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.

Financial News!

Last week, we discussed some upcoming changes in some of our clients' portfolios. We spend quite a bit of time and our researchers spend all of their working hours on the timing and selection of our investments. But this is only part of what we do.
A very large part of what we do for you is help you turn off the television, stop reading the internet posts, and ignore the naysayers in the newsletters.
I've attached an informative opinion piece from an influential friend of ours, Nick Murray. (Please email us for a copy of this article) Warning: this may offend you! I beseech your opinions here--good or bad--as to whether you ever want to read anything like this again. I promise, we are listening.
The less-biased summation of Mr. Murray's opinion letter follows, from yours truly.

First, the media promotes untruth daily. The news of the day does not cause the market to move. The news does not cause the market to move. The idea is completely false, yet we believe it! I have frequently been in the media, over many years, and I have felt compelled to feed the reporter's bias that the markets REACT when in fact, the actions of the market determine what news the media will feed us.

Let's look at an example: the media is given two bits of information in the morning, one good and one bad. Then the markets decrease throughout the day. The media ignores the "good" news and publishes the bad news as the cause. And what happens if the markets increase? Take a guess before you read on. 

Continue reading
  1422 Hits
1422 Hits

Investment Timing

We are making some changes to our clients' portfolios this month. For those of you who are invested with us in the Foundation Income and World Growth portfolios, please contact your wealth manager for the specific details regarding your account.

What is an emerging market local currency bond fund?


Continue reading
  1444 Hits
1444 Hits

Go Tax Free

A&I Financial Services - Karl Frank Book - Go Tax Free






An assortment of tools and strategies that give readers of all backgrounds a clear, specific action plan for obtaining the maximum allowable control over when and how they pay taxes.
Learn more

Green Initiative Side Bar 2

Go Paperless 

Addressing Global Concerns on an individualized basis