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.

The Market's Sound and Fury- And Why We Remain Optimistic

“Bear with me if I call again in a couple of days because you are the only one keeping me in the market.” So said a wonderful client to me, recently. Thank you for your trust and confidence! And keep calling—ad infinitum—because you’re not the only one feeling this way!

Equity markets are exceptionally emotional right now, with large swings up and down, daily. We do not want to make big decisions based off short-term swings when they may have long-term impacts. Think about the well-known research, that investors underperform their investments. If they had only held—and not sold—they likely would have earned a better long-term rate of return. Read more about it here:Jackson National and First Trust. (1)

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Coronavirus and what we’re doing about it

We’ve three topics herein. What we’re doing in our office, what we’re doing with our investments, and some perspective on the Coronavirus situation today. Let’s go in opposite order.

Our perspective: track the virus, not the stocks
We’ve assuredly never felt the world-wide fear that we are experiencing now, at least as quickly as we are feeling it. This virus is fast-moving and is already as widespread as were many other pandemics at their peak. The speed is different but the virus, and possible casualties, are assuredly not unheard of. We’ve beaten back the higher mortality rates of many other illnesses. Both H1N1 (Swine Flu) and SARS we survived. On a scale I’ve not seen before, governments and private sector companies are cooperating. For every cause of pessimism, another reason for optimism arises. Government can’t provide testing kits? Suddenly we relax government regulations and get quick approvals. Can’t handle travel? Companies deliver new solutions. Not enough beds? Creative companies and government organizations provide innovative remote solutions. Can’t work? Suddenly companies have work-at-home policies—like the one I outline for our company at the end of this Periscope.

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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.
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Go Paperless 

Addressing Global Concerns on an individualized basis