A&I Financial Services

Uncle James passed away a few years after becoming our client. With James, and all of our clients, we follow a slow, get-to-know-you process: Our discovery process Financial planning Asset allocation and portfolio maintenance Because we take it slow, we get to know our clients at a meaningful level. We talk with our clients as...Read More

Recently, our expert network team discussed a best-selling book, Die with Zero, by Bill Perkins. This is the first in a series of podcasts about leaving a legacy. I hope you enjoy listening to them! You can catch us anywhere you listen to podcasts: Apple, Spotify, YouTube, and more. Bill Perkins book argues that we...Read More

Spring has sprung here in Colorado. As the weather gets a bit nicer and the plants start blooming again, we are heading into some special times. Graduation season is upon us! We have several graduates in our staff’s family this year, and we have some in our clients’ families as well. We are so proud...Read More

Last year, our best performing investments were neither equities (stocks) nor bonds. They were alternative investments, including managed futures. We believe the right way to invest is to diversify by strategy. This strategy zigs when equities zag, and last year did quite well. Click here to learn more about our alternative investments and hedging strategies....Read More

We have survived a bear market, you and I, if we did not sell into the fear over this past year. As we have discussed previously, see links below, investments do not require good news to do well. By and large, the value of our investments has increased at the same time as the bad...Read More

Equities, by and large, had a good start to 2023. So did bonds. As we talked about recently, things may be better than they appear. However, our investment research teams remain short-term cautious. We are as conservative, in the vast majority of our portfolios, as we have been since the great financial crisis of 2008....Read More

If you have not already read this month’s letter regarding the incredible growth of dividends over our investment lifetime, please click this link. And if you are not yet subscribed to the email Periscope, please do so so that you can see the link! Dividends: The Tortoise Breaks into a Trot Last year’s S&P 500...Read More

Leaving a Legacy that Lasts Generations The cure for the entitlement illness is gratitude. For affluent families, raising kids without spoiling them is a huge challenge. Here are some practical bits of advice, and some questions you can talk about with your wealth manager. You may have heard the saying, “shirt sleeves to shirt sleeves...Read More

Learn from Nick Arndt, a tax expert from Transamerica, about how to find tax saving opportunities and other advice. One of the questions we had was about inherited IRAs. If you inherited your IRA before the year 2022, you can continue with the current withdrawal schedule. However, any inherited IRA since 2022 is subject to...Read More

When it comes to spending and saving, there are many different philosophies of thought for how much to allocate where. Broadly speaking, many people tend to break up their budgets into necessities / personal spending / savings. However, “savings” can feel ambiguous, especially when you factor in the many ways that savings can be used...Read More