Joined	Gap, days	Kind	Move type
H. A. KRAMER & ASSOCIATES, PA	MERITED WEALTH, LLC	Sep 1, 2022	Jul 7, 2021	-421	Firm change after gap	Other
MERITED WEALTH, LLC	COMMONWEALTH FINANCIAL NETWORK	May 31, 2022	Jun 2, 2022	2	Firm change	RIA to ibd
COMMONWEALTH FINANCIAL NETWORK	H. A. KRAMER & ASSOCIATES, PA	Jun 30, 2021	Aug 11, 1999	-7,994	Firm change after gap	Other

Relationships

Registered with (3)

→ COMMONWEALTH FINANCIAL NETWORKRegistered adviserregistration: previous registration
Jul 30, 1998 to Jun 30, 2021factForm ADV
→ H. A. KRAMER & ASSOCIATES, PARegistered adviserregistration: previous registration
Aug 11, 1999 to Sep 1, 2022factForm ADV
→ MERITED WEALTH, LLCRegistered adviserregistration: previous registration
Jul 7, 2021 to May 31, 2022factForm ADV

Dated events

Occurred
Sep 1, 2022
Advisor changed firm
Howard Allen Kramer left H. A. Kramer & Associates, Pa for Merited Wealth, Llc (registered 2021-07-07)
Form ADVobserved 6 days ago
Occurred
May 31, 2022
Advisor changed firm
Howard Allen Kramer left Merited Wealth, Llc for Commonwealth Financial Network (registered 2022-06-02)
Form ADVobserved 6 days ago