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Karl Frank, Certified Financial Planner ®, MSF, MBA, MA, is the President of A&I Financial Services LLC, a local business that specializes in wealth management, insurance planning, and retirement planning. Karl cares for business owners and the businesses that care for them. Learn More about Karl.

Go Paperless, the Green Initiative

Our number one request from clients is that E*TRADE Advisor Services, and all the investment companies we work with, send us less paper. This problem can be solved, and we are making a major initiative at our firm to help you do so. The first step needs to be taken by you, however. No advisor or client care team member can click the buttons for you. Click the video below to see a 2-minute instructional video with easy-to-follow instructions.

 

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Fooled by Randomness

The equity and bond markets ended the first three months of 2019 with gains. The headlines attribute this to the Federal Reserve who, they say, said they will not raise interest rates in the near future. It’s not April Fool’s Day anymore, but this explanation is no more accurate than a bad joke.

I offer only one piece of evidence, but I could offer countless more recent examples. If you believe the Federal Reserve controls interest rates, please read the autobiography of one of the Fed’s most powerful chairmen in history, Paul Volcker (Triumph of Persistence). If there was ever a time when the Fed was active, it was during his tenure in the early 80’s. Interest rates on home mortgages were in the mid-teens. The Fed attempted to lower rates (twice) and rates rose instead. Then the Fed raised rates, and guess what happened?

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