Most people haven't had the time to step back and assess their finances. Their financial picture looks more like Picasso and less like Rembrandt. They're a mess of 401k's, IRAs, several saving accounts, and the CD they were gifted from Dad a few years back. That's ok. We sift through the mess and help make sense of it all.

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What We Do

We take our clients through a deliberate process designed to assess your current financial picture, identify your goals, formulate a plan to achieve those goals, and measure & mitigate the risks that threaten that plan. We do this through a process we refer to as our Five-Star Formula.

1. Goal Planning
- Determine goals & objectives
- Retirement, college, business sale, wealth transfer, gifting
2. Cash Flow & Budgeting
- Cash flow & net worth analysis
- Retirement income planning: Social Security, Pensions, Annuities
3. Comprehensive Investment Management
- Create Investment Policy Statement (IPS)
- Portfolio construction & asset allocation: IRA's, Roth IRA's, 401(k), 403(b)
4. Risk Management
- Insurance review: Life, Long-Term Care & Disability
- Variable annuity analysis
5. Estate Planning
- Legal document review: POAs, trusts, wills, etc.
- Wealth transfer & charitable gifting strategies

Our Team

Michael J. Macco, CERTIFIED FINANCIAL PLANNER™ and President

I began my career in financial services in 1998 at the recommendation of my high school guidance counselor. While I expressed interest in becoming an auto mechanic (I still like to work on my cars), she suggested I pursue the State of Wisconsin Financial Youth Apprenticeship program. It was good advice. I went on to spend seven years in retail and commercial banking specializing in corporate & municipal cash management. And in 2008, I joined my father, John, at Macco Financial Group, as a financial advisor.

As is often the case, I was not as attuned to my gifts as others. Thank heavens for my guidance counselor! What I have come to understand, however, is how much joy and fulfillment comes with advising others on their financial affairs. You see, it’s not all about money. Money is a proxy for time. And time is how we measure our lives. So, in a very real way, I help people plan for their lives! This puts me smack dab in the middle of some of the most profound, personal and important parts of my clients’ lives. This is an honor that I take very seriously and work tirelessly to earn. As we have come to say in our office, “Everyone deserves to be someone’s best client.”

I have been humbly married to the kindest most gracious woman in the world, Beth, since 2004. Together, we have three children, Hazel, Ethan and Jasper. When I am not in the office, I enjoy CrossFit, singing at my church, tinkering on my cars and slowly restoring our historic 1905 American Foursquare home.

Favorite quote: “The competition for mediocrity is fierce.”

What I’m reading: “It’s Not as Bad as You Think” by Brian S. Wesbury

Mike has a Bachelor’s Degree in Information Systems and a minor in Business from Trinity Christian College in Palos Heights, IL. He currently holds his Series 7, 66, 9 and 10 securities licenses as well as his Wisconsin life insurance license. He is also a member of the Raymond James Institute of Investment Management Consulting.

Patrick Stoa, CERTIFIED FINANCIAL PLANNER™ and Vice-President

My interest in personal financial planning and investments started early.  Fresh out of college, I had been hired by a big, brown, shipping company as a salesperson for the Green Bay area.  With a full-time paycheck, but still a part-time lifestyle, I felt truly rich.  Over a few months I paid off the bit of debt I had acquired through college, bought a few dishes and apartment furnishings, and then wondered what to do with the rest of my paycheck.  Through the marvels of Late Night Infomercials, I found a local investment seminar.  Entirely presented using an overhead projector, I heard useful information on the benefits of starting early, compound interest, the existence of mutual funds, and minimizing taxes.  The seed had been planted.  I looked for and read every book I could on personal finance.  Back then, I had to send self-addressed stamped envelopes to request information and forms.  I did, and my automatic investment plan started that first year out of college.  Personal finance had become my hobby.      

I married my wife, Stephanie in 1995 (after dating for far too long, as she will tell you).  We starting growing a family, I changed careers from shipping to printing sales, and we became clients at Macco Financial Group.  Probably not very good clients, since I thought I knew a lot and questioned everything.  Still, it was a good fit with a growing family, and I appreciated the advice.  Through a combination of my early start with investing, my family’s frugal lifestyle (thanks Steph!), success in my printing sales career, and advice received from my own advisors, I am happy to say that I achieved my own financial independence in my mid 40’s.

It would have been both lucrative and easy to coast in my printing sales career…and boring.  I urgently wanted to grow personally, to step into a role where I could directly help people in a meaningful and impactful way.  The choice to re-launch as a financial advisor was obvious and immediate, and has been more rewarding than I ever imagined.  I am honored every time a client invites me to help them live the life they deserve and guide them through the detours on the way.  I especially value your story, your hopes, dreams, fears, and concerns.  These become the foundational building blocks of our relationship and your financial plan.  I am looking forward to that moment when I can sense that you know your plan can work, and you clearly see what needs to happen to make it work.

Stephanie and I met while at the University of Wisconsin – Madison, where I earned a Bachelors in Business Administration with an emphasis in Marketing.  Steph and I have six children, ranging from grade school age to college age.  Our house was always loud, and crowded, and still seems to be even when the two oldest are away.  When we are not shuttling the kids to practices and events, Steph and I enjoy hiking, reading and mountain biking.  Someday, I would like to hike the Appalachian Trail, while Steph says the Alps would be better.     

