FINANCIAL PLANNINGKrum Insurance & Financial Services, LLC helps individuals like yourself plan and save for their future. Whether your goals are short-term, long-term, or for retirement, we will help you make informed and strategic decisions for any stage in your life.Our approach is to form a personal relationship with each of our clients by offering personal, knowledgeable, and direct service. We evaluate your situation and determine investment suitability for each individual. By using the latest economic and investment tools on the market today, we conduct fundamental research and identify long term patterns for assets in all of the major categories. We will help you establish and execute a financial plan, which includes reviews, and help you build a sound financial strategy while maintaining appropriate risk. Our firm, as an independent financial advisor, has no attachment to any one company and, therefore, works only with your best interest in mind. We keep fees and commissions low and provide guidance you can trust.At Krum Insurance and Financial Services, we are proud to use H. Beck, Inc. as our broker/dealer. Tracing its roots back to 1954, H. Beck, Inc. (HBI) is one of the nation’s top 50 independent broker-dealers. More than 600 financial advisors around the country, like me, have chosen H. Beck to provide superior service and support that enables me to be successful for my client.Whether you’re investing for yourself, your retirement, the future of your family, your children’s education, or any other goal—we will help you understand your investment possibilities. We will guide you towards informed decisions and a customized plan for every stage in your life. Our discussion is also likely to include estate planning (it’s never too early or too late); life insurance to protect your loved ones; and disability insurance to protect your income.CALL US FOR A FREE, NO OBLIGATION CONSULTATION215-396-2888SCHEDULE A FINANCIAL PLANNING MEETING AN INVESTMENT PORTFOLIO INDIVIDUALIZED FOR YOUKrum Insurance & Financial Services, LLC is proud to offer H. Beck Portfolio Builder as an investment management solution. Using your goals, time horizon, and comfort level with market risk as the guide, we develop a personalized investment strategy and H. Beck Portfolio Builder portfolio. H. Beck Portfolio Builder offers comprehensive, easy to understand plans, statements, and reports. You will have a single account to invest in stocks, bonds, mutual funds, ETF's and more, and we will have continued involvement in the monitoring and management of your account. Portfolio Builder is for investors who want access to institutional money managers while still receiving a personalized investment approach.WE PUT YOU FIRSTH. Beck Portfolio Builder Krum Insurance & Financial Services, LLC utilizes the latest technology for all of your investment and financial planning. We are proud to offer MoneyGuidePro, a financial planning software that allows you to create, implement and maintain an investment strategy that helps you pursue your personal financial goals. Additionally, we offer a full risk analysis of your portfolio with Riskalyze. Our specialized software calculates an exact Risk Number based on your answers to simple investing questions. MoneyGuidePro and Riskalyze are fully integrated allowing us to seamlessly plan and create a portfolio that remains committed to your long-term financial goals while staying within the confines of your risk.Get a Free Risk Analysis by clicking here! What is your Risk Number?How Does Riskalyze Work?H Beck Client Account (NetX Investor)Services of a Primary AdvisorMichael Krum is a registered representative and investment advisor representative offering securities and investment advisory services through H. Beck Inc., Member FINRA/SIPC. Krum Insurance & Financial Services, LLC and H. Beck Inc. are unaffiliated. INVESTMENT VIDEOS AND RESOURCESInvesting should be easy – just buy low and sell high – but most of us have trouble following that simple advice. There are principles and strategies that may enable you to put together an investment portfolio that reflects your risk tolerance, time horizon, and goals. Understanding these principles and strategies can help you avoid some of the pitfalls that snare some investors. Learn more from our library of available resourcesClick here for the full library of videos and resources How Much do You Know About Investing? These days, investing in financial markets is a common practice. Yet, many Americans remain under-informed about how various investment products really work. Want to know how you rank? Challenge yourself with our brief quiz, "Test Your Investment IQ." First Name Last Name Email Address Have a Question? Name Email Address Phone Question Thank you! Oops!