# Edward Kramer

> Edward Kramer is a fee-only financial advisor at SSB&T Wealth in Fredericksburg, Texas, who holds the CFP credential. Edward focuses on estate & legacy planning, tax planning and small business owners. SSB&T Wealth reports charging a percentage of assets and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/edward-kramer/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** SSB&T Wealth
- **Based in:** Fredericksburg, Texas
- **Fee model (firm's Form ADV):** Percentage of assets; Fixed fees
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $445.1M across 168 accounts
- **Credentials:** CFP
- **Specialties:** Estate & legacy planning, Tax planning, Small business owners, Family wealth transfer, Retirement planning
- **CRD:** 4566142 (https://adviserinfo.sec.gov/individual/summary/4566142)
- **SEC registration:** Investment adviser representative in TX
- **Exams passed:** Series 63 (2010), Series 65 (2005)
- **Firm size:** 6 employees
- **Disclosures:** None reported
- **Website:** http://www.ssbtwealth.com

## Frequently asked questions

### Is Edward Kramer a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Edward holds no broker registration, and SSB&T Wealth reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Edward charge for financial advice?

Edward's firm, SSB&T Wealth, reports charging a percentage of assets and fixed fees on its SEC Form ADV.

### Where is Edward Kramer based?

Edward Kramer is based in Fredericksburg, Texas.

### What does Edward specialize in?

Edward's specialties include estate & legacy planning, tax planning, small business owners, family wealth transfer and retirement planning.

### What credentials does Edward Kramer hold?

Edward Kramer holds the CFP credential.

### Is Edward Kramer registered with the SEC?

Yes. Edward Kramer is registered as an investment adviser representative in TX (CRD 4566142), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does SSB&T Wealth manage?

SSB&T Wealth reports $445.1M across 168 accounts in assets under management.

### How do I contact Edward Kramer?

Through Edward's website, www.ssbtwealth.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/4566142): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://www.ssbtexas.com/ssbt-wealth/about-ssbt-wealth): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.