Broker Check

Meet The Team 

Stephen M. Kremer, RFC

Branch Manager

(248) 648-8598

As a Registered Financial Consultant he is responsible for:

• Developing financial plans
• Managing client investment portfolios
• Monitoring the market and executing trades

Stephen brings more than three decades of experience in the financial services industry to WealthMap Advisors. As an independent financial planner and investment advisor, he offers personalized financial advice tailored to each individual. He works with clients to address both immediate concerns and future goals, and provides continuous service as needs change.

Steve as a Registered Financial Consultant, holds FINRA Series 6, 7, 24, 26, and 65 securities registrations, and is insurance licensed in several states. He received his bachelor’s degree in economics and finance with a concentration in portfolio theory from Northern Michigan University, and graduated in the Financial Honor's Society. He worked for 6 years as a registered representative for a major Wall Street based investment firm before becoming an independent advisor.

Actively involved in the financial services industry and his community, Steve is a national speaker and trainer for Brokerage Design & Development, which is a nationwide organization that specializes in training investment advisors. He also volunteers as a director of the non-profit SCAMP, a special needs summer camp in Clarkston. He has received a number of special recognitions over the years for his work, including the Centaurus Outstanding Performance Award and Centaurus Financial MVP. Additional acknowledgements include:

  • Centaurus Financial Branch of the Year
  • Centaurus Quantum Leap Branch Award
  • Serving as the Co-Chairman of the National Congressional Committee's Business Advisory Council
  • His opinions on tax reform have been featured in the Wall Street Journal and USA Today

Steve and his wife, Donna, and daughter, Tessa, live in Ortonville, Michigan. Their son, Garrett, is a graduate of the University of Miami, Florida. Steve enjoys the outdoors, golfing, hunting, fishing and boating, and currently maintains his private pilot certification.

Brian J. Rener

Registered Representative

(248) 648-8598

• Develops financial plans
• Manages client investment portfolios
• Specializes in retirement planning
• Meets with new clients

Brian Rener has 32 years of industry knowledge and experience, and has been with the company for 18 years. He helps clients realize their financial goals and pursues relationships, both personally and professionally, with those who are serious about securing their future. Brian is very active in the community and he is committed to helping families during times of hardship.

Brian entered the financial services industry after leaving the U.S. Army, with distinction as a Captain, in 1987. He excelled in the industry, working with Shearson Lehman and several major wire houses as an investment executive, insurance agent, and in recruitment and management of representatives. He was serving as a regional sales director for a leading insurance company when he was hand-picked by Stephen to join the team in 2002. He has since received the Centaurus Financial Quantum Leap Award for Individual Performance in both 2009 and 2010. He holds a series 7, series 66 and series 24 license.

Outside of the office, Brian spends much of his time with his wife, Connie, their three children, Jennifer, Philip, and Christopher and granddaughter, Avery. He is an avid marathon runner and enjoys golf and traveling. He is also a partner in a sports and athlete marketing agency.


Niki M. Sturm, Attorney at Law

Registered Representative/Team Leader

(248) 648-8598 ext. 108

• Develops financial plans
• Develops and implements recommendations
• Manages portfolio reallocations
• Oversees all operations

Niki became Steve Kremer’s Service Assistant in 1998 after three years as Operations Manager for a well-known, local financial planning firm. Niki transitioned to team leader in 2002. She is familiar with all aspects of the financial services industry – from operations to product nuances – and is typically the “go-to” person on the team. Niki enjoys the details and crafting creative recommendations to meet client needs.

Niki holds the FINRA Series 6, 7, and 63 securities registrations. She graduated magna cum laude with a Juris Doctor (J.D.) degree from WMU-Thomas M. Cooley Law School and obtained a bachelor's degree in Legal Studies from Purdue Global University; graduating summa cum laude. Niki is currently admitted to practice law in Michigan and Florida. Her acknowledgements include:

  • Centaurus Financial Service Award 2002
  • Honor Scholarship – WMU-Thomas M. Cooley Law School
  • Dean’s List (All Terms) – WMU-Thomas M. Cooley Law School
  • Dean’s List (Eight Consecutive Terms) – Purdue Global University


Niki lives in Oxford with her daughters Sarah Elizabeth who attends Oakland Community College and Grace who works as a teacher in a Montessori school while pursuing her bachelor’s degree in primary education. Niki’s son, Jake, and daughter-in-law, Indeah, welcomed their first child, Hudson, in December 2021.

Niki has a soft spot for animals and currently lives with six cats and two dogs! When not working or going to school, Niki enjoys spending time up north with friends, traveling, baking, gardening, and visiting her family in south Georgia and north Florida.


Erika Khadtare

Registered Director of Operations

(248) 648-8598 ext. 118

• Manages operations and the service team
• Oversees account changes and account reviews
• Handles client appointment preparation

Erika joined the team in 2010 as a Client Service Assistant and transitioned to the Director of Operations in 2017. Prior to joining WealthMap Advisors, Erika spent several years at a large regional bank, working as a Customer Service Representative and a Licensed Banker. Erika currently holds the FINRA Series 6 and 63 securities registrations. She received her bachelor's degree in International Relations and Spanish from Oakland University and her master's degree in Business Administration from Walsh College.

In her role, she is responsible for overseeing and managing the service team. Her goal is to provide efficient, accurate, and timely service to our clients and business partners. She understands the importance of earning and keeping the trust of our clients by providing exceptional and timely service. She works diligently to maintain a motivated and efficient service team to assure our clients that they are in the best hands.

When not at work, Erika enjoys traditional Indian cuisine (she and her husband Manish are shown above.) She also likes hiking and sight-seeing, reading, taking wildlife photos, advocating for rescue cats, being the neighborhood designated “cat lady” and “animal whisperer.”  She has (3) fluffy cats adopted from separate cat rescues - Kitten, Thackeray Binx, and Yuki. Wendy, our Client Service Administrator, is their designated “nail lady” when she’s actually able to catch them! 


Wendy Harding

Client Service Administrator

(248) 648-8598 ext. 120

• Prepares and processes paperwork for client accounts
• Handles account maintenance
• Services client accounts

Wendy joined the team in 2014 as our receptionist and has since become a client service administrator.  She has over 30 years customer facing service experience, with her current focus supporting our clients with any service needs they may have. Wendy is exceptionally good at making our clients feel welcome and at ease. 


Wendy lives in Shelby Township with her husband, Hugh and her three cats (shown above.) She enjoys reading and attending concerts with her daughter, and spends her downtime sewing and baking while watching bad movies. When she wants to watch a good movie, she enjoys watching Hamilton. She has seen it over 200 times!