Besides understanding how rising interest rates affect the value of your bonds which increases the likelihood of sticking with your investment strategy, consider owning shorter term bonds which are less sensitive to interest rates.
Check out this opportunity to join our team of pros as our resident tax expert. Hybrid work environment with liberal time off so you can enjoy your Great Life!
Series I savings bonds are offering 7.12 percent interest rate through April, 2022. Consider adding this asset to your portfolio.
Here are three considerations for your portfolio when a market decline looks inevitable.
Congratulations to Justus and Justin on their new appointments as president and vice president of FSG.
Conversations about money can be difficult for some couples. Try easing the tension using a few easy strategies
Justin and Vince will be teaching the Retirement Planning Today mini-course at UW-Parkside in March.
Understanding how Social Security works can be complicated. Learn more about things to consider and about your options.
Scammers constantly come up with ways to access your personal, confidential information. Protect your financial wellbeing.
We believe in taking time to reflect, consider, and identify our plans for how we’ll add value to our clients.
Five money moves to make in 2022 Working out more, prioritizing self-care, and spending less time on your devices are all great resolutions for 2022. And while we’re at it, dry January and Veganuary are
Start 2022 off on a right foot by understanding how much to start saving toward your retirement and stepping toward financial independence.
When it comes to planning your charitible giving, you have options that may provide tax advantages as well as helping others.
Disability insurance is designed to pay out a portion of your income if you were unable to work due to illness or injury. See how this coverage works and what you need to know about it
Charitable giving is increasing. A study by Giving USA, American shows charitable giving hit $471 billion in 2020, a 3.8% increase from 2019.
The holiday season is stressful enough without adding tax stress to it. Here are a few ideas to reduce your tax stress as the year-end approaches.
This year has seen tax law changes affecting everyone from young families to those already retired. Here are a few tips for decreasing your tax bill.
Paying for the Build Back Better Act could mean some unwelcome changes to your IRAs and the security you’ve planned for your retirement.
Just because an advisor says s/he is a fiduciary doens’t mean they’re held to the same legal standard. You need to know what being your fiduciary really means.
Justin Moilanen will be teaching the Retirement Planning Today® curriculum in-person under the banner of UW-Parkside’s mini-course offerings. Read more and register.
Tax planning can save thousands of dollars throughout an investor’s retirement. Here are five things to know while you’re still working.
Donor Advised Funds offer immediate tax benefits and the assets can grow tax-free before they are distributed to a charity.
A trusted, fiduciary financial advisor can add more value to you and your family in helping you realize your financial life goals.
Please note: This event has been cancelled. We’ll be sure to let you know when it is rescheduled!
Justin Moilanen will be teaching the Retirement Planning Today® curriculum in-person under the banner of UW-Parkside’s mini-course offerings. Read more and register.
As the stock market continues to set new record highs, you may be wondering whether now is a good time to sell stocks.
Charitable Remainder Trusts: Planning for Now and Leaving a Legacy No question – planning for a time when you’re no longer around is hard. If you’re like most people, the most important thing is being
As college costs have increased, students and families have had to become much more proactive and involved in figuring out how to pay for it. But there are options, and the earlier you start the better off you’ll be.
Repeat session! In this virtual event, you will learn about differences, costs and coverages associated with health insurance before age 65.
The cost of everything is going up. Many retirement projections are based on a much lower inflation rate than what we are currently experiencing.
Consider the value of having a trusted team to support your career asset, your financial well-being, and all the aspects of your great life.
Young people today have had a major reset on how they want to theicreate, build, and support their career asset. Many are taking remote work to a whole new level.
Does the idea of retiring early get you fired up? It’s not wise for everyone and it requires a lot of discipline, but there are ways to join the FIRE movement.
There are a few ways that you can treat your career like a sport to set yourself up for long-term success.
In appreciation of our clients, FSG is making donations to three organizations focused on helping those who are need of basics like food, shelter, and protection from abuse.
The isolation generated by the COVID quarantines left seniors more vulnerable to scammers and increased potential for financial elder abuse.
At this repeat learning event, we’ll cover important things you need to think about when it comes to long-term care planning for yourself or your loved ones.
Even amid the cryptocurrency hoopla, savings bonds may be worth revisiting for some of their unique properties.
The last 15 months have produced a flurry of tax law changes. Here’s a short summary of a few of the most critical.
Beginning in April Highway 38 (Northwestern Avenue) will undergo roadwork. Access to our office will remain open.
Knowing what you want in your late-life years is an important first step to planning your financial well-being for those years.
Access archived copies of Investment Perspective Newsletter from Justin Moilanen. Includes links to timely articles and information.
Keep your goal in mind when sifting through piles of financial reading.
Below is our COVID-19 Office Protocol that we will be following in order to keep you, your family and our staff safe and healthy during tax season, yet continue to serve you: DROP OFF PROTOCOL
Justin Moilanen will be virtually teaching the Retirement Planning Today® curriculum under the banner of UW-Parkside’s mini-course offerings. Read more and register.
Even if the resolutions you made in January have gotten a little stale, it’s never too late to follow a few financial tips for a thriving 2021.
