Expert Network Team

• We don’t want imagine a retirement like our parents’ retirement. Their employer said something like, “give us the best 40 years of your life and we will give you what is left over.” Is there something better?
• We don’t “remove ourselves from service” like we “retire” an old piece of equipment. No, instead we want to reboot!
• Go back to the first day you started your business. Remember the challenges you overcame, and likely you think of these things fondly. Similarly, starting retirement today is like that–a new journey with challenges you can enjoy!
• Review the stages of business. Today’s conversation is about the final two stages, 6 and 7. In Stage 6, you are the visionary and provide guidance. For stage 7, you are passing on the legacy, perhaps while you are still there!
• There is such a thing as an ideal work lifestyle that may be more fulfilling than a flat-out quit everything and then figure-it-out way to go!

We discuss some of the key attributes that a successful “figurehead” leader has and wants to cultivate. These qualities include an abundance mindset, creativity, flexibility, and the ability and desire to engage the next generations and stay engaged. In fact, we believe that this last point–staying engaged–is a key to a healthy life.

Learn more about the process with a free discovery meeting with our coach, Jeff Krommendyk here:  https://securityfirstinsurance.com

Expert Network team provides free consultations. Just mention that you listened to the podcast. 

Nathan Merrill, attorney
Working with affluent families and entrepreneurs in implementing tax-efficient strategies and wealth preservation
Goodspeed, Merrill
(720) 473-7644
[email protected]

Taylor Smith, attorney
Helping affluent families build their legacy through complex estate planning
Goodspeed Merrill
(720) 512-2008

[email protected]

www.goodspeedmerrill.com  

Karl Frank
Financial planner helping a small number of successful families grow and protect their wealth
CERTIFIED FINANCIAL PLANNER™
A&I Wealth Management
(303) 690.5070
[email protected]

Webcasts, Podcasts, Streaming Video, Streaming Audio

A&I webcasts, podcasts, streaming video, or streaming audios are provided free of charge solely for use by individuals for personal, noncommercial uses, and may be downloaded for such uses only, provided that the content is not edited or modified in any way and provided that all copyright and other notices are not erased or deleted.

All webcasts, podcasts, streaming video, or streaming audios are subject to and protected by U.S. and international copyright laws and may not be sold, edited, modified, used to create new works, redistributed or used for the purpose of promoting, advertising, endorsing or implying a connection with A&I.

A&I reserves the right, at any time and for any reason, to stop offering webcasts, podcasts, streaming video, or streaming audios and to stop access to or use of webcasts, podcasts, streaming video, or streaming audio and any content contained therein A&I shall not be liable for any loss or damage suffered as a result of, or connected with, the downloading or use of the webcasts, podcasts, streaming video, or streaming audios.

• A&I Wealth Management is a registered investment adviser that only conducts business in jurisdictions where it is properly registered, or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. The firm is not engaged in the practice of law or accounting.
• The information presented is believed to be current. It should not be viewed as personalized investment advice. All expressions of opinion reflect the judgment of the presenter on the date of the podcast and are subject to change. The information presented is not an offer to buy or sell, or a solicitation of any offer to buy or sell, any of the securities discussed. You should consult with a professional adviser before implementing any of the strategies discussed. Any legal or tax information provided in this podcast is general in nature. Always consult an attorney or tax professional regarding your specific legal or tax situation.

Business Owners Get Off the Treadmill

Karl Frank, CFP, Jeff Krommendyk, and Nathan Merrill get together and talk about getting burnt out making money.

• Is there some way we can work less hard and still make a living?
• Am I ready to retire? 
• Can we re-imagine retirement?
• What about a way to build a business you never want to leave?
• What questions do you ask and what steps can you take to get your life back on track, and not just the business. 
• Get out of the boxes you don’t belong in, and back into the boxes where you do your best work. Learn about what Nate and the ENT mean by the three big boxes.

Making money is killing your business, says Chuck Blakeman. Learn more about the process with a free discovery meeting here:  https://www.assetsandincome.com/our-process-our-promise/

Expert Network team provides free consultations. Just mention that you listened to the podcast. 

Nathan Merrill, attorney
Working with affluent families and entrepreneurs in implementing tax-efficient strategies and wealth preservation
Goodspeed, Merrill
(720) 473-7644
[email protected]

Taylor Smith, attorney
Helping affluent families build their legacy through complex estate planning
Goodspeed Merrill
(720) 512-2008

[email protected]

www.goodspeedmerrill.com  

Karl Frank
Financial planner helping a small number of successful families grow and protect their wealth
CERTIFIED FINANCIAL PLANNER™
A&I Wealth Management
(303) 690.5070
[email protected]

Webcasts, Podcasts, Streaming Video, Streaming Audio

A&I webcasts, podcasts, streaming video, or streaming audios are provided free of charge solely for use by individuals for personal, noncommercial uses, and may be downloaded for such uses only, provided that the content is not edited or modified in any way and provided that all copyright and other notices are not erased or deleted.

