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Having a guide to navigate the complexities of wealth management is invaluable. For Chad Harmon, a partner and wealth manager at A&I Wealth Management, being that guiding force is more than just a profession—it’s a passion.
A Personal Financial Advisor for Clients
Chad and his team at A&I Wealth Management see themselves as more than just financial advisors. They act as financial advisors, helping clients turn a lifetime of hard work into a sustainable lifestyle they can be proud of. “Our clients come to us because they’re looking for a beacon of hope and optimism,” Chad explains. “We help them make smart financial decisions that align with their long-term goals.”
Core Values: Honesty, Integrity, and Optimism
At the core of A&I Wealth Management’s philosophy are honesty, integrity, and optimism. Chad and his team prioritize their clients’ interests above all else. “It’s our duty to put our clients first—always,” he emphasizes. In an era dominated by negativity, Chad also sees his role as an advocate for optimism. “The news cycle can be draining, and the conversations we have with friends and family can often feel discouraging. But for our clients to succeed long-term, they need to believe in the end goal. That’s what we provide—a roadmap and the confidence to stay the course.”
A Journey to Partnership
Chad’s journey in the financial world began two decades ago in the banking industry, later transitioning to financial planning with a large insurance carrier. In 2010, he met Karl Frank, now one of his two partners, and quickly recognized the potential of working together. “After just a couple of hours of conversation, I knew this was the right place for me.”
Over the years, Chad’s dedication and expertise earned him a place at the leadership table. “I saw the difference we were making in our clients’ lives and the impact we had on the community. This was a firm I wanted to help build long-term.”
The Strength of a Diverse Team
One of A&I Wealth Management’s unique advantages is the depth of experience among its advisors. With professionals spanning six decades—from young talent in their 20s to industry veterans in their 70s—the firm thrives on a diversity of perspectives. “We don’t all have to agree, and that’s what makes us stronger,” Chad notes. “Half our team is male, half female, and we come from different backgrounds and viewpoints. That diversity fuels better decision-making for our clients.”
A Process That Works
A&I Wealth Management operates with a structured, five-meeting process to ensure clients receive tailored financial strategies.
- Discovery Interview: A deep dive into the client’s values, priorities, and financial situation.
- Proposal Meeting: A presentation of strategic solutions based on the discovery interview.
- Mutual Commitment Meeting: A discussion to finalize the decision to move forward.
- Implementation: A coordinated plan integrating investments, tax planning, estate planning, and more.
- Ongoing Guidance: Regular meetings to adjust strategies as life changes.
A Commitment to Long-Term Guidance
Beyond the initial planning process, Chad emphasizes the importance of ongoing communication. “A financial plan is only as good as the adjustments you make along the way. Life changes, markets fluctuate, and staying engaged is key. We meet with most clients quarterly or semiannually to ensure they remain on track.”
A Culture of Collaboration and Community
A&I Wealth Management isn’t just about numbers—it’s about people. “I knew early on that if I was going to do this for my entire career, I needed to be surrounded by people I trust and enjoy working with,” Chad says. That collaborative spirit is evident in the firm’s approach, where heated debates and brainstorming sessions lead to the best solutions for clients.
Their commitment to community extends beyond the office. The firm’s annual charity golf tournament, which has been running for 14 years, raises funds for local organizations in need. “We focus on smaller charities where the funds can truly make a difference,” Chad shares. Additionally, the firm encourages employees to take time off work to give back, reinforcing a culture of service.
A Nautical Theme with Meaning
Walking into A&I Wealth Management, visitors immediately notice the nautical theme—a nod to the company’s deep-rooted traditions. Inspired by co-founder Stacey Frank’s father, who started the firm, the theme represents navigation and guidance. Advisors even earn their “dolphins,” a designation inspired by the Navy, signifying that they have mastered all aspects of the firm’s financial services.
Chad, who played a key role in setting up the office’s signature aquarium, laughs about how he was “volunteered” for the job based on his experience with a five-gallon college dorm fish tank. “Karl and Stacey heard I had some experience and suddenly I was the lead expert on building our office’s centerpiece,” he jokes.
A Beacon of Optimism
As the conversation wraps up, Chad returns to a theme that drives his work: optimism. “Confidence in the future is at an all-time low, and people are bombarded with fear-based messaging. Our job is to help clients put blinders on, focus on their goals, and believe in the process. If we can be that steady voice reminding them that they’re going to be okay, we’ve done our job.”
At A&I Wealth Management, clients aren’t just receiving financial advice—they’re gaining a team that believes in their success and is committed to guiding them every step of the way.
Disclaimer: The information provided in this blog post is for general informational purposes only and should not be construed as financial or legal advice. Please consult with a qualified professional for advice regarding your specific situation.
DISCLOSURE: Client stories included in this blog reflect hypothetical client situations that represent those commonly encountered by AIWM representatives.
