A Fee Only alternative to the Variable Annuity model, free of commissions and focused on low-cost, long term investing
Victor Schramm, CFS® is an independent financial planner based in Portland, Oregon. Our mission is to assist savers and investors in reducing costs associated with traditional variable annuities.
Our Fee Only services are always free from commissions
Annuity service fees of $20/month, competitive management fees
We're focused on the tax deferred growth potential of Variable Annuities
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Investment Only Variable Annuities
The Investment Only Variable Annuity is the heart of what we do- whether using it as a financial planning tool or transferring an old Variable Annuity.
We take pride in constructing efficient, low cost portfolios for long-term investing based on the Portfolio Manager's expertise as a Certified Fund Specialist (CFS®)
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With a focus on value, low-cost investing, and excellent portfolio construction, these are just some of the fund providers we use to build investing programs
Watch A Brief Video About The Investment Only Variable Annuity (IOVA)
Meet the Advisor
Victor Schramm moved to Oregon from New York City to found an independent Registered Investment Advisor firm in 2013. He received his B.A. in Russian & East European Studies from the University of Oregon in 2007.