Patrick is Vice President and Co-Owner of Macco Financial Group, Inc.  He holds his Series 7, 66, and Life Insurance licenses.  He has earned the CERTIFIED FINANCIAL PLANNER™ professional designation from the Certified Financial Planner Board of Standards, Inc.

Favorite Quote:  “The best time to plant a tree was 20 years ago.  The second best time is today.  Let’s get started.”


I enjoy working with individuals and families to help them create and sustain financial wellness through all stages of life. I believe every person’s journey is unique and requires customized financial planning. When working with you, I want to develop a relationship that goes beyond just numbers, and allows us to work as a team. Together, we can help you live your best life.

When not in the office I enjoy spending time with my lovely wife, Amanda and our families. I also enjoy spending time outdoors golfing, skiing, and camping.

Favorite Quote: “It never gets easier, you just go faster” – Greg LeMond, Professional Cyclist

Andrew joined Macco Financial Group in 2015 as an intern and transitioned to a full-time advisor after graduating from the University of Wisconsin-Green Bay in 2017 with a Bachelor’s degree in Business Administration and a minor in Economics. Andrew holds his Series 7, Series 66, and Life and Health Insurance licenses.

Terri Seitz, Client Services Specialist

Click the image to watch the video bio.
“I’ve always enjoyed being a team player, having skill sets that are essential to a well-rounded organization.  It’s also been important, to me, to be able to work with like-minded people - those who make it a point to serve with professionalism and integrity – the type of people I’d want my own family members to rely on for their financial planning.  I’ve been fortunate to find those qualities within the Macco Financial Group team.  It’s been an almost 20-year relationship, and there’s never a dull day.  I enjoy working with our clients on a daily basis and proud of the type of care and service that each MFG team member brings to the client relationships.

I graduated with a music degree and spent many of my early career years travelling as a professional entertainer.  It satisfied my wanderlust and curiosity for how people live in other parts of the country and world.  And although I don’t have a degree in finance, the Raymond James support and education system have enhanced my natural organizational and client service skills, the end result being able to offer a full array of client service and feeling competent in that.

When I’m not in the office, my husband, Steve, and I are having fellowship time with family (HUGE FAMILY) and friends or getting involved in local music venues (Steve is also a musician).  We’re Harley people so, besides riding just to feel the wind through our hair (just kidding – we do wear our helmets), we try to make at least one big trip across the country on our HD Ultra-Classic.  Being parents of a wonderful adult daughter also keeps us busy, but we wouldn’t have it any other way.  All in all, it’s a good life in northeastern Wisconsin.”

Terri has been a Client Services Specialist for almost 20 years.  She’s the first person someone is likely to speak with when calling the office and will handle many of the requests she receives.  Along with her client services role, Terri manages non-financial daily office business.  She’s also a good listener and will always take time to catch up with our MFG clients.

John Macco, Founder
John became a financial advisor in 1997 and founded Macco Financial Group in April of 2004. In November of 2014, he was elected to the Wisconsin State Assembly were he represents the 88th district. John has been married to his wife, Sue, since 1978 years. They have two children and six grandchildren.

        John Macco is no longer affiliated with Raymond James Financial Services, Inc,



What We Believe

We believe our purpose is to use our gifts and talents for the benefit of our clients and families so that they can live with a sense of financial confidence. We believe in bringing professional leaders together and in providing good jobs and a quality work environment that is mutually beneficial to all of our team members.

We value prudent financial stewardship. Our clients work hard for their money, and they trust us to advise them with wisdom, striving for growth while taking responsible and comfortable levels of risk.

Our mission is to help our clients accumulate wealth, manage it properly, and pass it on in the most tax-efficient way possible. We make every effort to clearly communicate with our clients, provide them the highest level of service with integrity, and offer them a wide range of investments through our advisors' affiliation with Raymond James.


We believe that a client relationship should be long-term and all encompassing. Therefore, we have eschewed the traditional commission-based business model which rewards sales activity and can lead to a conflicts of interest.  In contrast, we provide a straightforward fee-based model which negates conflicts of interest, puts the client first, and is consistent with our continuous client service model. 




A fiduciary is someone who must give advice that is in the best interest of the client without regard to any compensation that person might receive. Our philosophy of service always has been and always will be about putting the client first. Whether or not your advisor is a fiduciary in many cases depends on the kinds of product they are selling. For instance, a fee-based account is often associated with the advisor being a fiduciary. Whereas a commission-based account often is not. Watch the video to learn more about our Philosophy of Investing.

Get Started

Choosing the right team for your financial and retirement needs is just as important as the decision you make to buy a house or a car. It requires time and sound research. We’ll take that time to get to know you and clearly understand your goals. You’ll have opportunities to ask questions about us, the services we provide, what we charge, and how we work with clients. If you'd like to know more, we invite you to take a minute to fill out our brief confidential online questionnaire. We'll review it and call to chat with you about your needs and how we might be a fit for each other.