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About Thomas M. Krahe
Tom graduated from Central Michigan University in 1973 with a Bachelor of Science degree and began his career in the financial services industry in 1976. Tom spent the early years of his career studying financial services while selling health and life insurance. In 1981, he completed his securities licensing and in 1989 he enrolled in the College for Financial Planning, earning his CERTIFIED FINANCIAL PLANNER TM Practitioner certification in 1992.
Tom was born and raised in Onekama, and with the exception of his college years, has lived in Manistee County all his life. When he is not in the office, Tom can be found at home tending 17 varieties of apples in his orchard. In addition, he can be found working on his lawn, working in his vegetable garden, gathering firewood, and following professional baseball and the Detroit Tigers. In 2014, he was blessed with his first two granddaughters, and now ‘baby hugging’ is his latest passion! About John M. Lugauer
In 1993, while finishing a Bachelor of Science degree at Taylor University, John Lugauer decided to pursue a career as a financial planner. After several years working as a systems analyst in a financial institution, he continued to learn about the investment and financial industry and worked part-time in the industry to gain experience. In 1999, John opened his office in Schoolcraft, Michigan, and completed his securities registration and insurance licensing requirements.
John desires to be a very knowledgeable and honest financial planner for his clients. He has continued his life-long learning by completing his advisory designation in late 1999 and additional exam requirements in 2004, Registered Financial Consultant designation and the CERTIFIED FINANCIAL PLANNER™ Practitioner certification in 2007. In 2013, John continued his education by adding the Accredited Investment Fiduciary® designation. John’s hobbies include: coaching kid's sports teams, running, biking, music and family activities. About Cheryle Morin
Since 2014, Cheryle has been a Client Service Specialist and Administrate Associate for Krahe & Associates. By managing day to day operations, she is the first point of contact when you call or come into the office. Cheryle builds relationships with clients, schedules appointments, answers account questions, and handles online access assistance. She has enjoyed getting to know clients on a personal level and looks forward to seeing them at their annual reviews.
Cheryle is originally from Detroit but has called Manistee her home since marrying her husband Tom in 1994. Together they started a tree nursery business called Fox Farm Nurseries LLC and raised their three children, Tommy, Emily and Mya. Cheryle obtained her bachelor’s degree in Business Management from Davenport University. In her free time Cheryle enjoys playing tennis, going to the movies, performing in local theater, walking her little Chihuahua Tia, spending time with her family, enjoying some of the best beaches in Manistee, and babysitting her very first grandchild, Gavin |
Thomas M. Krahe, CFP®
CERTIFIED FINANCIAL PLANNER™ Professional 
John M. Lugauer, CFP®
CERTIFIED FINANCIAL PLANNER™ Professional 
Cheryle Morin
Client Service Specialist Administrative Associate 
“I take personal satisfaction in helping my clients pursue their goals. For me, it is very rewarding and humbling knowing that people place their highest trust in my knowledge and abilities to guide them through some of life’s toughest decisions.” |
Krahe & Associates, Inc. - Thomas M. Krahe, CFP® and John M. Lugauer, CFP®
Phone: (231) 723-9440 Fax: (231) 723-9263 www.InvestManistee.com
Phone: (231) 723-9440 Fax: (231) 723-9263 www.InvestManistee.com
© 2017 Krahe & Associates, Inc.
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The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: AZ, CA, CO, FL, IA, IL, IN, KS, KY, LA, MI, MT, OH, SC, WI, WV
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP ®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements. This site is for informational purposes only and is not intended to be a solicitation or offering of any security and: • Representatives of a Registered Broker-Dealer (“BD”) or Registered Investment Advisor (“IA”) may only conduct business in a state if the representatives and the BD or IA they represent (a) satisfy the qualification requirements of, and are approved to do business by, that state; or (b) are excluded or exempted from that state’s registration requirements. Representatives of a BD or IA are deemed to conduct business in a state to the extent that they would provide individualized responses to investor inquiries that involve (a) effecting, or attempting to effect, transactions in securities; or (b) rendering personalized investment advice for compensation.