Broker Check


Krum 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 portfolio that seeks positive performance 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.



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.

Financial Planning; Risk AnalysisFinancial Planning; Retirement Planning; MoneyGuidePro

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 Advisor

Michael 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.

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