---
title: The Latest from Birchwood Financial Partners | Kay Kramer (2)
description: Kay retired from financial planning in 2021. In 1990, Kay and her co-founding partner made the decision to form Birchwood Financial Partners. Providing clients with the financial resources to help achieve their goals in a way that matches their values has given her much joy. (2)
---
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# Financial Insights Blog
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## Kay Kramer
Kay retired from financial planning in 2021. In 1990, Kay and her co-founding partner made the decision to form Birchwood Financial Partners. Providing clients with the financial resources to help achieve their goals in a way that matches their values has given her much joy.
Find me on:
### Recent Posts
[ ](https://blog.birchwoodfp.com/planning-considerations-estate-plan)
## [Estate Planning 101: Considerations on Planning for your Future and your Legacy](https://blog.birchwoodfp.com/planning-considerations-estate-plan)
[Kay Kramer](https://blog.birchwoodfp.com/author/kay-kramer-cfp)
Jul 11, 2018 11:32:00 AM
When we first approach the topic of estate plans with clients, we know it can often be an uncomfortable discussion for many. We celebrate when...
[Read More](https://blog.birchwoodfp.com/planning-considerations-estate-plan)
[ ](https://blog.birchwoodfp.com/environmental-heroes)
## [How we can all be Environmental Heroes](https://blog.birchwoodfp.com/environmental-heroes)
[Kay Kramer](https://blog.birchwoodfp.com/author/kay-kramer-cfp)
May 30, 2018 10:31:00 AM
I was privileged to participate on a panel at a women’s breakfast hosted by the Minnesota Center for Environmental Advocacy at the end of April. The...
[Read More](https://blog.birchwoodfp.com/environmental-heroes)
[ ](https://blog.birchwoodfp.com/financial-gremlins)
## [Financial Gremlins](https://blog.birchwoodfp.com/financial-gremlins)
[Kay Kramer](https://blog.birchwoodfp.com/author/kay-kramer-cfp)
Mar 14, 2018 10:42:00 AM
One of the first things I often ask clients is if they have any financial gremlins. What are financial gremlins? They are messages about money that...
[Read More](https://blog.birchwoodfp.com/financial-gremlins)
[< Previous](https://blog.birchwoodfp.com/author/kay-kramer-cfp/page/1)
*Investment Advisory services offered through Birchwood Financial Partners, Inc. an SEC Registered Investment Advisor.*
*All written content is for information purposes only. It is not intended to provide any tax or legal advice or provide the basis for any financial decisions. Opinions expressed herein are solely those of Birchwood Financial Partners, Inc., and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser or qualified professional before making any financial decisions. We are not affiliated with or endorsed by the Social Security Administration or any government agency. The inclusion of any link is not an endorsement of any products or services by Birchwood Financial Partners. All links have been provided only as a convenience.*
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