Our Mission…

is to provide intelligent and trustworthy advisory services.

Our Vision…

is to make a profound, positive impact on the lives of you and your family.

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established in 2000, is an independent financial planning firm located in Ottumwa, Iowa. We provide fee-based investment, retirement, estate planning and insurance. We specialize in investment and retirement planning including pension programs. Our long-term commitment to our clients is built on the highest level of integrity, trust and experience.

Robert J. Kramer, ChFC, is assisted by three employees with a commitment to the highest level of personal service. A large part of our service is helping our clients preserve their assets and provide retirement income with the least amount of risk. Being an independent financial planner allows us to maintain the objectivity which is important to achieving client goals.

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Securities and Advisory Services offered through VSR Financial Services, Inc., a Registered Investment Adviser and Member FINRA/SIPC. Financial Partners, Inc. is independent of VSR.