Scott Kramer

Scott Kramer FNB Financial Advisor, CFP

Read the latest weekly market update from Cetera Investment Management:
04/21/2026

Read the latest weekly market update from Cetera Investment Management:

Ceasefire talks between the U.S. and Iran supported risk sentiment this week, helping the S&P 500 move above the 7,000 psychological level and close at a…

Read the latest weekly market update from Cetera Investment Management:
04/13/2026

Read the latest weekly market update from Cetera Investment Management:

Markets rose this week after the U.S. and Iran agreed to a two-week ceasefire to work toward a framework covering the Strait of Hormuz operations, sanctions, and Iran’s nuclear program. While Iran says the Strait has reopened, traffic through the key energy corridor remains limited. The terms of t...

Read the latest weekly market update from Cetera Investment Management:
04/06/2026

Read the latest weekly market update from Cetera Investment Management:

Markets rebounded on optimism surrounding a potential ceasefire between the U.S. and Iran. Reports suggested President Trump may be willing to end the military campaign even if the Strait of Hormuz remains closed, with the conflict potentially concluding within next two to three weeks. On the econom...

04/05/2026
Read the latest weekly market update from Cetera Investment Management:
03/31/2026

Read the latest weekly market update from Cetera Investment Management:

Fears of a potential ground invasion of Iran by the U.S. and its allies continued to pressure markets. Despite ongoing mediation efforts, investors remain skeptical about the likelihood of a swift resolution. The Strait of Hormuz, which was briefly reopened to countries purchasing oil in yuan, was a...

Oil prices have surged — and the ripple effects are extending well beyond the energy market. With supply disruptions nea...
03/10/2026

Oil prices have surged — and the ripple effects are extending well beyond the energy market. With supply disruptions near the Strait of Hormuz, inflation risks rising, and potential implications for Fed policy and economic growth, investors are reassessing what comes next. In Cetera Investment Management Team's latest commentary, they break down what’s driving the oil spike, why it matters for markets, and how investors can stay focused amid volatility. Read now:

Oil prices have surged — and the ripple effects are extending well beyond the energy market. With supply disruptions near the Strait of Hormuz, inflation risks rising, and potential implications for Fed policy and economic growth, investors are reassessing what comes next. In our latest commentary...

🌞⏰ Spring forward, everyone! It's that time of year again—Daylight Saving Time is here! Don't forget to set your clocks ...
03/07/2026

🌞⏰ Spring forward, everyone! It's that time of year again—Daylight Saving Time is here! Don't forget to set your clocks forward by one hour tonight. Enjoy the extra daylight and make the most of the longer days ahead! 🌼🌅

Read the latest weekly market update from Cetera Investment Management:
03/03/2026

Read the latest weekly market update from Cetera Investment Management:

AI-related concerns continue to weigh on markets as investors assess the potential impact on traditional business models, including software companies. These concerns have spread to private credit markets, which play a critical role in financing non-public software companies, contributing to broader...

Originally a celebration of Washington's birthday, this federal holiday now offers us the chance to remember the contrib...
02/16/2026

Originally a celebration of Washington's birthday, this federal holiday now offers us the chance to remember the contributions of all Presidents. Think of your favorite and enjoy a nice boost of civic pride.

Homeownership can bring added considerations during tax season.As the IRS begins accepting 2026 tax returns, homeowners ...
02/09/2026

Homeownership can bring added considerations during tax season.

As the IRS begins accepting 2026 tax returns, homeowners may be reviewing whether to itemize deductions or take the standard deduction. Depending on individual circumstances, certain expenses tied to owning a home may still be eligible for tax treatment under current rules, including mortgage interest and property-related costs.

Because tax situations vary, it may be helpful to review what applies to you before filing.

If you have questions about how these items show up in your overall financial picture, feel free to reach out. For specific tax guidance, it’s best to connect directly with your qualified tax professional. I’m happy to coordinate with them to ensure your financial strategy is aligned.



Source:

It will mostly be business as usual for homeowners this tax season. However, new changes introduced under the "big, beautiful bill" may affect how they file.

✝️ As we gather with loved ones this season, we reflect on the true meaning of Christmas and the birth of Jesus Christ. ...
12/25/2025

✝️ As we gather with loved ones this season, we reflect on the true meaning of Christmas and the birth of Jesus Christ.

🙏 May this holy season fill your heart with gratitude, your home with joy, and your life with the light of His presence.

🕊️ Wishing you a blessed and meaningful Christmas.

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