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 of Gradient Investments, LLC
As President, Michael is the leader of Gradient Investments and has been with the firm since 2012. He brings more than 30 years of industry experience including prior roles managing multi-billion dollar portfolios for an institutional asset manager. Michael is a CFA® charterholder 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 25 years of industry experience. Prior roles include asset management for a multi-billion dollar portfolio with a large institutional asset management firm. Keith is a CFA® charterholder, managed a Lipper Award winning mutual fund, and has been featured in media outlets such as Investor’s Business Daily, Nasdaq, Reuters, and Bloomberg. TYLER ELLEGARD,
CFA®
Portfolio Manager Gradient Investments, LLC
Tyler joined Gradient Investments in 2018 after prior roles with a large retail wealth advisory firm. Tyler has developed experience with financial advice, asset allocation, and investment analysis across the asset spectrum. He is a CFA® charterholder and has been featured in media outlets including TD Ameritrade Network, Reuters and the Wall Street Journal. * This endorsement of Gradient Investments, LLC is provided by an investment advisor who refers clients to Gradient Investments, LLC. A conflict of interest exists because this investment advisor receives a portion of the annual management fee charged by Gradient Investments, LLC, based on the assets under management of this investment advisor’s clients. This endorsement could assist in the investment advisor increasing the assets placed with Gradient Investments, LLC, and therefore their compensation. These investment advisors are not affiliated with or supervised by Gradient Investments, LLC.