Putting his money where his mouth is, Justus explores how he decides his own investment strategies.
Vince has been volunteering with Milwaukee-area students to help them understand and develop healthy personal finance skills and habits.
It’s never too late to help others especially during these extreme times. For 2020 you can take a tax deduction for donating up to $300 even if you don’t itemize!
Wouldn’t it be great if you could consistently outperform the stock market to increase the return on your investments?
Download a one-page handout with an overview of important tax law changes & Justus’s three favorite charitable gift strategies you can use yet this year.
While we can’t predict the next crisis, you can take comfort in the team and systems we have in place to act as needed when it happens.
Using valuable square footage in your home or garage to store and extra 20 years’ worth of stuff carries a cost.
Back by popular demand! Learn about funeral pre-planning and how this can help ease the burden for your surviving loved ones.
Justin Moilanen will be virtually teaching the Retirement Planning Today curriculum as part of UW-Parkside’s mini-course offering. Read more and register.
Trying to build credit can be a challenge especially for young people. What can help you determine if your child is ready for a credit card.
We had a 75% response rate to our call for client feedback and have made a $1000 donation to Health Care Network in Racine.
Benchmarking your career asset does not only apply to your compensation. Being able to answer “what do I contribute” helps identify your value.
Virtual Learning! This repeat learning event will help you learn more about health insurance options available to you before your Medicare age eligibility.
Just because you are unable to network or learn in face-to-face settings, that should not deter you from investing in your career asset.
Here are the steps we’re taking as we plan to reopen our office on July 6 for deliveries and paperwork pick-up/drop-offs. Meetings will continue to be held virtually (phone or video) until further notice.
During discontinuous change like we’re experiencing right now, work with your Financial Service Group CERTIFIED FINANCIAL PLANNER professional on your tax, retirement, investment and career strategies.
Changes to required minimum distribution rules as the result of SECURE and CARES Acts may help retirees by relaxing some of the requirements.
Financial Service Group print ads are now appearing in the Racine Journal Times, Kenosha News, and Lake Geneva Regional News on select Sundays and weekdays.
We were confronted with a business decision and applied our values to come to a conclusion that makes us proud.
Attend our next Virtual Learning Event, hosted by Justin Moilanen.
There is no shortage of people attempting to take advantage of the Coronavirus emergency. Scammers are very clever and here are a few tips to help protect you and your loved ones from Coronavirus-inspired scam artists.
Attend the April 20 Webinar, hosted by Justin Moilanen on the topic of Investing
Enjoy Mike’s column from the Racine Journal Times in which he discusses how your financial planner should plan for market jolts like we’ve experienced lately.
We’re trying to stay in close touch during the Coronavirus outbreak. Read our lates firm update.
Our office lobby is now closed to the public. Highlights of the CARE Act.
Renting could be a viable option to buying your home. Be sure to weigh it carefully!
One of the most important roles your financial advisors can serve right now is to help restore your sense of well-being amid the chaos of the volatile stock market.
This event is being rescheduled due to limiting group interactions during the active Coronavirus outbreak.
Vince Tortorici volunteers teaching Money Sense to teens at Park High School.
Our scheduled Coffee & Kringle learning events are being postponed until further notice.
Financial markets react to shocks to the system and we are seeing one now as the coronavirus is triggering a steep stock market selloff around the world.
The most common Social Security benefit is for retirees, but there are other circumstances under which you can collect benefits.
We’re pleased to announce a sweet new opportunity to expand your personal finance knowledge through our Coffee & Kringle events!
Our clients are important to us! We’ve created a tip sheet to help make understanding and accessing the various technologies we employ to provide online access to your investment accounts, connect you with our office,
Wisconsin still offers an itemized deduction tax credit which some people can claim if it exceeds their Wisconsin standard deduction.
Justus Morgan is once again teaching Retirement Planning Today hosted at UW-Parkside for those age 50-70. Read more and register.
Attend our October 17 Coffee & Kringle with Justin to help you make sense of retirement distributions, income sources, penalties and more.
Make the tax code a little easier to stomach by joining Justin for some tasty Coffee & Kringle on Saturday, September 19 at 10 a.m.
Discover practical answers to your estate planning questions. Join Justin on Saturday, May 16 at 10 a.m. for this all new Coffee & Kringle event.
Tending to your career requires the same attention to detail and investment as you would take for other forms of investment assets.
Don’t miss the deadlines for 2020 Medicare Open Enrollment. See this post for links to helpful information.
Read about one of the best tools for reducing health insurance costs: the Premium Tax Credit.
Mike’s column discusses the true costs of in-home versus institutional care for seniors.
Vince works with clients on helping them live their great lives through a holistic approach to financial life planning.
Justus Morgan is once again teaching Retirement Planning Today hosted at UW-Parkside for those age 50-70. Read more and register.
Interested in learning about fee-only financial life planning and how we can help you achieve your great life? Attend our no-cost learning event on November 5.
In this session you will hear about differences, costs and coverages associated with health insurance before age 65.
Learn a few important things to know when considering retiring before your Medicare eligible.
Learn a few things you can do when you’ve been or are at risk of a data breach.
This session is full. The next session on this topic will be held on November 19.
