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,

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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

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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

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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

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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.

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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!

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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?

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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

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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

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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

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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.

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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.

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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

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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?

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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.

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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

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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

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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

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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.

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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.

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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

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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.

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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

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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.

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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

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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.

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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.

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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

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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

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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

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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.

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December 2014

 To Your Wealth Update December 2014 The season for asking –  Justus’s December article as published in the Racine Journal Times    

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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,

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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

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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

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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.

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July 2014

TYW Update Aug2014 Making plans for helping aging family members – Justus Morgan’s RJT monthly column Print and Kindle versions of Mike Haubrich’s book “Career Asset Management: Getting ahead, staying ahead and using your head.”

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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:

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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.”

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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

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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

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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

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June 2014

Featured in the June issue of To Your Wealth Update: Justus Morgan’s Racine Journal Times column as published on June 11 : My pilgrimage to Omaha Read Mike Haubrich’s recently published book entitled, Career Asset

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May 2014

Featured in the May issue of To Your Wealth Update: Justus Morgan’s Racine Journal Times column as published on April 30, 2014: Hassle free home sales. FSG attends conferences to remain current and innovative Proud

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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July 2013

Featured in this month’s To Your Wealth: Long term care: a family decision Long term care workshop announced Event reminder: First Friday with FSG Lighthouse run photos Download ToYourWealth Update – July 2013

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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

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June 2013

Featured in this month’s To Your Wealth: Financial Service Group is a proud sponsor of the 4 Mile Competitive Run for the 2013 Lighthouse Run We will be hosting another wine and food tasting to

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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

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May 2013

Featured in this month’s To Your Wealth: Justus Morgan talks about investment risk for the Racine Journal Times Retirement planning as an expedition? Justus Morgan, writing for Kenosha Prime Magazine, shares his thoughts Financial Service

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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

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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

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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

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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

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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

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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

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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

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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

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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

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TAMI WITT

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.

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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.

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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.

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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

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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.

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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.

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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.

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