All webcasts, podcasts, streaming video, or streaming audios are subject to and protected by U.S. and international copyright laws and may not be sold, edited, modified, used to create new works, redistributed or used for the purpose of promoting, advertising, endorsing or implying a connection with A&I.

A&I reserves the right, at any time and for any reason, to stop offering webcasts, podcasts, streaming video, or streaming audios and to stop access to or use of webcasts, podcasts, streaming video, or streaming audio and any content contained therein A&I shall not be liable for any loss or damage suffered as a result of, or connected with, the downloading or use of the webcasts, podcasts, streaming video, or streaming audios.

• A&I Wealth Management is a registered investment adviser that only conducts business in jurisdictions where it is properly registered, or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. The firm is not engaged in the practice of law or accounting.
• The information presented is believed to be current. It should not be viewed as personalized investment advice. All expressions of opinion reflect the judgment of the presenter on the date of the podcast and are subject to change. The information presented is not an offer to buy or sell, or a solicitation of any offer to buy or sell, any of the securities discussed. You should consult with a professional adviser before implementing any of the strategies discussed. Any legal or tax information provided in this podcast is general in nature. Always consult an attorney or tax professional regarding your specific legal or tax situation.

Karl Frank, CFP and Nathan Merrill discuss the state of small business at the beginning of 2022. The biggest trend of our time is Covid 19 and what will happen next?

• Will this be a pivot year–when we return to something more normal?
• Discuss the statistics around Covid 19 and how, in the macro scheme, things look better than they have in years. We also discuss why some numbers we may not trust.
• Risks we are tolerant of, and people, actions and other things we are less tolerant of, now that we have lived with Covid for a few years.
• We discuss how this can be a year to improve ourselves, jettison the old and unnecessary, and focus on what is meaningful.
• We discuss some big trends outside of our control, like China and inflation.
• We can move from success to significance.

Make this year a reboot! We can reboot our lives just like we reboot a computer after it is feeling ill. Well, the new covid endemic is an opportunity for everyone to focus on what we enjoy–and start enjoying it! 

Expert Network team provides free consultations. Just mention that you listened to the podcast. 

Nathan Merrill, attorney
Working with affluent families and entrepreneurs in implementing tax-efficient strategies and wealth preservation
Goodspeed, Merrill
(720) 473-7644
[email protected]

Taylor Smith, attorney
Helping affluent families build their legacy through complex estate planning
Goodspeed Merrill
(720) 512-2008

[email protected]

www.goodspeedmerrill.com  

Karl Frank
Financial planner helping a small number of successful families grow and protect their wealth
CERTIFIED FINANCIAL PLANNER™
A&I Wealth Management
(303) 690.5070
[email protected]

Webcasts, Podcasts, Streaming Video, Streaming Audio

A&I webcasts, podcasts, streaming video, or streaming audios are provided free of charge solely for use by individuals for personal, noncommercial uses, and may be downloaded for such uses only, provided that the content is not edited or modified in any way and provided that all copyright and other notices are not erased or deleted.

All webcasts, podcasts, streaming video, or streaming audios are subject to and protected by U.S. and international copyright laws and may not be sold, edited, modified, used to create new works, redistributed or used for the purpose of promoting, advertising, endorsing or implying a connection with A&I.

A&I reserves the right, at any time and for any reason, to stop offering webcasts, podcasts, streaming video, or streaming audios and to stop access to or use of webcasts, podcasts, streaming video, or streaming audio and any content contained therein A&I shall not be liable for any loss or damage suffered as a result of, or connected with, the downloading or use of the webcasts, podcasts, streaming video, or streaming audios.

• A&I Wealth Management is a registered investment adviser that only conducts business in jurisdictions where it is properly registered, or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. The firm is not engaged in the practice of law or accounting.
• The information presented is believed to be current. It should not be viewed as personalized investment advice. All expressions of opinion reflect the judgment of the presenter on the date of the podcast and are subject to change. The information presented is not an offer to buy or sell, or a solicitation of any offer to buy or sell, any of the securities discussed. You should consult with a professional adviser before implementing any of the strategies discussed. Any legal or tax information provided in this podcast is general in nature. Always consult an attorney or tax professional regarding your specific legal or tax situation.

Retirement Income Planning: How You Can Make Withdrawals from Your Investment Accounts in Retirement

Special guest Francois Giguere joins Karl Frank, CFP and Nathan Merrill to discuss the way that A&I Financial Services helps their clients set up a safe way to set up a steady retirement income from investment accounts.

