A&I Financial Services

Risk capacity and risk tolerance are two important concepts that investors should understand. Though they are related, they are not the same thing. Risk Capacity Ability to take on investment risk is a function of objective measures (the client’s financial profile) such as the investment goals, the time horizon for each goal, the need for...Read More

Inflation is Affecting Most Countries in 2021 From August, 2021. We hear a lot of talk about inflation in the USA. But it is not just an American problem. Look at the following chart:   Source: Statista In this great chart on inflation expectations around the world, you can see the USA is not in...Read More

A simple plan that may help any person go tax free with a Roth, regardless of income. Plus, there is a hidden benefit for older folks and people with a higher income. So let’s dive in.Read More

From March, 2021, learn about the forecasts our research team was making at that time. Subject includes the US debt and payments on that debt. What could it mean for our equity portfolios?Read More

Karl Frank and Nathan Merrill discuss practical plans for owners of stock options, restricted stock and other types of concentrated equity. Learn three big rules for owners of concentrated equity, and Karl’s favorite “go tax free” idea for owners of concentrated equity. Other ideas include nonqualified deferred compensation, employee stock purchase plans, net unrealized appreciation...Read More

Karl Frank and Nathan Merrill discuss what to do when a large amount of your net worth is tied up in a single company’s stock. This is called having concentrated equity. Learn investment and tax strategies to reduce the tax-load and increase the after-tax money you have. Learn about costs, complexity and safety for different...Read More

Today’s headlines are stressful. Equity markets are full of hope, having recovered from the most recent bear market. You deserve a vacation—or at least a comforting drink and moment to relax. The recent market movements inside your equity investments were dramatic and rare. Equities Can be Terrifying Equities can be terrifying to watch. If you...Read More

From 2020, learn what we saw as big trends in investments.Read More