Our free August Learning Event is focused on exploring a host of options for senior living. SIgn up now!
Fun way to learn more about Racine history! No cost to clients and guests. Sign up today!
Help yourself and your loved ones better understand their cash flow and spending habits. Justus’s article offers some great tips.
RSVP for our Annual Clients & Friends Appreciation Event!
Mike’s latest RJT article offers ideas for what to look for when visiting financial planning websites.
Attend our June 11 Learning Event to help you make sense of retirement distributions, income sources, penalties and more.
Leaving an employer involves making decisions including what to do with retirement plan balances you’ve accumulated during your employment.
There are higher- and lower-interest paying accounts. Not knowing the difference could cost you money.
Check out our opening for an associate financial planner/advisor.
When youre overrun with papers, know what to retain and for how long.
There were many celebrations for our team in 2018. Tami and Mike celebrated the weddings of two sons and a successful open heart surgery for Mike. Traci married her beau, Sam. Brittany earned her CERTIFIED
An Unexpected Storm in the Financial Markets? If a hurricane hit Wisconsin, we would all find it a shocking event. But if the same hurricane struck Florida, it wouldn’t really surprise us. Following similar logic,
It’s benefit election season! And this is the time of year when you can consider a gift to yourself that you will celebrate years into the future. While many employees concentrate on making selections related
A special shout out to our friends at Careers Industries for the beautiful work on our 2018 holiday cards!
Be sure you’re taking advantage of some tax-planning tips from Justus Morgan.
Here’s a great perspective on the recent market volatility courtesy of our friends at Dimensional Fund Advisors.
A Special Needs Trust provides added peace-of-mind in helping ensure the financial well-being of your loved one with a disability.
It’s a good reminder to be vigilant about where the money in your investment accounts is actually held.
When trying to determine the best residential options for an elder loved one, there are many choices. Exploring the differences is important both from a financial and a lifestyle perspective.
Summer is a great time to help your kids learn more about personal finance. Opening a checking account can be a great lesson for them.
Attend our upcoming learning event and discover all the critical things you need to know about Medicare and the important decisions you need to make.
At this learning event, we’ll cover important things you need to think about when it comes to long-term care planning for yourself or your loved ones.
Following a long day of meetings and planning for the remainder of 2018, the FSG team enjoyed a little R&R at the hands of Chef John Bogan at the Lake Geneva School of Cooking. The
Recognizing and addressing signs of financial incapacity can help protect your elder loved ones from the potential of financial abuse.
Clients, guests and friends of FSG are invited to attend our special event celebrating Financial Serivce Group 35th year Anniversary to be held on Thursday, September 13 between 5:30 to 8 p.m. at Roma Lodge, 7130 Spring Street in
The new tax laws and things you can do right now – as published in The Racine Journal Times | May 8, 2018 Now that April is in the rear view mirror, you may think you
Many grandparents serve as the primary care provider for grandchildren at the same time as being parents and taking care of their own aging parents. That’s a financial triple-decker.
Here’s an opportunity to learn more about FSG and the fee-only advantages you’ll experience with us. Open to the public!
Through 35 years of growth, the home of Financial Service Group has grown with us. From our early days in a two room, 2nd story space to the beautiful office center we built in 2008
Uncertainty in your career due to the possibility of layoff, downsizing or other change can be very unsettling. Here are some ideas for reducing the stress of career uncertainty.
We’re celebrating our 35th Anniversary this year. Michael Haubrich shares his reflections on this milestone event.
You wouldn’t pilot a plane without a plan so don’t take chances with your retirement. Plan for the uncertainties that come along for the ride.
Kay VanNorman, president of Brilliant Aging, shares her insights on retaining your vitality while you age. Interested in learning more from Kay? Let us know and we’ll host an interactive workshop with Kay!
Attend this no-cost opportunity and learn more about how the new tax code will impact you in 2018 and beyond.
Socially responsible investing (SRI) has been around for decades with more than $8 trillion invested based on this approach. Read more about SRI.
Three priceless gifts of your career asset It’s the season when everyone is thinking about meaningful things they can give to the people around them. Here are three gifts that stem from one of your
Sometimes we could all benefit from a little extra nudge. Read Justus Morgan’s latest column to see how inertia doesn’t advance financial well-being.
Wondering what you need to do to ensure you’re ready for retirement? This informative, interactive session is designed to share information, address questions and highlight key issues for planning for your retirement. Who should attend?
Congratulations to Justin Moilanen on earning his Retirement Income Certified Professional® designation from The American College.
Giving back to our local community has always been important to us. We’re expanding our Charity Referral Program to include Veterans Outreach of Wisconsin and Hospice Alliance.
Read about and see images of Team FSG at work volunteering for Veterans Outreach of Wisconsin at their tiny homes for veterans project.
We’re collecting items for the Veterans Outreach of Wisconsin. Check out the list of needed items!
Taking a holistic view of your money and how it can be used to enable your goals helps ensure that it is working toward you having the great life you define.
By now you’ve heard about the serious data breach of Equifax. Learn how to respond any time you feel your confidential information has been compromised.
Determining when to kick a kid off the family dole en route to becoming financially self-sufficient isn’t easy. It can start with a conversation about goals.
