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.

Slow and Steady is Winning (again)

Do you remember September 20, 2018?

On that beautiful sunny day last year, equities, as measured by the S&P 500 index, would hit their all-time-high. They would go on a rapid descent through the end of 2018 until equities were twenty percent lower on Christmas Eve. Actually, the S&P 500 went lower for an hour or two during the following trading day before beginning to grow in value.

Continue reading
  135 Hits
135 Hits

Helpful in the Jungle, Dangerous in Investing

Impossible to avoid, the news bombards us with data that makes us want to act. The majority of news is negative, the majority of the time. Negativity causes fear, and fear causes our fast-thinking brains moving. We enter fight/flight mode quickly. We want to act quickly—and that is often an expensive mistake, when it comes to our investments.

What we see is what is important. This fallacy is called availability bias, and like many of the key heuristics, it is a deeply rooted, instinctual survival technique. The fast-acting brain says, “I see danger! Fight!” or “Run!” Part of us is always looking out for danger—again, helpful in the jungle, dangerous in investing.

Continue reading
  138 Hits
138 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