A&I Financial Services

In this 20 minute episode, we continue our conversations about investments other than equities and bonds: Real estate–and how we can be rewarded and take on concentrated risk. We talk about leverage, as in, do we want more debt? Pros and cons. We talk about recession, but it’s not depressing! We discuss a recent Zoominar...Read More

In this 20 minute episode, we discuss what we can do: What we can do when we have the jitters. Why we feel skepticism, doubt, and why it seems like things are rigged against us. We talk about Ukraine chaos, or commotion, as Nate calls it. We talk about gold…for goodness sakes! And finally, we...Read More

In this 20 minute episode, we discuss what we can do about inflation: Reasons we have inflation. Are they just monetary? Are they policy related? How the Federal Reserve can help and likely has not helped, but hindered, inflation over the previous decade. We take a special look at mortgage rates and make a prediction—it...Read More

In this 20 minute episode, we discuss the absolutes: Inflation is the loss of purchasing power; emotionally and economically affective. Comparison of today’s rates with the past and how that may affect us—in particular, we discuss gasoline prices What types of products are we spending more on, and buying less of. Where are businesses making...Read More

Jeff Krommendyk, Karl Frank, CFP and Nathan Merrill dive into a conversation about death and come out feeling inspired. No, really. Start with the legal documents. Move into the soft stuff which is WAY more important anyway. Provide some links and recommendations for practical planning and conversation starters. Learn the three fundamentals of an AMD...Read More

Jeff Krommendyk, Karl Frank, CFP and Nathan Merrill are still experiencing panic at the office. Or rather, with all the heightened tensions around the world, we are noticing that we, our team members, our partners, clients, vendors are on edge. In the second of a two part series, we are getting real and provide practical...Read More

In this two part series, we are going to discuss ways to reduce the stress and increase the happiness of our team. Recognize the causes of heightened emotion. Self-assessment–you cannot lead if you cannot heal yourself. Pay special attention to the media you consume. Identify the sources of stress are usually news, social media and...Read More

We don’t want imagine a retirement like our parents’ retirement. Their employer said something like, “give us the best 40 years of your life and we will give you what is left over.” Is there something better? We don’t “remove ourselves from service” like we “retire” an old piece of equipment. No, instead we want...Read More

Business Owners Get Off the Treadmill Karl Frank, CFP, Jeff Krommendyk, and Nathan Merrill get together and talk about getting burnt out making money. Is there some way we can work less hard and still make a living? Am I ready to retire? Can we re-imagine retirement? What about a way to build a business...Read More

Karl Frank, CFP and Nathan Merrill discuss the state of small business at the beginning of 2022. The biggest trend of our time is Covid 19 and what will happen next? Will this be a pivot year–when we return to something more normal? Discuss the statistics around Covid 19 and how, in the macro scheme,...Read More