Financial considerations for the college-bound as seen in The Racine Journal Times | August 3, 2017 If you’re like most families with young adults preparing to launch their college years, you’ve already invested time in selecting the
Serving older Adults and their Families was the topic for the annual Summer Gathering hosted by Financial Service Group July 12-13, 2017. The two-day workshop was facilitated by Erika Walker, CEO of Sage Wave Consulting
Don’t let a financial setback be as uncomfortable as shoes that are too small. Read how to bounce back.
Viewing aging as a form of graduating to the next life phase can make it cause for celebration. Read Mike’s column for a cheerful, forward-looking perspective.
RSVP for our Annual Clients & Friends Appreciation Event!
Many financial goals are fairly broad or generic such as building cash reserves, retiring or paying for a child’s college education. Unfortunately, there are many distractions that keep us from ever refining and achieving our
Michael P. Haubrich, founder of Financial Service Group and author of Career Asset Management: Getting Ahead, Staying Ahead and Using Your Head to Maximize your Career Value, will lead this interactive discussion on ways to
You never know when an emergency will happen and other people may need to get access to your financial information and other confidential documents so they can act on your behalf. This is particularly true
Late life will happen to all of us! Join Mike Haubrich as he leads an interactive discussion about financial and care topics related to later life stages.
A few comments on the Financial Market performance for Q1 2017
Area seniors now have a new resource to assist them in the aging process. Michael Haubrich recently completed a comprehensive course through the Society of Certified Senior Advisors® (SCSA) and has earned the certification of Certified
Here are a couple of strategies from Justus Morgan that can help you accomplish the goal of saving more without spending less in the process.
The markets have gone up and up and up, and we all know that they won’t go up forever, which means there’s a correction looming somewhere on the horizon.
Sadly, financial elder abuse and exploitation happens and often goes unreported. Read more about recognizing potential abusive situations and what you can do to protect yourself or your loved ones.
Don’t fall victim to phone scams. It’s easy to do and the scammers know how to trick you into providing responses and information that you don’t want them to have!
We’ve got an exciting lineup of Learning Events scheduled throughout the year. Save the dates on your calendar. Guests are always welcome!
Here are Justin’s picks for what to watch, listen to and read.
There’s little you can control about the stock market. Learn about a couple things you can do to reduce your investment risk.
Interested in learning about Financial Service Group (FSG) and our fee-only approach to retirement, investment and tax planning? This no pressure, no obligation session is designed to help inform you about our philosophy and approach
Here are Justin’s picks for what to watch, listen to and read.
Many of us can tell dysfunction when we see it. Would you recognize if your behavior around money started exhibiting signs of dysfunction?
Here are Justin’s picks for what to watch, listen to and read.
Many are wondering what the outcome of the U.S. election holds in store for their portfolios. A historical look and Bob Veres’s industry perspective might help shed some light on the matter.
As we approach the end of the year, many people are turning their thoughts to charitable giving strategies. Discover some options that can increase the impact of your giving.
Don’t miss Justin’s picks for October for what to watch, listen to and read!
Take a look at the historical impact of presidential elections on stock market performance.
Medicare open enrollment for Medicare is Oct 15-Dec 7. Here are some things you need to know…
Waiting an extra year to retire can add 1% per year of additional returns during retirement. Read Justus’s RJT column to learn more.
Justin Moilanen has completed the rigorous credentialing standards to earn his CERTIFIED FINANCIAL PLANNER™ designation from the CFP Board.
Don’t miss Justin’s picks for September for what to watch, listen to and read!
In his book, “How to Say it to Seniors: Closing the Communication Gap with our Elders,” David Solie explores the developmental crisis we experience as older adults. As children, teens, young adults, and mid-life adults
As a member of the FSG fee-only financial planning team, Justin Moilanen is an avid reader and content consumer. He’s always on the prowl for content that our clients and visitors might find useful, informative, entertaining,
What does Brexit mean and what will happen now? The process won’t even get underway until at least the end of the year.
Involving the whole family in conversations about important topics, like the care plan for aging parents, can help families avoid making panic-driven decisions in times of crisis.
Join FSG for this interactive presentation with Q&A as part of our Life-Long Learning Events. Free to clients, guests and the general public with registrations. Click “read more” for event details.
Join FSG for this no-cost learning opportunity available to clients, guests and members of the community.
Providing care for a aging loved one can be a daunting task. Reduce uncertainty by understanding more about the role before taking it on.
FSG clients and friends, RSVP for our annual appreciation event!
Justin picks his favorite things to Watch.Listen.Read for the month of July.
To say the least, Brexit, the U.K.’s recent vote to exit the European Union, has thrown the financial markets and more into a turmoil.
The FSG team has grown. Read more about Associate Financial Planner, Brittany Komorowski.
Mike was recently asked to share his thoughts with Research Magazine readers about identifying and fighting elder financial abuse.
Justin’s in the know when it comes to cool stuff to watch, listen to and read. Here are his favorites for June.
Now that you’ve graduated, it’s time to take charge of your finances.
Our firm update provides a cool historical timeline indicating our milestones. Check it out.
