We all want a financial life that produces long term wealth, creates substantial retirement income, minimizes taxes, reduces financial costs and risks and ensures that our legacy is well preserved. Venise Kramarski can help you become better equipped to reduce your lifetime financial costs while capitalizing on the opportunities for wealth creation, protection and a lasting financial legacy. Areas of Expertise: Retirement Planning for Business Owners; Estate Planning; Succession Planning for Business Owners; Insurance Services; Investment* Services; and Employee Benefits. Visit www.nationalsocialsecurityassociation.com and www.socialsecurityhelpcenters.com/venise-c-kramarski/ for further information. _______________________________________________________________________________________________________________________________________________________________________ *Registered Representative of, and Securities and Investment Advisory services offered through Hornor, Townsend & Kent, Inc., (HTK), Registered Investment Advisor, Member FINRA (www.finra.org) / SIPC (www.sipc.org). Eight Tower Bridge, Suite 700, 161 Washington Street, Conshohocken, PA 19428. Summit Wealth Advisors and other listed entities are independent of HTK unless otherwise noted. HTK is a wholly owned subsidiary of Penn Mutual. HTK does not offer tax or legal advice. Please contact me for state insurance and securities license information. This is not an offer or solicitation in any state.