Steven Kramer | Modern Woodmen Financial Representative

Steven Kramer

FIC, LUTCF

Steven Kramer

FIC, LUTCF

Modern Woodmen membership is about relationships. We take time to get to know you and your needs. Get to know me and how we might connect.

Contact Steven Kramer
At work

At work

At work

Why I do what I do

Why I do what I do

I’m passionate about helping my members determine their financial goals. We work together to create a plan based on their unique needs. I enjoy improving the lives of my members.

I serve members in…

southeastern Wisconsin and northern Illinois.

I can help you plan for life using a variety of tools, including…

life insurance, annuities, stocks, bonds, ETFs, mutual funds, wrap accounts, investments and variable annuities.

I enjoy working with…

people planning for retirement and business owners.

I attended…

the University of Wisconsin-Whitewater.

Before Modern Woodmen, I…

worked in financial field for eight years as an equity trader, stockbroker and commodities broker.

I chose Modern Woodmen because…

of its fraternal difference -- and how we care about our members and their communities. You can plan your financial future anywhere. Here, you're a member!

The best part of my career is…

assisting people, whether it's developing a spending plan, giving them peace of mind by protecting their family with life insurance, or putting them in a position to retire. The best part of this career is when a member calls and shares their gratitude.

“I can help you plan for life using a variety of tools, including life insurance, annuities, stocks, bonds, ETFs, mutual funds and variable annuities.”
At home

At home

At home

My life outside of work

My family includes…

my wife, Rhianna; my stepchildren, Hailiegh and Hayden; my daughter, Lexy; and my dog, Lenny.

My personal motto is…

Delight yourself in the Lord; And He will give you the desires of your heart. Commit your way to the Lord, Trust also in Him, and He will do it. Psalms 37:4

My hidden talent is…

trivia. I've been known as the encyclopedia of worthless knowledge.

Community impact

In the community

In the community

My local community impact

I have lived in my community…

my entire life, with a brief four years in Europe.

What I like best about my community is…

it's a Wisconsin thing.

I’m a member of…

VFW Twin Lakes Post and the Wales Business Group.

My favorite volunteer activities are…

gala fundraising events, church ministries and youth groups. Also, any event where we can make a positive impact on people's lives.

It’s very important to me to support my community. My favorite Modern Woodmen programs are:

Matching Fund projects to raise money for those in need.

Current insights

Current insights

Saving money doesn't have to be complicated. A few smart habits, like budgeting, tracking spending and setting savings goals, can help strengthen your financial future. Swipe for some simple money-saving do's and don'ts. What's your favorite money-saving tip? Share it in the comments!

Life insurance isn't one-size-fits-all. · Term life insurance: Coverage for a specific period, often 10, 20 or 30 years. A popular option for those looking for affordable protection during key life stages. · Whole life insurance: Provides coverage for your entire life (as long as premiums are paid) and builds cash value over time. Offers protection that's designed to last. · Universal life insurance: Provides lifelong coverage as long as you pay premiums and meet policy requirements. Also offers flexibility to adjust certain features as your needs change. The right fit depends on your goals, budget and family situation. Not sure which option makes sense for you? Let's connect to explore together. https://www.modernwoodmen.org/our-products/life-insurance/?utm_source=hearsay_site&utm_medium=154485&utm_campaign=3331924 #LIAM26

Life Insurance Calculator | Modern Woodmen

Protect your legacy. Protect your loved ones. Life insurance can help your family stay financially secure when it matters most. Get a better idea of the coverage that's right for you, then let's meet to discuss. https://www.modernwoodmen.org/life-insurance-calculator/?utm_source=hearsay_site&utm_medium=154485&utm_campaign=3320008 #LIAM26

Life Insurance Awareness Month | Modern Woodmen

September is Life Insurance Awareness Month! Life insurance doesn't have to be confusing. As a financial representative, I help individuals and families navigate important decisions about protection and financial security every day. Whether you're reviewing your current coverage or considering life insurance for the first time, I'm here to help. Let's connect to talk about your family's needs. www.modernwoodmen.org/liam?utm_source=hearsay_site&utm_medium=154485&utm_campaign=3313063 #LIAM26

Contact

Contact me

Let’s connect

We can help you review your needs and plan for your financial future throughout life. (Learn more about Modern Woodmen's Planning for Life system and products.) Because Modern Woodmen is a fraternal financial services organization, we can also explore the benefits of being a member.

Your financial goal(s)
I’m interested in learning more about:
Modern Woodmen is licensed to sell life insurance and annuity products in most states. This information should not be considered a solicitation in those states where Modern Woodmen is not licensed.

Securities and advisory services offered through MWA Financial Services Inc., a Registered Investment Adviser and a wholly owned subsidiary of Modern Woodmen of America, 1701 1st Avenue, Rock Island, IL 61201, 309-558-3100. Member: FINRA, SIPC. Products are available in most states. Individual representatives may not be licensed to sell or offer all products or services. Check the background on either the firm or the representative on FINRA’s BrokerCheck.

Let’s plan together for…

Please select…

Select a financial goal from the drop-down menu to find helpful tips and articles.

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