That’s a question posed by the National Women’s Law Center, and its analysis was eye-opening.
A long journey starts with a single step. Read more about how to start a financial plan that aligns with your great life.
Read Mike’s latest interview with CNBC reporter, Deborah Nason. Mike is widely recognized for his creation of Career Asset Management and its link to financial well-being.
This workshop is currently full. You can still register and your name will be put on the waiting list.
Help yourself and your family avoid added stress when death inevitably occurs. Read Justus’s article for more on this.
PBS’s Next Avenue blogger, Richard Eisenberg, recently interviewed Mike Haubrich about how he works with clients on thier career asset.
Our Funeral Pre-Planning workshop on April 19 is full. Watch for a repeat of this workshop coming soon.
Last month I outlined five areas regarding your career including how you can convert it to financial assets, protect it with insurance, borrow on it, enjoy it and grow it by investing in yourself. This
Congratulations to Justus Morgan on earning the RICP® designation! Candidates for the RICP designation must complete a minimum of three college-level courses and are required to pass a series of two-hour proctored exams. They must
Understanding your career as an asset may change the way you think about how you manage and invest in it.
Wow! There’s no diplomatic way to say this: the global stock markets are in panic mode right now. In two weeks of trading, the U.S. S&P 500 index is down 8% on the year, which
When China sneezes, the U.S. catches cold. Read about the latest drama to hit Wall Street
On Dec. 18, several important tax law changes were enacted and, most importantly, made permanent.
There’s still room in our March 22 workshop! You and your guest(s) are invited to learn more about Social Security and various options for how you begin collecting benefits.
By now, you’ve probably heard about some changes Congress approved to Social Security. Read Justus’s column to learn how it will impact you.
We’re looking for new talent to join our team! Share the info!
Many people have a great image of what retirement will be like. Justus Morgan’s column explores the non-financial aspects of retirement.
Join us on November 17 at 6:30 p.m. for a panel discussion featuring several retirees who will share what life is like after retirement. Click to register.
Click the link below to access our latest newsletter featuring Justus Morgan’s monthly column, workshop announcements and more! TYW Update.October2015
Prudent investors realize they must hold a variety of assets that perform differently in changing economic conditions. Read more of Justus Morgan’s monthly column
As the leaves begin to change and summer high temperatures begin fading in memory, many begin focusing on the annual ritual of Fall Cleaning. Closets often hold hidden gems that still have a lot of
Read our September newsletter! Justus Morgan’s monthly Racine Journal Times column – Follow the plan October 20 workshop – Navigating the Medicare maze November retirement panel discussion To Your Wealth Update – September 2015
This is one of our most popular workshops. Click here to read more and to reserve your seat.
Justin Moilanen shares his monthly picks on things to watch, listen to, and read. Watch. Big Think – Coffee or Health Insurance? “They see the long term more than the short term, they are less
6:30 to 8 p.m. Join FSG for a repeat of our popular Long-term care planning workshop featuring Allen Hamm and Jack Louks. Learn more and register.
Worried about what to do when the market fluctuates? Follow your plan. The answer is easy but the discipline to do so isn’t always. Read Justus Morgan’s column for more.
Over the last few trading days, we’ve seen some pretty wild volatility in the market. A solid financial plan is the antidote to ease your anxiety. Read more from Justin Moilanen.
Read our August 2015 newsletter! Justus Morgan’s monthly Racine Journal Times column – Long-term care misconception September workshop – Long-term care planning with Allen Hamm November retirement panel discussion to be hosted at FSG Career
Visit our new web and social media spaces dedicated to Career Asset Management. Learn more here.
Long-term care can be complicated. Make sure you understand the common misperceptions. Read more about this topic in Justus Morgan’s To Your Wealth Column.
Read our latest newsletter including these topics: . Justus Morgan’s monthly To Your Wealth column in the Racine Journal Times – In search of higher returns . Images from the Financial Service Group Four-Mile Lighthouse
Trying to out perform the market is not supported. Read Justus’s latest Racine Journal Times article to learn more about the reality of the shrinking alpha.
Click here to read our June Newsletter Justus Morgan’s monthly Racine Journal Times column – Great reads for busy parents Upcoming events at FSG Justin Moilanen’s quote of the month
Get comfortable speaking to your children about handling money. Read Justus’s June Racine Journal Times column.
We’re hosting our annual Client & Guest Reception on August 7 at UnCorkt on Main Street in Racine during First Fridays. Clients and guests are welcome! RSVP here.
Our next workshop, Social Security & You will be held on June 24. Click to register.
Do you know the Social Security benefits your spouse is entitled to? Find out here.
Too often the focus of retirement planning is on how much money you have saved and whether you’ll have enough to live on for the rest of your life. While this is important (considering the
Don’t miss out on what’s going on at FSG. Read our April newsletter!
Justus Morgan is a guest columnist in the Racine Journal Times. This month his article looks at the encore stage of life and the opportunities for discovering or revitalizing a sense of purpose it presents.
Read MIke Haubrich’s latest blog post on the About.com blog, Money Over 55 in which he discusses how to ensure against a career rainy day.
Join Justus Morgan and Justin Moilanen for an evening of learning and discussion.
