Our mission is to help you meet your retirement goals. It is our goal to help you preserve and protect your hard earned money. In addition, we strive to provide you with the appropriate investment plans with the objective of achieving higher than average growth and income. At Kramer Investment Services, LLC, we provide you with the professional service you deserve.
James Kramer
President & Investment Advisor Representative
Jim Kramer is an Investment Advisor and Insurance Broker. He has been in the Financial Services industry since 1990. Jim previously served as Director of Sales for the Principal Financial Group and holds the following degrees and designations:
- Bachelor of Science degree in Economics from the University of Wisconsin Oshkosh.
- Master of Business Administration degree in Economics from the New York Institute of Technology.
- Registered Employee Benefits Consultant designation from the American College.
- Registered Health Underwriter designation from the American College.
Jill Denman
Service Associate
With a background in financial investment since February 2025, Jill Denman brings a wealth of experience from various administrative and management roles across the grocery, home recreation, and insurance industries. Currently serving as a Service Associate at Kramer Investment Services in Lake Geneva, Jill is dedicated to providing exceptional service and expertise to clients.
Outside of work, Jill enjoys reading on her Kindle and exploring her passion for genealogy. Above all, her greatest pride is her family, which includes her wonderful husband, a grown daughter and son, and her most cherished joy—her grandson.
Tricia Ruby
Administrative Assistant
Tricia moved back to the area in 2018, years after living in IL, but missing the memories of her childhood here….. enjoying swimming, boating, and skiing on our beautiful lakes. She has a Bachelor’s degree in Nutrition from Illinois State University and also has a WI Realtor license. She has two adult children and enjoys running marathons as well as managing several properties. Tricia takes pride in assisting Jim with all the office duties while serving clients with care.
Strategic alliances
MICHAEL BINGER,
CFA®
President
Gradient Investments, LLC
As President, Michael is the leader of Gradient Investments and has been with the firm since 2012. He brings more than 35 years of industry experience, including prior roles managing multi-billion-dollar portfolios for an institutional asset manager. Michael is a CFA® charter holder and is a frequent contributor on CNBC, Fox Business, Barron’s, and the Wall Street Journal.
KEITH GANGL,
CFA®
Senior Portfolio Manager
Gradient Investments, LLC
Keith joined Gradient Investments in 2018 and has more than 30 years of industry experience. Prior roles include senior portfolio manager for a large institutional asset management firm, managing a multi-billion-dollar portfolio. Keith is a CFA® charter holder, and has been featured in media outlets such as CNBC, Bloomberg, Investor’s Business Daily, Nasdaq and Reuters.
Tyler Ellegard
CFA®
Senior Portfolio Manager
Gradient Investments, LLC
Tyler is a Senior Portfolio Manager at Gradient Investments, where he focuses on portfolio management, asset allocation, and investment research across multiple asset classes. He provides market insight and portfolio strategy to support client investment decisions. Tyler is a CFA® charterholder and has been featured in media outlets including Schwab Network, Reuters, and The Wall Street Journal.
*This endorsement of Gradient Investments, LLC, (GI) and its portfolio management services is provided by the firm. The firm refers clients to GI for portfolio management services. GI does not pay separate compensation to the firm in relation to its endorsement or any promotional services. However, the firm receives a portion of the advisory fees paid by clients who utilize the portfolio management services of GI. The firm also shares in the revenue of GI via quarterly payments based on the amount of total assets the firm places with GI. This endorsement incentivizes the firm in increasing the assets placed with GI, and therefore the compensation received by the firm. The firm and its investment advisor representatives are not supervised by GI. While these conflicts of interest exist, the firm and its investment advisor representatives are subject to fiduciary duty and must act in the best interests of their clients. The firm and their clients are not required to use GI and may select other investment managers.