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Wealth Management
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Financial Intermediary
Learn about asset management solutions designed for Retirement Plan Advisors, TAMPs/Outsourcing Providers, Subadvisory Program Sponsors, RIAs/Financial Advisors and Trust Institutions.
Learn about asset management solutions including: global index management, active equity and fixed income, target retirement date funds, and manager of manager programs.
Get answers to your investment challenges with asset management capabilities including alternatives, exchange traded funds, fixed income, mutual funds and tax-advantaged equity.
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Structured Finance


Tailored solution to meet your interest rate risk management needs

Prudent risk management should be a cornerstone of any sophisticated financial program. The Structured Finance team offers expertise to manage interest rate risk across a range of scenarios.

Our Services:

  • Managing risk associated with an interest-rate-sensitive asset or liability
  • Enhancing yield in a favorable rate environment
  • Synthetically managing fixed income portfolio duration without transacting in underlying assets
  • Hedging future interest-rate-sensitive events
  • Converting fixed rate obligations to floating rate or visa versa
  • Fulfilling liability driven investment obligations as part of investment framework
  • Customized strategies or flexible solutions
  • Our strong balance sheet acts as counterparty to trades
  • No proprietary trading
Gary M. Kramer

Gary M. Kramer

Head of Alternative Investment Solutions
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Gary M. Kramer

Gary M. Kramer

Head of Alternative Investment Solutions

Gary M. Kramer is a Vice President at The Northern Trust Company, Chicago.  He serves in the Alternative Investment Solutions Department within Wealth Management and is responsible for interest rate risk management and marketing.

Gary joined Northern Trust in April 2000 in the Treasury Department and assumed his current role in May 2003.  Prior to joining Northern Trust, he was associated with ABN AMRO, Derivative Solutions, Countrywide Services and Dain Rauscher.

Gary received a B.A. degree in Economics from Hobart College and an M.B.A. degree in Finance Statistics from the University of Chicago Graduate School of Business.  He is a CFA charterholder.

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Recognized for strength, stability and outstanding service.
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Northern Trust Corporation. Head Office: 50 South LaSalle Street, Chicago, Illinois 60603 U.S.A. Incorporated with limited liability in the U.S. Products and services provided by subsidiaries of Northern Trust Corporation may vary in different markets and are offered in accordance with local regulation. For more information, read our legal and regulatory information about individual market offices.