We understand that with wealth comes responsibility. We can help you effectively manage this responsibility, giving you more wealth-building opportunities and time to live the life you want.

Learn more


Our goal: A comprehensive lifetime blueprint that shows you wealth building and preservation strategies to help shorten your path to financial independence.

Learn more

Why Fluent?

Weekly updates to keep you financially fluent

When is the last time you updated your Retirement Acceleration Plan (RAP™) ?



Welcome to Fluent Financial! You’ve worked hard to become successful. We understand that.

Our comprehensive approach can help you take better control of your financial destiny. We are a Dallas-based wealth management firm that provides objective investment advice, comprehensive tax strategies and financial planning services.

I started Fluent Financial in 1996 and have focused on financial planning in the Dallas area for over 25 years. I am a Certified Financial Planner® and earned a BBA in Finance from Texas Tech University and a MBA with an emphasis on Strategic Planning from the University of Texas at Dallas.

Since starting Fluent Financial, we have been recognized as a Five Star Wealth Manager, one of the leading wealth managers in Texas by Forbes, and WomenCertified with the Women’s Choice Award.

How can we help you?


Mitch Kramer

Five Star Wealth Manager 2013 – 2022

Award based on 10 objective criteria associated with providing quality services to clients. Objectives include: credentials, experience and assets under management among other factors. Wealth managers do not pay a fee to be considered or placed on the final list of 2013 – 2022 Five Star Wealth Mangers.


Woman's Choice Award 2013-2022

The Women’s Choice Award (r) by WomenCertified, Inc. is a recognition award for advisors who provided quality service to their female clients. The Award is based on 17 objective criteria associated with providing quality service to women clients such as credentials, experience and a favorable regulatory history. Financial advisors may have paid a basic program fee to cover the cost of comprehensive review and client survey. Please be aware that Fluent Financial does not pay this basic program fee. However, Fluent Financial does pay a fee to WomenCertified, Inc. to publish our receipt of this award.


The Forbes Leading Wealth Managers of Texas is awarded based on the following criteria: fee only or fee-based practice, RIA or IAR status, no unresolved lawsuits or grievances, advanced certification, comprehensive financial planning services offered and 15+ years of industry experience.

MItch resize
Mitch Kramer

2020 Women’s Choice Award

parallax background

Our goal is to accelerate your
Financial Independence

See how much monthly/yearly income your portfolio could produce using Fluent Financial’s proprietary portfolios.


Start your career with Fluent Financial

An Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability.