Planned giving tax update 2020
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.
October Investment Update
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.
Hanging on to stuff can cost you more than money
Using valuable square footage in your home or garage to store and extra 20 years’ worth of stuff carries a cost.
Funeral pre-planning can be a loving gift – October 13 Virtual Learning Event
Back by popular demand! Learn about funeral pre-planning and how this can help ease the burden for your surviving loved ones.
Justin Moilanen teaching virtual Retirement Planning Today® course
Justin Moilanen will be virtually teaching the Retirement Planning Today curriculum as part of UW-Parkside’s mini-course offering. Read more and register.
Charge it, Junior! Should kids have a credit card?
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.
Thanks for taking time to give us your feedback. We’ve paid it forward.
We had a 75% response rate to our call for client feedback and have made a $1000 donation to Health Care Network in Racine.
Career Asset Management question: What can I contribute?
Benchmarking your career asset does not only apply to your compensation. Being able to answer “what do I contribute” helps identify your value.
Health Insurance Before Medicare – Virtual Learning Event – Sept 29
Virtual Learning! This repeat learning event will help you learn more about health insurance options available to you before your Medicare age eligibility.
Sustaining your Career Asset amid Social Distancing
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.
COVID-19: How we’re keeping you (and us) safe
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.
Control what you can during discontinuous change
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.
Tax law changes impact required minimum distributions
Changes to required minimum distribution rules as the result of SECURE and CARES Acts may help retirees by relaxing some of the requirements.
Watch for our new ads!
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.
Why we turned down the PPP money. FSG Updates as of April 24
We were confronted with a business decision and applied our values to come to a conclusion that makes us proud.
Understanding your Social Security Benefit – A Virtual Learning Event – June 2
Attend our next Virtual Learning Event, hosted by Justin Moilanen.
FSG Updates as of April 10
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.
Investment Update Webinar – A Virtual Learning Event – April 20
Attend the April 20 Webinar, hosted by Justin Moilanen on the topic of Investing
Crops will grow back so don’t sell the farm
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.
FSG Updates as of April 3
We’re trying to stay in close touch during the Coronavirus outbreak. Read our lates firm update.
FSG Updates as of March 27
Our office lobby is now closed to the public. Highlights of the CARE Act.
Renting versus buying your home
Renting could be a viable option to buying your home. Be sure to weigh it carefully!
Our response to Coronavirus
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.
Understanding your Social Security Benefit – March 14 Coffee & Kringle event
This event is being rescheduled due to limiting group interactions during the active Coronavirus outbreak.
Helping build secure futures for local teens
Vince Tortorici volunteers teaching Money Sense to teens at Park High School.
Building your Investment Portfolio – April 18 Coffee & Kringle event
Our scheduled Coffee & Kringle learning events are being postponed until further notice.
Brief Update on Current Market Volatility
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.
Collecting Social Security in special cases
The most common Social Security benefit is for retirees, but there are other circumstances under which you can collect benefits.
Introducing Coffee & Kringle with Justin Moilanen
We’re pleased to announce a sweet new opportunity to expand your personal finance knowledge through our Coffee & Kringle events!
Technologies to support our clients
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,
My favorite Wisconsin tax deductions
Wisconsin still offers an itemized deduction tax credit which some people can claim if it exceeds their Wisconsin standard deduction.
Justus Morgan teaching Retirement Planning Today® mini-course at UW-Parkside
Justus Morgan is once again teaching Retirement Planning Today hosted at UW-Parkside for those age 50-70. Read more and register.
Making Sense of Retirement Distributions – October 17 Coffee & Kringle event
Attend our October 17 Coffee & Kringle with Justin to help you make sense of retirement distributions, income sources, penalties and more.
Decoding the Tax Code – September 19 Coffee & Kringle event
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.
Creating your Estate Plan- May 16 Coffee & Kringle event
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.
Invest in your career asset
Tending to your career requires the same attention to detail and investment as you would take for other forms of investment assets.
Open enrollment deadlines for 2020 approaching
Don’t miss the deadlines for 2020 Medicare Open Enrollment. See this post for links to helpful information.
Best tools for reducing health care costs
Read about one of the best tools for reducing health insurance costs: the Premium Tax Credit.
Understanding the true costs of senior care
Mike’s column discusses the true costs of in-home versus institutional care for seniors.
Vincent Tortorici, CFP®, MBA
Welcome Vincent Tortorici to the FSG financial Planning team. Vince relocated from North Carolina to join the team in August.
Justus Morgan teaching Retirement Planning Today® mini-course at UW-Parkside
Justus Morgan is once again teaching Retirement Planning Today hosted at UW-Parkside for those age 50-70. Read more and register.
Fee-only financial planning Learning Event – November 5, 2019
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.
Health Insurance Before Medicare – November 19 Learning Event
In this session you will hear about differences, costs and coverages associated with health insurance before age 65.
Health insurance options when retiring before age 65
Learn a few important things to know when considering retiring before your Medicare eligible.
Data Breaches: Another Day, Another Hack
Learn a few things you can do when you’ve been or are at risk of a data breach.
Health Insurance Before Medicare – October 8 Learning Event
This session is full. The next session on this topic will be held on November 19.
Options for Senior Living – August 20 Learning Event
Our free August Learning Event is focused on exploring a host of options for senior living. SIgn up now!
Walking tour of beautiful downtown Racine – August 10
Fun way to learn more about Racine history! No cost to clients and guests. Sign up today!
Understanding Cash Flow is Essential for Financial Independence
Help yourself and your loved ones better understand their cash flow and spending habits. Justus’s article offers some great tips.
Client & Friends Appreciation Event – September 26
RSVP for our Annual Clients & Friends Appreciation Event!
Financial planning website tips for navigating
Mike’s latest RJT article offers ideas for what to look for when visiting financial planning websites.
Making Sense of Retirement Distributions – June 11 Learning Event
Attend our June 11 Learning Event to help you make sense of retirement distributions, income sources, penalties and more.
Rolling over retirement plan balances
Leaving an employer involves making decisions including what to do with retirement plan balances you’ve accumulated during your employment.
Knowing the difference between high- and lower-interest paying accounts
There are higher- and lower-interest paying accounts. Not knowing the difference could cost you money.
We’re hiring an Associate Financial Planner/Advisor
Check out our opening for an associate financial planner/advisor.
Tax-related documents you should retain
When youre overrun with papers, know what to retain and for how long.
2018 FSG in review – celebrating our team
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?
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,
Consider a gift you can give yourself
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
Giving thanks: Creative cards inspire gratitude
A special shout out to our friends at Careers Industries for the beautiful work on our 2018 holiday cards!
Year-end tax planning tips
Be sure you’re taking advantage of some tax-planning tips from Justus Morgan.
Market volatility shaking you up?
Here’s a great perspective on the recent market volatility courtesy of our friends at Dimensional Fund Advisors.
Special needs trust can create financial well-being for a loved one with a disability
A Special Needs Trust provides added peace-of-mind in helping ensure the financial well-being of your loved one with a disability.
Where is the money?
It’s a good reminder to be vigilant about where the money in your investment accounts is actually held.
Understanding residential options for seniors
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.
Check(ing) please
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.
Medicare Learning Event – Sept 12
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.
Long Term Care Planning Learning Event – Oct 10
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.
FSG Team outing to celebrate 35th anniversary
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 financial incapacity
Recognizing and addressing signs of financial incapacity can help protect your elder loved ones from the potential of financial abuse.
Anniversary Celebration – September 13
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 you
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
What sides come with that sandwich?
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.
May 8: Exploring FSG – experience our unique approach to helping you live your great life
Here’s an opportunity to learn more about FSG and the fee-only advantages you’ll experience with us. Open to the public!
Anniversary reflection…our offices, old and new
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
Career uncertainty have you concerned?
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.
Reflections on our 35th anniversary
We’re celebrating our 35th Anniversary this year. Michael Haubrich shares his reflections on this milestone event.
Dealing with the uncertainties of retirement
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.
What is your vitality plan?
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!
April 17: Decoding the new tax code and what it means for you
Attend this no-cost opportunity and learn more about how the new tax code will impact you in 2018 and beyond.
Using “the force” to invest: SRI aligns investments with your values
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
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
Nudging people in the right direction
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.
Learning Event: Preparing for your retirement
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?
Justin Moilanen earns Retirement Income Certified Professional® designation
Congratulations to Justin Moilanen on earning his Retirement Income Certified Professional® designation from The American College.
New additions to our Charity Referral network
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.
Volunteer Day enriches FSG team members
Read about and see images of Team FSG at work volunteering for Veterans Outreach of Wisconsin at their tiny homes for veterans project.
Donations being collected for Veterans Outreach of Wisconsin
We’re collecting items for the Veterans Outreach of Wisconsin. Check out the list of needed items!
Taking a holistic view of your financial plan
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.
Equifax data breach – what to do if you’ve (likely) been impacted.
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.
Kicking the kids off the family dole; helping adult children become financially independent
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
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
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
Putting some bounce in your step
Don’t let a financial setback be as uncomfortable as shoes that are too small. Read how to bounce back.
Graduating to older life is cause for celebration
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.
Client & Friends Appreciation Event – August 24
RSVP for our Annual Clients & Friends Appreciation Event!
Defining your next specific action can help you achieve your goals
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
Learning Event: Habits of Career Sustainability
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
Organizing your financial information
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
Learning Event: April 11 Planning for your great, late life
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.
Financial Market Overview – Q1 2017
A few comments on the Financial Market performance for Q1 2017
Mike Haubrich earns Certified Senior Advisor (CSA)® designation
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
Save more without spending less
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.
What a market top looks like
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.
Recognizing financial elder abuse
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.
Be alert for possible phone scammers
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!
2017 Learning Events. Save the Dates!
We’ve got an exciting lineup of Learning Events scheduled throughout the year. Save the dates on your calendar. Guests are always welcome!
Watch.Listen.Read. – January 2017
Here are Justin’s picks for what to watch, listen to and read.
Levers for reducing investment risk
There’s little you can control about the stock market. Learn about a couple things you can do to reduce your investment risk.
Learning Event: Meet FSG
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
Watch.Listen.Read. – December 2016
Here are Justin’s picks for what to watch, listen to and read.
Our own worst enemy
Many of us can tell dysfunction when we see it. Would you recognize if your behavior around money started exhibiting signs of dysfunction?
Wacth.Listen.Read – November 2016
Here are Justin’s picks for what to watch, listen to and read.
The election’s impact on your portfolio
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.
The pillars of America’s success
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.
Watch.Listen.Read. – October 2016
Don’t miss Justin’s picks for October for what to watch, listen to and read!
Presidential elections and the stock market
Take a look at the historical impact of presidential elections on stock market performance.
Medicare open enrollment:Avoid the pitfalls, take the opportunities
Medicare open enrollment for Medicare is Oct 15-Dec 7. Here are some things you need to know…
Boosting your returns in retirement
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 earns CFP® professional credential – the gold standard in the financial planning industry
Justin Moilanen has completed the rigorous credentialing standards to earn his CERTIFIED FINANCIAL PLANNER™ designation from the CFP Board.
Watch.Listen.Read. – September 2016
Don’t miss Justin’s picks for September for what to watch, listen to and read!
Speaking to seniors about money and care options
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
Justin’s Watch.Listen.Read picks for August 2016
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,
It’s been six weeks since Brexit. Now what?
What does Brexit mean and what will happen now? The process won’t even get underway until at least the end of the year.
Whole family conversations lead to clarity
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.
Finding your way through the Medicare maze – Oct 11
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.
Learn about Long-Term Care Planning – September 13
Join FSG for this no-cost learning opportunity available to clients, guests and members of the community.
A thankless job for caregivers
Providing care for a aging loved one can be a daunting task. Reduce uncertainty by understanding more about the role before taking it on.
Client & Friends Appreciation Event – September 8, 2016
FSG clients and friends, RSVP for our annual appreciation event!
Justin’s Watch.Listen.Read picks for July 2016
Justin picks his favorite things to Watch.Listen.Read for the month of July.
Brexit and the importance of a diversified portfolio
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.
Welcome Brittany!
The FSG team has grown. Read more about Associate Financial Planner, Brittany Komorowski.
How advisors can fight elder financial abuse
Mike was recently asked to share his thoughts with Research Magazine readers about identifying and fighting elder financial abuse.
Justin’s Watch, Listen, Read picks for June 2016
Justin’s in the know when it comes to cool stuff to watch, listen to and read. Here are his favorites for June.
You’ve graduated, now what?
Now that you’ve graduated, it’s time to take charge of your finances.
Now available! Read our 2016 Firm Update
Our firm update provides a cool historical timeline indicating our milestones. Check it out.
How much in a working lifetime does it cost you to be a woman?
That’s a question posed by the National Women’s Law Center, and its analysis was eye-opening.
Creating a financial plan. Where to begin?
A long journey starts with a single step. Read more about how to start a financial plan that aligns with your great life.
CNBC interview with Michael Haubrich on Career as an asset
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.
Repeat Workshop: Funeral pre-planning can be a loving gift – June 14
This workshop is currently full. You can still register and your name will be put on the waiting list.
Take care of last minute details
Help yourself and your family avoid added stress when death inevitably occurs. Read Justus’s article for more on this.
PBS interview with Mike Haubrich
PBS’s Next Avenue blogger, Richard Eisenberg, recently interviewed Mike Haubrich about how he works with clients on thier career asset.
Workshop: Considerations and advantages of pre-planning your funeral – April 19
Our Funeral Pre-Planning workshop on April 19 is full. Watch for a repeat of this workshop coming soon.
Three habits for growing your career asset – (part 2)
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
Justus Morgan earns Retirement Income Certified Professional® (RICP®) designation
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
Your most valuable asset (your career!) – part 1
Understanding your career as an asset may change the way you think about how you manage and invest in it.
The Great Panic of 2016
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
Wall Street drama
When China sneezes, the U.S. catches cold. Read about the latest drama to hit Wall Street
Finally, some permanent tax changes
On Dec. 18, several important tax law changes were enacted and, most importantly, made permanent.
Workshop: Social Security & You – March 22, 2016
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.
Changes to Social Security you should know about
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.
FSG is hiring! Associate Financial Planner
We’re looking for new talent to join our team! Share the info!
Living the dream: Non-financial aspects of retirement
Many people have a great image of what retirement will be like. Justus Morgan’s column explores the non-financial aspects of retirement.
Is retirement grass greener? An FSG panel discussion.
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.
To Your Wealth Update – October 2015
Click the link below to access our latest newsletter featuring Justus Morgan’s monthly column, workshop announcements and more! TYW Update.October2015
The allure of higher interest rates
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
Know how much your donations are worth
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
To Your Wealth – September 2015
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
Navigating the Medicare Maze – An FSG Workshop – October 20, 2015
This is one of our most popular workshops. Click here to read more and to reserve your seat.
Watch.Listen.Read. – September 15, 2015
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
Understanding Long-Term Care Workshop – September 22, 2015
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.
Follow the plan
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.
How to read the panicky market
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.
To Your Wealth – August 2015
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
Career Asset Management web site and social sites now live!
Visit our new web and social media spaces dedicated to Career Asset Management. Learn more here.
Long-term care misconceptions
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.
To Your Wealth – July 2015
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
In search of higher returns
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.
To Your Wealth – June 2015
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
Great reads for busy parents
Get comfortable speaking to your children about handling money. Read Justus’s June Racine Journal Times column.
Join us for Racine’s First Fridays – August 7, 2015
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.
Social Security & You Workshop – June 24, 2015
Our next workshop, Social Security & You will be held on June 24. Click to register.
Social Security benefits for spouses
Do you know the Social Security benefits your spouse is entitled to? Find out here.
Living the dream – understand the non-financial aspects of retirement
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
To Your Wealth – April 2015
Don’t miss out on what’s going on at FSG. Read our April newsletter!
Finding your purpose in life
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.
How to ensure against a rainy day in your career
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.
Investing 101 – April 16, 2015
Join Justus Morgan and Justin Moilanen for an evening of learning and discussion.
Risky business: risk tolerance vs. risk capacity
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
How to fill a career a retirement income gap with career value
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
To Your Wealth – February 2015
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.
Social Security & You – March 19, 2015
[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
Undoing Social Security decisions
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
To Your Wealth – January 2015
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
An appreciative year in review
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.
Having a plan helps the drop from hurting (too much)
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
December 2014
To Your Wealth Update December 2014 The season for asking – Justus’s December article as published in the Racine Journal Times
Book review: The start-up of you-Adapt to the future, invest in yourself, and transform your career
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
The season for asking
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
Praise for Career Asset Management: Getting Ahead, Staying Ahead and Using your Head to Maximize your Career Value
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
An abundant Thanksgiving week
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
November 2014
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
Retirement income for surviving spouses
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
October 2014
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
Volatility is up. So what?
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
Investing 101 – November 12
[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
My first prediction in writing
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
September 2014
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
Medicare webinar with Allen Hamm – October 14, 2014
[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
Sharpen your business pencil
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
Watch.Listen.Read. – September 2, 2014
Read Justin’s latest picks for you to watch, listen to, and read.
Watch.Listen.Read – August 27, 2014
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
August 2014
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.Listen.Read – August 19, 2014
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.Listen.Read. – August 13, 2014
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
Social Security – A history of change
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.- August 6, 2014
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 – July 15, 2014
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:
Watch.Listen.Read. – July 7, 2014
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.”
Pre-planning your funeral details – September 16, 2014
[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
Social Security and You – September 17, 2014
[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
Book Review: Malcolm Gladwell’s “David & Goliath”
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.
Helping aging family members ensure they have plans in place
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
Watch.Listen.Read. – June 30, 2014
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
My pilgrimage to Omaha reinforced a long-term perspective
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
Understanding Long-Term Care Planning – August 5, 2014
[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
Hassle-free home sales
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
Book Review: The Start-Up of You
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
April 2014
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
Social Security online benefit request guide
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
Common sense can apply to mortgages
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
March, 2014
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
Navigating career change
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
February, 2014
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
Spotlight on service: Career Transitions
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
Impact of work while collecting Social Security benefits
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
Social Security & You – March 19
[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
January, 2014
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
Too much of a good thing?
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
An enduring message to begin the New Year
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
December, 2013
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
Who’s your Marley?
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
Social Security Interview with Justus Morgan Part 2
Watch the 2nd part of the two-part “Money Talks” segment with FSG vice president, Justus Morgan.
Social Security video interview with 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.
Learning about the Social Security tax torpedo
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
November 2013
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
October 2013
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
When paying no income taxes is a bad idea
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
September 2013
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
When a will doesn’t matter
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
August 2013
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
Understanding Long-Term Care Planning
[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
Why bonds lose value
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
Long-term care: A family decision
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
As published in the Racine Journal Times | June 9, 2013 An interesting survey conducted by Edward Jones earlier this year indicated that 69 percent of Americans were unaware that 529 Plans were for college
Identifying the elements of investment risk
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
April 2013
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
Phishing for your money
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
March 2013
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
How to time the market
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
February 2013
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
Actions for the newly widowed
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
January 2013
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
From one generation to the next
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
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
BOB FRANCOUR, CPA
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.
KIM MOLBECK
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
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
TERRI D’ALIE
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.
BRITTANY KOMOROWSKI, CFP®, EA
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, CFP®, RICP®, MBA
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.
JUSTUS MORGAN, CFP®, RICP®, EA
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 HAUBRICH, CFP®, CSA CERTIFIED SENIOR ADVISOR®
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.