Is it more important to eat well or sleep well? I’ve heard this question used to describe the trade-off between earning higher returns or having less risk in your investment portfolio. While there are many
Mike Haubrich is now a guest blogger on about.com’s MoneyOver55 blog. Read his first post here. How to fill a retirement income gap with career value
Click here to read our latest newsletter. Justus Morgan’s monthly article: Undoing Social Security Decisions Workshop: March 19, 6:30 p.m. Social Security & You City changed from Racine to Mount Pleasant in our address.
[vc_row][vc_column width=”1/1″][vc_column_text disable_pattern=”false” align=”left” margin_bottom=”0″]Join Justus Morgan, CFP® and Justin Moilanen to learn the basics of Social Security including how benefits are determined for workers, spouses, and surviving spouses, the interaction between claiming now versus
As published in the Racine Journal Times | February 4, 2014 Have you ever made a decision you later regretted? Wouldn’t it be nice if you had a chance to rewind the clock? In many
Click here to read our latest newsletter! An appreciative year in review – Justus’s January article as published in the Racine Journal Times Mike’s book review of “The Start-up of You” from authors Reid Hoffman and
As published in the Racine Journal Times | January 1, 2015 Before writing this article on an appreciative year in review, I went through the exercises I’m going to describe and came to a realization.
Since last week was the worst decline in the stock market in the past few years we thought you might appreciate a quick note. While a number of pundits have been vocal in providing an
To Your Wealth Update December 2014 The season for asking – Justus’s December article as published in the Racine Journal Times
The Start-Up of You: Adapt to the Future, Invest in Yourself, and Transform Your Career by: Reid Hoffman, Ben Casnocha This is a great book for anyone employed (or looking for employment) who is concerned
Charitable giving can start small As published in the Racine Journal Times | Dec 3, 2014 It’s common knowledge the period of time between Thanksgiving and the end of the year is one of the
Read what others have to say about Michael Haubrich’s new book! “This book helped me to think about my career , how I am managing this very important asset and how I might do even
This chapter excerpted from Appreciative Moments: Stories and Practices for Living and Working Appreciatively. iUniverse, 2008. With permission of the author, Ed Jacobson Chapter 32: An Abundant Thanksgiving Week My mind’s been cooking lately about the
ToYourWealth Update Nov 2014 Retirement income for surviving spouses – Justus’s November article as published in the Racine Journal Times Mike’s book review of Younger Next Year by Chris Crowley Holiday hours schedule
As seen in the Racine Journal Times | November 5, 2014 One of the biggest financial changes we see in our clients’ lives is the death of a spouse. Besides the emotional toll this loss
ToYourWealth Update Oct 2014 My first prediction in writing – Justus’s October article as published in the Racine Journal Times November 12 Workshop: Investing 101 Mike Haubrich’s review of “David & Goliath” by Malcolm Gladwell
Professional investors know something that most people find impossible to believe: that the threat of scary ups and downs in the markets is by far the best friend of the long-term investor. Why? Because over
[vc_row][vc_column width=”1/1″][vc_column_text disable_pattern=”true” align=”left” margin_bottom=”0″]Are you frustrated by financial jargon? Do you know the difference between a stock and a bond? How much are you really paying for your investments? Whether you are retired or
As published in the Racine Journal Times | October 1, 2014 I’d like to share a prediction in this month’s column with you. I think stock prices will go down more. After almost six years
Click here to read our latest newsletter. Sharpen your business pencil – Justus’s September article as published in the Racine Journal Times October webinar announced – Medicare Virtual meetings offer increased flexibility and convenience
[vc_row][vc_column width=”1/1″][vc_column_text disable_pattern=”true” align=”left” margin_bottom=”0″]At age 65, there’s a series of decisions that need to be made regarding healthcare coverage, specifically Medicare. Health care costs rise with age and it’s imperative that the right choices
As published in the Racine Journal Times – September 4, 2014 Now that it’s back to school time, children aren’t the only ones who should be thinking about learning. Whether you work for someone else
Read Justin’s latest picks for you to watch, listen to, and read.
Justin’s top picks for the week to: Watch. Big Think: Meaningful Work “Sure, we care about money and it’s nice to get paid, but there’s also a whole range of other things that we get—a
Click here to read the latest To Your Wealth Newsletter Social Security – A history of change – Justus Morgan’s monthly ToYourWealth column in the Racine Journal Times Announcing upcoming workshops Introducing a new toyourwealth.com
Watch. Steve Jobs: Stanford Commencement Address “You can’t connect the dots looking forward. You can only connect them looking backwards.” https://www.youtube.com/watch?v=UF8uR6Z6KLc Listen. 99percentinvisible.org: Reversal of Fortune “The Chicago River is, in large part,
Watch. TED Talks: The Psychology of Your Future Self “Human beings are works in progress that mistakenly think they’re finished.” http://www.ted.com/talks/dan_gilbert_you_are_always_changing Listen. Planet Money: The Dollar at the Center of the World
As published in the Racine Journal Times | August 6, 2014 The Social Security Board of Trustees released their annual report a few weeks ago indicating the program is projected to exhaust its assets by
Watch.Listen.Read. for the week of August 6, 2014 Watch. Big Think: Be Yourself “It’s the great tragedy – people employed in ways that don’t fully tap everything they do best in life.” http://bigthink.com/ideas/being-neil-degrasse-tyson-be-yourself Listen.
