# Mitchell Kramer

> Mitchell Kramer is a fee-only financial advisor at Fluent Financial in Dallas, Texas, who holds the CFP credential. Mitchell focuses on retirement planning, small business owners and estate & legacy planning. Fluent Financial reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

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

## Facts

- **Firm:** Fluent Financial
- **Based in:** Dallas, Texas
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $329.7M across 1,030 accounts
- **Credentials:** CFP
- **Specialties:** Retirement planning, Small business owners, Estate & legacy planning
- **Works with:** Founders
- **CRD:** 2728798 (https://adviserinfo.sec.gov/individual/summary/2728798)
- **SEC registration:** Investment adviser representative in TX
- **Exams passed:** Series 63 (1996)
- **Firm size:** 9 employees
- **Disclosures:** None reported
- **Website:** http://www.fluentfinancial.com

## Frequently asked questions

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

Yes, according to SEC records as of October 29, 2026: Mitchell holds no broker registration, and Fluent Financial reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Mitchell charge for financial advice?

Mitchell's firm, Fluent Financial, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Mitchell Kramer based?

Mitchell Kramer is based in Dallas, Texas.

### What does Mitchell specialize in?

Mitchell's specialties include retirement planning, small business owners and estate & legacy planning. Mitchell works with founders.

### What credentials does Mitchell Kramer hold?

Mitchell Kramer holds the CFP credential.

### Is Mitchell Kramer registered with the SEC?

Yes. Mitchell Kramer is registered as an investment adviser representative in TX (CRD 2728798), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Fluent Financial manage?

Fluent Financial reports $329.7M across 1,030 accounts in assets under management.

### How do I contact Mitchell Kramer?

Through Mitchell's website, www.fluentfinancial.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/2728798): 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://fluentfinancial.com/): specialties, clients served, and fees, checked October 30, 2026

---

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