A&I Financial Services

A Season of Gratitude from A&I Wealth Management of Colorado As Thanksgiving approaches, our team at A&I Wealth Management is reflecting on what matters most—the people we have the privilege to serve. Each year, this season reminds us that true wealth isn’t measured only in numbers, but in the connections, trust, and shared journeys that...Read More

  Here’s why it might be a smart wealth strategy you’re not using, and how to find out if it fits your plan. Why do I need life insurance now? When most people think about life insurance, they think of death. They think of expenses. And they often shrug it off as something they’ll deal...Read More

After years of building your business, are you ready to let go—mentally, emotionally, and financially? If you’re a business owner considering an exit, this guide helps you align your values, emotions, and financial goals as you transition to the next chapter. Preparing for the Emotions of Selling Your Business Selling your business is one of...Read More

Have you ever wondered, “How often do stock market crashes happen, and what should I do when they do?” That’s a question many investors are asking, especially after the 2025 market panic. We’ve now seen seven major market panics in just 25 years, slightly above the historical average of one bear market every four to...Read More

The Psychological Side of Business Succession: It’s About More Than Letting Go What are the emotional challenges of selling a business? The decision to sell a business is perhaps the largest decision an owner will make over the course of a lifetime, and it is rife with psychological change. Take Susan, for example. She is...Read More

Should You Use Net Unrealized Appreciation (NUA) in Your 401(k)? Key Considerations for Company Stock Owners   Should I use net unrealized appreciation for my 401k company stock? If you hold company stock within your 401(k) and that stock has significantly appreciated, you may benefit from a tax strategy known as Net Unrealized Appreciation (NUA)....Read More

Question: How do I sell my business to a family member without hurting relationships? As business owners approach retirement, many hope to transition their company to a family member or trusted employee. While this may seem straightforward, the reality—echoed by pop culture like Succession or even King Lear—can be anything but simple. From power struggles...Read More

Question: What should I review in my financial plan mid-year? The summer is in full swing, and we’re officially halfway through 2025. Like many of us, you may have dutifully made New Year’s resolutions. But as the saying goes, “The only constant is change.” That’s why July is an ideal time for a mid-year financial...Read More

Have you accumulated a significant portion of your net worth in a single company’s stock and wondered, “How do I manage a concentrated equity position without risking my financial future?” If so, you’re not alone. Many individuals—whether through company stock plans, investments, or equity compensation—find themselves holding too much of one stock, and that can...Read More

How do I pay for my child’s college without hurting my retirement? Bella and Mark always dreamed of sending their two kids to college. But as their oldest approached junior year, reality set in: tuition costs had skyrocketed, and their savings weren’t quite where they hoped. They started wondering—can we help our kids graduate debt-free...Read More