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As a leading wealth management firm, we offer proactive expert advice and comprehensive capabilities including financial planning, investment management, private and business banking, trust and estate services, philanthropic advisory, online services and family office solutions.
We provide asset administration and trust and fiduciary services to exceptionally wealthy families, their family offices and their foundations and endowments. We deliver high-touch personal service, underpinned by institutional-strength operational capabilities.
We provide asset administration and trust and fiduciary services to exceptionally wealthy families, their family offices and their foundations and endowments. We deliver high-touch personal service, underpinned by institutional-strength operational capabilities.
We provide asset administration and trust and fiduciary services to exceptionally wealthy families, their family offices and their foundations and endowments. We deliver high-touch personal service, underpinned by institutional-strength operational capabilities.
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Institutional
Learn about asset management solutions including: global index management, active equity and fixed income, target retirement date funds, and manager of manager programs.
Individual
Get answers to your investment challenges with asset management capabilities including alternatives, exchange traded funds, fixed income, mutual funds and tax-advantaged equity.
Discover our asset management solutions and investment capabilities in index management, cash management and active equity and fixed income.  Learn more about our tailored expertise including benchmark customisation, responsible investing and investment programme oversight.
Discover our asset management solutions and investment capabilities in index management, cash management and active equity and fixed income.  Learn more about our tailored expertise including benchmark customisation and investment programme oversight.
Discover our asset management solutions and investment capabilities in index management, cash management and active equity and fixed income.  Learn more about our tailored expertise including benchmark customisation and investment programme oversight.
Learn about asset management solutions incorporating equity and fixed income products that employ active, passive or quantitative investment approaches, manager of managers oversight programs including alternatives exposure, as well as transition management and securities lending services.
Discover our asset management solutions and investment capabilities in index management, cash management and active equity and fixed income.  Learn more about our tailored expertise including benchmark customisation and investment programme oversight.
Learn about asset management solutions incorporating equity and fixed income products that employ active, passive or quantitative investment approaches, manager of managers oversight programs including alternatives exposure, as well as transition management and securities lending services.
Discover our asset management solutions and investment capabilities in index management, active equity and fixed income. Also learn more about our tailored expertise including benchmark customisation and responsible investing.
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Learn more about asset servicing solutions including global custody, investment operations outsourcing, fund services for traditional and alternative funds, cross-border pooling, investment risk and performance analytical services, securities lending, transition management and treasury services.
Learn about asset servicing solutions including cash management, cross-border pooling, fund services for traditional, alternative and exchange traded funds, foreign exchange, global custody, investment operations outsourcing, investment risk and performance analytical services, securities lending and transition management.
Learn about asset servicing solutions including cash management, cross-border pooling, fund services for traditional, alternative and exchange traded funds, foreign exchange, global custody, investment operations outsourcing, investment risk and performance analytical services, securities lending and transition management.
Learn about asset servicing solutions including cash management, cross-border pooling, fund services for traditional, alternative and exchange traded funds, foreign exchange, global custody, investment operations outsourcing, investment risk and performance analytical services, securities lending and transition management.
Learn about asset servicing solutions including cross-border pooling, fund services for traditional and alternative funds, global custody, investment operations outsourcing, investment risk and performance analytical services, securities lending, transition management and treasury services.
Learn more about asset servicing solutions including global custody, investment operations outsourcing, fund services for traditional and alternative funds, cross-border pooling, investment risk and performance analytical services, securities lending, transition management and treasury services.
Learn more about asset servicing solutions including global custody, investment operations outsourcing, fund services for traditional and alternative funds, investment risk and performance analytical services, securities lending, transition management and treasury services.
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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
Benefits:
  • 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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312-630-6678
 
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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 Personal Financial Services 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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Awards and Accolades

Recognized for strength, stability and outstanding service