Richard and Susan Kramer strive to lead productive lives. To Richard this has meant, among other things, nearly two decades serving as a San Francisco Superior Court Judge. Susan has invested over thirty years in the biotech industry developing therapies for cancer, neurodegeneration and other diseases. The couple, who met on a San Francisco cable car, follows a simple guideline: Be good, do good and have fun. Clients of First Republic since the early days of their marriage, the Kramers know that in the Bank, they have a financial partner that is accommodating and flexible enough to assist them as they strive to leave their mark on the world.