KRM Financial Planning & Wealth Management, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
KRM Financial Planning & Wealth Management is an SEC‑registered investment adviser that provides asset management, comprehensive financial planning, and retirement plan consulting to a mix of individuals, trusts, foundations, endowments, pension and profit‑sharing plans, and businesses. The firm’s brochure states it serves primarily high‑net‑worth clients and also offers ERISA‑related fiduciary and participant education services for retirement plans.
KRM implements portfolios through firm models or by selecting third‑party money managers, operating with discretionary authority and an ongoing due diligence process that combines quantitative screening with practitioner judgment. The firm employs third‑party tools for planning and reporting (eMoney, Holistiplan, Morningstar, Orion), may recommend fee‑based variable annuities, and monitors manager alignment with client objectives.
Noteworthy features for a single‑adviser firm with over $200 million in AUM include its formal ERISA 3(21) fiduciary retirement plan services and a structured suite of plan communication and education offerings, which are less common among similarly sized advisers. The brochure also discloses that the adviser holds insurance licenses and several separate real‑estate businesses and is self‑supervising, factors the firm identifies as potential sources of additional compensation or conflicts to be managed.
Client services
Expertise
Fee options
Fixed fee services range from $1,500 to $50,000, negotiated based on scope and complexity.
$0 - $500,000: 1.25% $500,001 - $1,000,000: 0.75% $1,000,001 - $2,500,000: 0.65% $2,500,001+: 0.55%
KRM’s advisory professionals may receive commission-based compensation for the sale of insurance products.
Hourly fees range from $250 per hour and up.
Main office
See office555 S. Randall Road, Suite 202
St. Charles IL 60174
Advisors at this office
1
Offices (2)
Most active in
Arizona · Florida · Illinois · Michigan · North Carolina · Tennessee · Texas · Wisconsin
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Advisors at this firm
Kraig M
CFP®, Series 63, Series 65
St. Charles, IL
KRM Financial Planning & Wealth Management, LLC
Kraig Mickelsen is a financial advisor with KRM Financial Planning & Wealth Management, LLC in St. Charles, IL. He holds the CFP® designation along with Series 63 and 65 licenses and has 29 years of industry experience. Mickelsen has previously worked at Arete Wealth Management, Ausdal Financial Partners, and QA3 Financial LLC. Outside of advisory work, he is a minority owner and managing member of Integrated Planning LLC, a financial and insurance planning collaborative. KRM Financial Planning & Wealth Management is an SEC-registered firm that provides asset management, comprehensive financial planning, and retirement plan consulting primarily to high-net-worth clients. The firm employs discretionary portfolio management through firm models or third-party money managers and offers ERISA 3(21) fiduciary retirement plan services along with participant education programs.
Heinz B
Series 66
Waynesville, NC
KRM Financial Planning & Wealth Management, LLC
Heinz Brisske is a financial advisor at KRM Financial Planning & Wealth Management, LLC with 18 years of industry experience. He holds a Series 66 credential and has previously worked at Arete Wealth Management, LLC and Robert B. Ausdal & Co., Inc. Brisske is also a full-time partner at Huck & Brisske, LLC, a law firm, and has an additional interest in photography through Brisske Business, Ltd. KRM Financial Planning & Wealth Management is an SEC-registered investment adviser serving high-net-worth individuals, trusts, foundations, endowments, pension and profit-sharing plans, and businesses. The firm offers asset management, comprehensive financial planning, and retirement plan consulting, utilizing firm models and third-party money managers with an emphasis on fiduciary retirement plan services and client education.
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)