Knowledge, Experience & Attention

At KRM Financial Services, our clients benefit from our collective knowledge and experience and attention. We truly work as a team. Our clients feel comfortable calling on any one of us to answer their questions or assist with their needs.

Kraig Mickelsen, CFP®


Kraig began working in the financial services industry in 1994, established KRM Financial Services in 1999, and earned his CFP®, CERTIFIED FINANCIAL PLANNER™, certification in 2003.  When it comes to serving his clients, Kraig often says that, "God gave us two ears and one mouth for a reason." He believes that listening to each client's unique situation and asking questions to fully understand their individual needs is key to ensuring KRM clients receive the highest quality, financial advice available. He considers this personalized service vital to building a comprehensive plan with his clients that meet and achieves their personal goals.


Kraig is a financial educator, helping clients integrate wealth preservation and tax reduction strategies into the financial and investment planning process.  His dedication to working together with each client, in addition to his knowledge and experience in retirement planning and other life transitions, has earned him the respect and trust of his clients.  Kraig’s extensive work with women experiencing divorce and with those who have lost a spouse enable him to understand the challenges and concerns created by both the expected and unexpected transitional life event.


Kraig co-founded The Summit Study Group,, with the goal of bringing together top personal financial advisors from across the country to share their individual knowledge and experience and achieve a higher level of personal growth and professional development. This elite wealth planning group hosts semiannual meetings featuring noted speakers who share their insight and knowledge.


Kraig earned a Bachelor of Arts degree, Magna Cum Laude, with a major in Chemistry and minors in Math and Biology from Augustana College in Sioux Falls, S.D. Kraig lives in Geneva, Ill., with his wife Debbie and their four children. He makes family time a priority by coaching various youth sports, assisting with extracurricular school functions and making occasional college visits. He enjoys softball, weight training and reading.  Kraig has been actively involved with his church having served on the finance committee as well as chairing pastoral call and scholarship committees.

David Deschamps, CFP®


A trusted friend and colleague introduced me to KRM Financial Services while I was working for a large financial services company.  I joined KRM Financial in 2007.  Furthering my education was a must, so I immediately began pursuing the CERTIFIED FINANCIAL PLANNER™ designation.  After completing the rigorous curriculum within just six months, I passed the CFP®, CERTIFIED FINANCIAL PLANNER™ exam in late 2007.  I have since honed my skills as an advisor working alongside Kraig Mickelsen as he mentored me in the business.


Excellent client service is a core value of mine at KRM Financial.  Consequently, I continue to collaborate with Kraig


and Monica to support client relationships through individualized research, continuing education and specific client portfolio implementation.  Our team atmosphere allows us to share all our best ideas to better serve our clients.


I believe the competency that I bring to KRM Financial as a disciplined and trusted CFP® professional is a result of my passion for listening to the concerns and dreams of each individual client.  I am dedicated to building investment portfolios that align with clients’ goals and are focused on achieving these goals.


I live in Glen Ellyn with my wife and two sons, and I am a lifelong native of the Chicagoland area. In my free time I am an avid Chicago sports fan and also enjoy playing golf and spending time at a family lake house in Wisconsin. I graduated from Calvin College in Grand Rapids, MI with a Bachelor of Arts degree in Business.

Monica Moose, CDFA™


After 12 years of client service experience in the corporate and small business world, I made the decision to join KRM Financial Services in 2006, managing the front office, handling daily operations and greeting clients.  Prior to joining KRM Financial, I had taken some time off to stay home with my two young sons while substitute teaching and volunteering time with many active organizations.


At KRM Financial Services my greatest joy has been establishing relationships with our longstanding and new clients. Listening and learning about our clients’ expectations, needs and concerns, and then seeing the




results of a carefully drafted plan inspired me to become a licensed financial advisor.  In addition I chose to pursue accreditation with the Institute for Divorce Financial Analysts™ and successfully earned the Certified Divorce Financial Analyst® designation.


Having personally experienced a life transition myself, I understand the anxiety associated with a major life change.  I truly enjoy working alongside our clients and helping them navigate through the numerous financial moving parts while always keeping in mind that each and every client’s situation is uniquely personal to them.

I graduated from Western Illinois University with a Bachelor of Business degree in Marketing.


I have lived in the Fox River Valley all of my life and have been in St. Charles for over 30 years.  Outside of work, my favorite place to be is the outdoors.  I enjoy running and hiking, and I have added cycling as one of my new favorite activities.


Kraig Mickelsen, CFP®

David Deschamps, CFP®


The CFP® mark is the recognized standard

of excellence in personal financial planning.


Elizabeth Chen


I joined the KRM Financial Services team in 2015 assisting with daily operations and working closely with Kraig, Dave and Monica to insure you have the best care possible.  I am the friendly voice who greets you on the telephone and welcomes you when you visit our office, giving you the personal attention you deserve.


My background is Special Education/Education, and I taught a number of years in Cambridge and Framingham, MA before staying home with my children. I reentered the corporate workplace first assisting and then becoming Operations Coordinator for the children’s ministry at a large local


church.  As a mom of four, special educator, and operations coordinator, I have relied on systems to keep me organized.  I bring this skill set to our team while focusing on YOU, our client, in a caring, personal manner.


I received my Bachelor of Science from SUNY College at Oneonta, NY and Master of Science from Wheelock College in Boston, MA.


I live in St. Charles with my husband, two daughters and twin sons.  I am passionate about helping to organize and run our local marathons and am actively involved in my church.  In my downtime I love hiking in the mountains out west, going to the theater, cooking and reading.  You can often find me out on one of the nearby trails getting in a run or on a bike ride.


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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