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Plan Today. Protect Tomorrow.

Using the latest economic and investment research tools on the market today, we are able to fit the right strategies to the right investor. As an independent financial consultant, I will help to keep fees and commissions low, and provide guidance you can trust. I have no attachment to any one company and can work to find the best options for you.

At Krum Insurance and Financial Services, we are proud to use H. Beck 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 700 financial advisors around the country, like me, have chosen H. Beck to provide superior service and support that enables me to be successful for you, my client.

Additionally, we are proud to offer MoneyGuidePro, a financial planning software that more effectively motivates each client to create, implement and maintain an investment strategy that can help them pursue their lifetime financial goals. MGP is smart, easy-to-use, and adaptable, allowing for an effective and dynamic financial planning experience. For college, retirement, estate and Social Security planning, asset allocation, insurance needs analysis, tech integration, and account aggregation, ask us about MoneyGuidePro.

Get a Free Risk Analysis by clicking here! What is your Risk Factor?

How Does Riskalyze Work?

Why Aren't You Maxing Out Your 401(k)? It may be the best retirement planning tool you have.

The IRS Changes to 529 Plans Learn about the two new tax perks for these college savings vehicles

The Value of a Fee-Based Advisor A shared goal, a stronger relationship

Making Investment Decisions - Are your choices based on evidence or emotion?

Dollar Cost Averaging in a Down Market - This investment technique may help you take advantage of the downturn.

Trend & Momentum Investing- Should you consider these approaches?

Reducing the Risk of Outliving Your Money- What steps might help you sustain and grow your retirement savings?

End of year Money Moves- Here are some things you might want to do before saying goodbye to 2015.

Your Year-End Financial Checklist seven aspects of your financial life to review as 2015 draws to a close.

Your Annual Financial To-Do List Things you can do before and for 2016

DIY Investment Management is a Risk Paying attention to the wrong things becomes all too easy

Large Penalties Await Employers who Reimbursed Certain Employee Health Insurance Premiums in 2014

Organizing Your Paperwork for Tax Season- If you haven't done it, now's the time.

2015 IRA Deadlines Are Approaching- Here is what you need to know.

The Solo 401(k)- A retirement savings vehicle designed for the smallest businesses.

Why People Want Independent Financial Advisors- In some cases, “independent” is better.

Fall Financial Remiders- The year is coming to a close. Have you thought about these financial ideas yet?

The Importance of TOD & JWROS Desginations- A convenient move that coule ward off probate on your accounts

Who Needs Estate Planning? Why estate planning is so important, and not just for the rich.

Wills and Living Trusts Many myths surround these popular estate planning tools.

IRS Announces New IRA Rollover Limitation: A tax court ruling raises eyebrows & leads to a decision that may affect you.

Which Financial Documents Should You Keep On File? (and for how long?)

Your Investment Portfolio Check-Up- Why Do I Need One?

Wise Decisions with Retirement in Mind

Three Things to know about Market Volatility

Is your Portfolio Ready for Rising Rates?

Finding Sources of Income in Uncertain Markets