ARE YOU A “MILLIONAIRE NEXT DOOR”?
In 1996 Drs. Thomas Stanley and William Danko published their bestselling book, “The Millionaire Next Door,” in which they reported the results of their decades of research into the characteristics of wealthy families in America. In contrast to established stereotypes, they found that most American millionaires are small business owners, who made their own money through hard work and honest service to others, and who continue to live frugal, middle-class, family-oriented lives despite the wealth they have accumulated.
On the other hand, most of the minority of millionaires who inherited their wealth, or obtained it by some windfall rather than their own sustained effort and usefulness, not only failed to build it any further, but squandered it needlessly on material possessions, flashy lifestyles, foolish investments, or worse.
At Schramm Financial Group our financial advisors are experienced in serving the needs of hard working, first-generation wealth builders. We prefer to deal with clients who share our own deep commitment to sustained productivity, frugality, family values, and community service. For these clients we offer the following:
Small Business Qualified Retirement Plans. In the last 30 years we’ve helped small business owners establish, administer, or invest through all types of qualified retirement plans. We know how to design plans to work in a variety of possible future scenarios, how to troubleshoot them when problems arise, and how to keep costs low.
Investment Management. We employ advanced techniques of portfolio management to help position our clients’ assets for potential opportunity in line with market fluctuations.
Business Planning. We help our business owner clients handle a wide range of financial issues including employee compensation packages, key man insurance, and succession planning.
Personal Financial Planning. Half of our clients are not business owners. As a CERTIFIED FINANCIAL PLANNERTM professional, Phil Schramm delivers comprehensive personal financial planning covering every individual and family financial need.
Estate Planning. We collaborate with our clients’ attorneys on estate planning strategies, and co-ordinate the implementation process. When the time comes, we’re there as a continuing resource for surviving spouses during and after the settling of the estate. And we help our clients transfer their values along with their material wealth.
In working with our clients we are not sales oriented. Our style is relationship-based and consultative. We actually care about our clients, and always put their interests ahead of our own. We explain the pros and cons of alternative solutions to their financial problems, so they can make intelligent and informed decisions.
We look forward to working with you.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, Certified Financial Planner®, 
