Cramer & Rauchegger, Inc. is a registered investment adviser based in Maitland, Florida. We are organized as a corporation under the laws of the State of Florida. We were founded in early 1999 by our principal owner. Scott Cramer, and requested registration as an investment adviser in the state of Florida in February 2015. The following paragraphs describe our services and fees. As used in this brochure, the words "we", "our" and "us" refer to Cramer & Rauchegger, Inc. and the words "you", "your" and "client" refer to you as either a client or prospective client of our firm. Also, you may see the term Associated Person through-out this brochure. Our Associated Persons are our firm's officers, employees, and all individuals providing investment advice on behalf of our firm. Investment Advisory Services We may advise you on any type of investment that we deem appropriate based on your stated goals and objectives. We may also provide advice on any type of investment held in your portfolio at the inception of our advisory relationship. The topics we address may include: § risk assessment/management, § investment planning, § financial organization, and § financial decision making/ negotiation. Trustee Services Additionally, we offer ongoing management and administration of revocable and irrevocable trusts. Trusts can be designed to: § maintain your current lifestyle; § create a legacy for your loved ones; § provide for favorite charities; or § protect your assets from excessive taxation, as well as unexpected health, personal and business risks. Although a grantor may name himself as trustee of a living trust during his lifetime, he should name a successor trustee to act when he is disabled or deceased. At the grantor's death, the successor trustee must distribute the assets of the trust in accordance with the directions in the trust document. In addition to providing investment planning for the trust, we may provide the following additional trustee services: § contact attorney to review trust and process; § keep beneficiaries informed; § build a team of advisors; § inventories assets, determines current values; § make partial distributions if needed; § collect benefits, keep records, file tax

returns; § pay bills; § perform final accounting; § distribute assets to beneficiaries as trust directs. Financial Planning We may prepare and provide you with a written financial plan designed to help you achieve your financial goals and investment objectives. The cost associated with such a plan is a fixed $2000/plan fee. The preparation of such a plan may necessitate that you provide us with personal data such as:
• family records,
• budgeting,
• personal liability,
• estate information and
• additional financial goals. The financial plan may include any or all of the following as requested or directed by you:
• asset protection,
• tax planning,
• business succession,
• strategies for exercising stock options,
• cash flow,
• education planning,
• estate planning and wealth transfer,
• charitable gifting,
• long-term care and disability planning,
• retirement planning,
• insurance planning, and
• risk management. We do not provide accounting or legal advice. Should you choose to implement the recommendations contained in the plan, we suggest that you work closely with your attorney, accountant, insurance agent, and stockbroker. Selection of Other Advisers As part of our investment advisory services, we may recommend that you use 1 $100,000 – 1 million $1 – 5 million $5 million and up 2.0% 1.5% the services of a third-party investment adviser ("TPA") to manage your entire or a portion of your investment portfolio. After gathering information about your financial situation and objectives, we will recommend that you engage a specific TPA or investment program. Factors that we take into consideration when making our recommendation(s) may include the following: § the TPA's performance, § methods of analysis, § fees, § your financial needs, § investment goals, § risk tolerance, and § investment objectives. We will periodically monitor the TPA(s)' performance to verify that its management and investment style remains aligned with your investment goals and objectives. As of March 31, 2023, the firm has Regulatory Assets Under Management of $138,388,760.