Many people cannot retire without a substantial investment portfolio. Many people depend upon those investments to provide the income they need during retirement.

Listen and learn:

- When should we start to plan for making withdrawals from our investment accounts?

- How does Covid change retirement?

- 3 key risks about using investment accounts for retirement income, and how to avoid them.

- How to set up income “guardrails,” or policies that you can live by and that provide confidence.

- What are the primary drivers of risks, like spending too much?

- What about inflation and how does that affect my retirement income?

- What about the risk that something may happen to my health?

- Who is at greater risk for retirement income problems? The husband or the wife? The healthy person or the less-healthy spouse? It might not be who you think!

And hear a real-world story, making it real for our listeners. Francois Giguere, CFP(R) is a former General Manager of an NHL hockey club and a knowledgeable professional who is generous with his advice. Learn from a pro!

Learn more about the retirement income planning here:

https://www.assetsandincome.com/who-we-serve/retirement-planning

Expert Network team provides free consultations. Just mention that you listened to the podcast. 

Nathan Merrill, attorney
Working with affluent families and entrepreneurs in implementing tax-efficient strategies and wealth preservation
Goodspeed, Merrill
(720) 473-7644
[email protected]

Taylor Smith, attorney
Helping affluent families build their legacy through complex estate planning
Goodspeed Merrill
(720) 512-2008

[email protected]

www.goodspeedmerrill.com  

Karl Frank
Financial planner helping a small number of successful families grow and protect their wealth
CERTIFIED FINANCIAL PLANNER™
A&I Wealth Management
(303) 690.5070
[email protected]

Webcasts, Podcasts, Streaming Video, Streaming Audio

A&I webcasts, podcasts, streaming video, or streaming audios are provided free of charge solely for use by individuals for personal, noncommercial uses, and may be downloaded for such uses only, provided that the content is not edited or modified in any way and provided that all copyright and other notices are not erased or deleted.

All webcasts, podcasts, streaming video, or streaming audios are subject to and protected by U.S. and international copyright laws and may not be sold, edited, modified, used to create new works, redistributed or used for the purpose of promoting, advertising, endorsing or implying a connection with A&I.

A&I reserves the right, at any time and for any reason, to stop offering webcasts, podcasts, streaming video, or streaming audios and to stop access to or use of webcasts, podcasts, streaming video, or streaming audio and any content contained therein A&I shall not be liable for any loss or damage suffered as a result of, or connected with, the downloading or use of the webcasts, podcasts, streaming video, or streaming audios.

• A&I Wealth Management is a registered investment adviser that only conducts business in jurisdictions where it is properly registered, or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. The firm is not engaged in the practice of law or accounting.
• The information presented is believed to be current. It should not be viewed as personalized investment advice. All expressions of opinion reflect the judgment of the presenter on the date of the podcast and are subject to change. The information presented is not an offer to buy or sell, or a solicitation of any offer to buy or sell, any of the securities discussed. You should consult with a professional adviser before implementing any of the strategies discussed. Any legal or tax information provided in this podcast is general in nature. Always consult an attorney or tax professional regarding your specific legal or tax situation.

Special guest Francois Giguere joins Nathan Merrill, Karl Frank, CFP, Jeff Krommendyk, and Mike Miller, CPA to discuss an important and timely topic: how to make a career change.

Francois is the former General Manager of the Colorado Avalanche. During his more than twenty year career, he helped move the franchise from Canada to Colorado, and then rose in the ranks to become the GM. He was with the team when they won the Stanley Cup twice!

Francois was also fired from his job, and he is open about the devastating, but short-term impact of that turning point in his life. Francois tells his story and gives us insight into how professional athletes make a career change. Learn how to to recover from the lows, and keep your head when you are at the absolute peak of your performance.

And hear a real-world story, making it real for our listeners. Francois Giguere, CFP(R) is a humble, humorous and knowledgeable professional who is generous with his advice. Learn from a pro!

Learn more about retirement income planning here:

https://www.assetsandincome.com/who-we-serve/retirement-planning/

Expert Network team provides free consultations. Just mention that you listened to the podcast. 

Nathan Merrill, attorney
Working with affluent families and entrepreneurs in implementing tax-efficient strategies and wealth preservation
Goodspeed, Merrill
(720) 473-7644
[email protected]

Taylor Smith, attorney
Helping affluent families build their legacy through complex estate planning
Goodspeed Merrill
(720) 512-2008

[email protected]

www.goodspeedmerrill.com  

Karl Frank
Financial planner helping a small number of successful families grow and protect their wealth
CERTIFIED FINANCIAL PLANNER™
A&I Wealth Management
(303) 690.5070
[email protected]

Webcasts, Podcasts, Streaming Video, Streaming Audio

A&I webcasts, podcasts, streaming video, or streaming audios are provided free of charge solely for use by individuals for personal, noncommercial uses, and may be downloaded for such uses only, provided that the content is not edited or modified in any way and provided that all copyright and other notices are not erased or deleted.