Watch, listen, read Justin’s top picks for the week of July 15… Watch. 60 Minutes: Drones Over America “As questions about their use loom larger, camera drones are getting smaller.” http://www.cbsnews.com/videos/drones-over-america/ Listen. TED Radio Hour:
Here are my picks for the week of July 7. Watch. Jim Carrey: Commencement Speech “You can fail at what you don’t want, so you might as well take a chance on doing what you love.”
[vc_row][vc_column width=”1/1″][vc_column_text disable_pattern=”true” align=”left” margin_bottom=”0″]Michael Langendorf from Draeger Langendorf Funeral Home will share pre-planning options and considerations during this workshop. Learn about the various funding methods as well as the myriad choices for professional services
[vc_row][vc_column width=”1/1″][vc_column_text disable_pattern=”true” align=”left” margin_bottom=”0″]Join Justus Morgan and Justin Moilanen to learn the basics of Social Security including how benefits are determined for workers, spouses, and surviving spouses, the interaction between claiming now versus delayed
I recently took the opportunity to re-read “David and Goliath: Underdogs, Misfits and the Art of Battling Giants” by Malcolm Gladwell. It was compelling the first time reading it and even more so the second.
As published in the Racine Journal Times | July 3, 2014 Is it likely you or someone you know will need help as they age? Have you done anything to prepare? Fortunately, there are a
Welcome to my new blog post. Periodically, I will post links to some things I watch, listen to, or read that may be of interest to you. Enjoy! Watch. TED Talks: Why We Do What We
As published in The Racine Journal Times | June 12, 2014 Last month, I had the opportunity to travel to Omaha, Neb., for the annual shareholders’ meeting for Warren Buffett’s company, Berkshire Hathaway. So what
[vc_row][vc_column width=”1/1″][vc_column_text disable_pattern=”true” align=”left” margin_bottom=”0″]One of the key components to your estate plan is having a long-term care plan in place. Long-term care is defined as “care needed for a period of greater than 100
As seen in the Racine Journal Times | April 30, 2014 Driving around Racine, I often see homes for sale that have been listed for well over a year. I often wonder how the sellers
The Start-Up of You: Adapt to the Future, Invest in Yourself, and Transform Your Career by Reid Hoffman and Ben Casnocha This is a great book for anyone employed (or looking for employment) who is concerned about the changing
In this month’s issue: Justus Morgan’s To Your Wealth column as seen in the Racine Journal Times: Common Sense can apply to mortgages March 19 Social Security Workshop recap Office closed notices: April 18 and
To obtain your projected Social Security benefits visit www.ssa.gov/estimator Click here to obtain a copy of Financial Service Group’s Social Security Online Benefit Request Guide to help you find what you need on the site. This easy
As seen in The Racine Journal Times | April 3, 2014 A couple of important rules went into effect at the beginning of January that may affect your ability to obtain a loan to buy
In this month’s issue: Justus Morgan’s To Your Wealth column as seen in the Racine Journal Times: Navigating career changes March 19 Social Security Workshop reminder Save the dates for upcoming FSG events Download March’s
As seen in the Racine Journal Times | March 6, 2014 Whether you have ever voluntarily (or involuntarily) left a job, everyone should be prepared for this life transition that will most likely occur more
In this month’s issue: Justus Morgan’s February To Your Wealth column as seen in the Racine Journal Times: Impact of work while collecting Social Security benefits March 19 Social Security Workshop reminder and registration information
Did you know that one of the many services offered to clients of Financial Service Group is our approach to career transitions? In fact, FSG president, Michael Haubrich is recognized by our industry as one
As seen in Racine Journal Times | February 5, 2014 Has anyone told you that if you work while collecting Social Security retirement benefits, you’ll lose part of your benefits? If you’re like most people
[vc_row][vc_column width=”1/1″][vc_column_text disable_pattern=”true” align=”left” margin_bottom=”0″]Join Justus Morgan and Justin Moilanen to learn the basics of Social Security including how benefits are determined for workers, spouses, and surviving spouses, the interaction between claiming now versus delayed
In this month’s issue: Justus Morgan’s January To Your Wealth Column as seen in the Racine Journal Times: Too much of a good thing. An enduring message to begin the New Year from Mike Haubrich
As seen in Racine Journal Times | December 31, 2013 Compared to 2012 or just about any other year, 2013 turned out to be one of the best years in the stock market. Typically this
During the holiday season I had the wonderful experience of accompanying my young granddaughter on a visit to Milwaukee’s historic Pabst Mansion. The home of beer baron Captain and Mrs. Frederick Pabst is always decked
This month’s newsletter features Justus Morgan’s monthly column in the Racine Journal Times and links to his recent video interviews. Click to see the issue TYW Update.Dec2013
As seen in the Racine Journal Times | December 4, 2013 This year marks the 170th anniversary of Charles Dickens’ “A Christmas Carol,” which depicts the transformation of Ebenezer Scrooge after being visited by
Watch the 2nd part of the two-part “Money Talks” segment with FSG vice president, Justus Morgan.
