Kraig Mickelsen, CFP®


The CFP® mark is the recognized standard

of excellence in personal financial planning.


A Simple Conversation

At KRM, we provide planning through life’s transitions. We understand that every family situation is unique and each transition in life may bring changes to income or a loss of benefits. Our relationship starts with a simple conversation to better understand what is changing in your life.

Looking Toward Retirement

Divorce / Separation

Retirement may be something you've been contemplating for years. Or perhaps workplace changes have brought on opportunities for early retirement. Whatever the circumstances, imagining life without a regular paycheck can be exciting…and unnerving. At KRM Financial Services, we'll help you answer that all important question, "Do I have enough to retire?" Taking an honest look at your lifestyle, spending habits and financial obligations is the first step in answering the question.


We'll help you explore the possibilities of what your retired life could look like, help bring your dreams into perspective and carefully listen to your needs. And, with careful and personalized financial and income tax planning, we help clients get the most from their severance agreements, company buyouts and lump sum distributions. We assist you in examining other aspects of your financial life, including insurance, social security and even help you evaluate whether or not to pay off your mortgage.

In divorces, attorneys represent and assist you in obtaining what you are legally entitled to receive. At KRM, we can work with your

attorney and counsel you through your divorce and beyond to ensure you receive the financial resources and assets you need, and deserve,

to live as financially independent as possible. We become an integral part of your support network. We sit beside you at the table and can accompany you in meetings with attorneys.



We understand the financial issues related to a divorce and can establish how the division and receipt of assets will impact you now and in the future as it pertains to your Marital Settlement Agreement. The division of property, the receipt of spousal and/or child support and related tax consequences can be analyzed and presented to you and your attorney for careful consideration.


We also help address your needs beyond the divorce, by offering advice and guidance in planning your financial future. Our clients look to us to help them make the most of their settlement to provide income for today and in the future. We can help you with budgeting and income tax planning to help ensure your assets and resources are there when you need them.

Loss Of A Spouse

At KRM Financial, we understand that your priorities have changed – often suddenly. This is a difficult and emotionally challenging time. We have earned our clients' trust by being objective and coordinating and collaborating with their other advisors and family members. Our clients rely on us as a sounding board and as a trusted counselor in dealing with financial matters, life insurance proceeds, Social Security Survivors' Benefits and matters related to investment and retirement accounts, IRAs and pensions.


We counsel our clients in making informed financial decisions. As your advisor, we'll listen to your needs and concerns and help you make sense of the opportunities and priorities of family, children and grandchildren, your church, your community and your favorite causes and charities. We can help you with financial and income planning and budgeting to help ensure you have the resources you need to live comfortably and independently.


We provide income tax and investment planning to help you minimize or defer your tax liabilities and ensure your assets and resources are available when you need them.





(630) 377-8760

Planning Through Life's Transitions.

Life changes. Financial planning to keep you on course.


555 South Randall Road, Suite 202

St. Charles, Illinois 60174


Phone: (630) 377-8760

Fax:    (630) 377-8769


Securities offered through Ausdal Financial Partners, Inc., member FINRA / SIPC.

Advisory services offered through Ausdal Financial Partners, Inc., a Registered Investment Advisor.

Ausdal Financial Partners Iowa: 5187 Utica Ridge Road, Davenport, Iowa 52807

Ausdal Financial Partners Illinois: 3250 Lacey Road, Suite 130, Downers Grove, Illinois 60515

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED



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