Paul Cramer is a Private Wealth Adviser at KHT Wealth. He focuses on providing solutions to help clients make informed decisions about their finances and wealth management. Working with KHT Chartered Accountants and professional partners he helps clients address their major concerns: creating and preserving their wealth, mitigating taxes, taking care of their estate and family.Paul uses a consultative process to gain a detailed understanding of his what is most important to clients in terms of values and goals. He then employs customised recommendations designed to address each client’s unique needs, challenges and goals. The investment solutions used with clients involve factor-based strategies that academic research has shown can significantly improve the risk-return profile of a portfolio by reducing risk and volatility as well as enhancing returns.Successful individuals and families work with Paul to:- Gain more confidence managing their financial matters by making more informed decisions - Develop and implement a comprehensive wealth management plan to help them reach their financial and lifestyle goals- Obtain a second opinion about their current situation to discover what is possible.Paul is a strategic and innovative thinker with a successful track record in financial services providing advice in the best interest of clients and managing high performing teams with MLC, Allianz and Macquarie Private Wealth.