All webcasts, podcasts, streaming video, or streaming audios are subject to and protected by U.S. and international copyright laws and may not be sold, edited, modified, used to create new works, redistributed or used for the purpose of promoting, advertising, endorsing or implying a connection with A&I.

A&I reserves the right, at any time and for any reason, to stop offering webcasts, podcasts, streaming video, or streaming audios and to stop access to or use of webcasts, podcasts, streaming video, or streaming audio and any content contained therein A&I shall not be liable for any loss or damage suffered as a result of, or connected with, the downloading or use of the webcasts, podcasts, streaming video, or streaming audios.

• A&I Wealth Management is a registered investment adviser that only conducts business in jurisdictions where it is properly registered, or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. The firm is not engaged in the practice of law or accounting.
• The information presented is believed to be current. It should not be viewed as personalized investment advice. All expressions of opinion reflect the judgment of the presenter on the date of the podcast and are subject to change. The information presented is not an offer to buy or sell, or a solicitation of any offer to buy or sell, any of the securities discussed. You should consult with a professional adviser before implementing any of the strategies discussed. Any legal or tax information provided in this podcast is general in nature. Always consult an attorney or tax professional regarding your specific legal or tax situation.

Jeff Krommendyk, our home and auto insurance expert, teaches Karl Frank, CFP and Nathan Merrill about the Marshall Fire. Jeff has clients among the more than 1,000 homeowners who were devastated by the fires near Boulder at the end of 2021. Learn:

• What happens to the homeowners whose home were underinsured? Or who had no insurance at all?
• Who pays the mortgage and the car payment for a burnt-down home? 
• How does the government help? 
• What will insurance companies pay for?
• What about a total loss–what happens to the more than 900 homes burned to the ground?
• What are the three or four things we can all do today to get ourselves prepared just in case.

The Marshall fires hit a suburban area similar to where many Americans live. In Colorado, we hear about forest fires but not grass fires–and certainly not a fire of this size. This podcast provides practical information to help us protect against a rare, but powerful threat.

Learn more about Jeff’s free discovery meeting here:  https://www.securityfirstia.com/  

Expert Network team provides free consultations. Just mention that you listened to the podcast. 

Nathan Merrill, attorney
Working with affluent families and entrepreneurs in implementing tax-efficient strategies and wealth preservation
Goodspeed, Merrill
(720) 473-7644
[email protected]

Taylor Smith, attorney
Helping affluent families build their legacy through complex estate planning
Goodspeed Merrill
(720) 512-2008

[email protected]

www.goodspeedmerrill.com  

Karl Frank
Financial planner helping a small number of successful families grow and protect their wealth
CERTIFIED FINANCIAL PLANNER™
A&I Wealth Management
(303) 690.5070
[email protected]

Webcasts, Podcasts, Streaming Video, Streaming Audio

A&I webcasts, podcasts, streaming video, or streaming audios are provided free of charge solely for use by individuals for personal, noncommercial uses, and may be downloaded for such uses only, provided that the content is not edited or modified in any way and provided that all copyright and other notices are not erased or deleted.

All webcasts, podcasts, streaming video, or streaming audios are subject to and protected by U.S. and international copyright laws and may not be sold, edited, modified, used to create new works, redistributed or used for the purpose of promoting, advertising, endorsing or implying a connection with A&I.

A&I reserves the right, at any time and for any reason, to stop offering webcasts, podcasts, streaming video, or streaming audios and to stop access to or use of webcasts, podcasts, streaming video, or streaming audio and any content contained therein A&I shall not be liable for any loss or damage suffered as a result of, or connected with, the downloading or use of the webcasts, podcasts, streaming video, or streaming audios.

• A&I Wealth Management is a registered investment adviser that only conducts business in jurisdictions where it is properly registered, or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. The firm is not engaged in the practice of law or accounting.
• The information presented is believed to be current. It should not be viewed as personalized investment advice. All expressions of opinion reflect the judgment of the presenter on the date of the podcast and are subject to change. The information presented is not an offer to buy or sell, or a solicitation of any offer to buy or sell, any of the securities discussed. You should consult with a professional adviser before implementing any of the strategies discussed. Any legal or tax information provided in this podcast is general in nature. Always consult an attorney or tax professional regarding your specific legal or tax situation.