Watch this brief “Money Talks” interview with Justus Morgan, CFP, to learn more about when you should start collecting Social Security. This is Part 1 of a 2 part series from The Racine Journal Times.
As published in Racine Journal Times | November 7, 2013 One of the least understood aspects of Social Security income is how it’s taxed. Sometimes it’s known as the “tax torpedo” because taxes on Social
In this month’s issue: Justus Morgan’s article: Social Security Social Security Workshop to be held on November 20. Thanksgiving office hours. Closed November 28 & 29. Download this month’s newsletter
In this month’s newletter: Justus Morgan’s article: When paying no income tax is a bad idea November workshop announcement: Social Security & You New web site to launch in November Download this month’s newsletter
As published in the Racine Journal Times | October 3, 2013 I recently met with someone who was very proud that she had accumulated enough in her bank savings account that she wouldn’t have to
In this month’s newletter: Justus Morgan’s article: When a will doesn’t matter. Our new lobby is a “destination.” Download this month’s newsletter
As published in the Racine Journal Times | September 5, 2013 Have you been divorced? Have you worked at the same company for decades? Have you owned a life insurance policy since before you were
Featured in this month’s To Your Wealth: Why bonds lose value Free shredding services available at FSG Photos from our First Friday and Bob & Brian Open Events Download To Your Wealth Update – August
[vc_row][vc_column width=”1/1″][vc_column_text disable_pattern=”true” align=”left” margin_bottom=”0″]One of the key components to your estate plan is having a long-term care plan in place. Long-term care is defined as “care needed for a period of greater than 100
As published in the Racine Journal Times | August 1, 2013 You may have been surprised in the past month when you opened your retirement or investment account statement to see you lost money in
As published in the Racine Journal Times | July 11, 2013 What would you say if I told you after age 60, you make worse decisions with your money? You might disagree which is actually
Saving for college doesn’t have to be as expensive as you think An interesting survey conducted by Edward Jones earlier this year indicated that 69 percent of Americans were unaware that 529 Plans were for
As published in the Racine Journal Times | May 3, 2013 As the stock market losses of 2008-2009 become a distant memory, it’s a good time for a refresher on the primary risk when it
Featured in this month’s To Your Wealth: Phishing and indentity theft are the focus of Justus Morgan’s colum for the Racine Journal Times Financial Service Group has safeguards in place to help you protect your
As published in the Racine Journal Times | April 3, 2013 A couple weeks ago I opened an email with the message “Hi Morgan” which I knew was odd since I’m not typically addressed by
Featured in this month’s To Your Wealth: There’s no crystal ball for predicting the stock market, but Justus Morgan, writing for the Racine Journal Times, speaks about rebalancing portfolios What are we to think of
As published in the Racine Journal Times | March 7, 2013 As stocks continue to increase in value, more people are starting to wonder whether they will continue to rise or whether a decline is
Featured in this month’s To Your Wealth: The tough subject of being recently widowed is discussed by Justus Morgan in the Racine Journal Times Mike Haubrich’s groundbreaking work about career as a vital asset class
As published in the Racine Journal Times | February 7, 2013 Do you have a relative or close friend whose spouse recently died? You may be in a unique position to help them through one
Featured in this month’s To Your Wealth: Happy New Year from the team at Financial Service Group Gift exclusion, inheritence, and Warren Buffet are discussed in Justus Morgan’s latest column for the Racine Journal Times
As published in the Racine Journal Times | January 3, 2013 Trillions of dollars are expected to be transferred in the coming decades from one generation to another. A common question I hear from older
Lori Jozefiak Administrative Assistant Lori rejoined FSG in summer, 2019 to reprise her role on our Admin Support Team. Lori’s is likely to be the first voice you hear when calling in. A master of
Michael is known for creatively blending traditional financial planning with contemporary thinking and tools to meet the work and life realities of today’s clients.
Michael is known for creatively blending traditional financial planning with contemporary thinking and tools to meet the work and life realities of today’s clients.
Traci Pedersen Administrative Assistant Traci joined the Financial Service Group team in December, 2015 as our Administrative Assistant replacing Lori, who generously postponed her plans to spend more time traveling with her husband while we
Michael is known for creatively blending traditional financial planning with contemporary thinking and tools to meet the work and life realities of today’s clients.
Michael is known for creatively blending traditional financial planning with contemporary thinking and tools to meet the work and life realities of today’s clients.
Justin Moilanen, a Certified Financial Planner with Financial Service Group, helps answer questions about retirement and investment planning.
Michael is known for creatively blending traditional financial planning with contemporary thinking and tools to meet the work and life realities of today’s clients.
Michael is known for creatively blending traditional financial planning with contemporary thinking and tools to meet the work and life realities of today’s clients.
We understand the apprehension that comes with planning for your future. Our no-commitment, free consultation with our trusted CERTIFIED FINANCIAL PLANNER™ advisors will put you at ease and show you all that Financial Service Group can offer. Contact us today and start planning for your tomorrow.
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