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Karl@assetsandincome.com (Expert Team)

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Expert Network Team
Expert Network TeamAI, Jobs, and the Truth About Today’s Labor MarketWelcome to the ENT!Is Artificial Intelligence creating a tight labor market? Recent headlines say AI will create massive layoffs and portends terrible things for the workforce. However, Meta just announced $100 million signing bonuses and annual salaries of a similar range–so which is it? A tight market with incredible demand or a soft labor market where employers have their pick?Nate Merrill and Karl Frank describe their recent company experiences, which are dissimilar. They offer practical advice for business owners, and job seekers, in the rising world of AI work.As...
2025-08-0427 minExpert Network Team
Expert Network TeamSSRI For Everyone Including PensionersSocial Security Retirement Income has some good news–no kidding–and we invite expert Chad Harmon to discuss the details. Previously, public pensioners like government employees, schoolteachers, police officers, firefighters and more, received either no Social Security Retirment Income or had their benefits severely reduced. Now, they can earn more. Learn who this affects, how much it affects them, and how you or someone you love could benefit.2.5 to 3 million may benefit from SSRI improvements. Who will benefit the most? What might you be able to do to take advantage of these additional benefits? And check in at t...
2025-07-0135 minExpert Network Team
Expert Network TeamConversation With Chad HarmonWelcome to the ENT!Join this conversation with financial advisor, Chad Harmon, partner with A&I Wealth Management. Learn about what it takes to be successful in business, a few personal stories, and a great introduction to a key person in the A&I team. Learn about the culture here, and how the firm we attract talented young talent. What are the key values that determine the goals? How can our listeners deliver this in their own firms? Future workforce, learn about what we see in the future for the industry, the profession, the markets and more...
2025-06-1722 minExpert Network Team
Expert Network TeamCharitable Giving: A Gratitude State Of MindThe world needs more impactful, local charitable giving, says Nathan Merrill. Giving without an expectation of anything in return, this is the subject today. And this act provides more benefits than many people think. We discuss the physiological effects of service, and how this helps the mind and the body. Think about how to help people within your circle, including the people you work with. You may be able to help people in ways you had never imagined. Nate and Karl discuss three ways of giving, by showing up, by delivering the high-level skills that made you wealthy, and...
2025-06-0327 minExpert Network Team
Expert Network TeamCharity With PurposeWelcome to the ENT!Embrace a little more gratitude, give a little more to the causes you are passionate about, with Nathan Merrill and Karl Frank. A lot of charitable planning centers around tax planning--if I give this, then I will save that in taxes. But rather than thinking of it as a quid pro quo, Nathan encourages us to come back to a higher level. "Detached or disinterested generosity," and the other legal definitions of charitable giving, is a good way to begin. And to whom do I want to make a gift? For many business...
2025-05-2036 minExpert Network Team
Expert Network TeamNavigating Stress Setting BoundariesWelcome to the Expert Network Team!Nathan Merrill shares with Karl Frank how he is struggling to set up professional boundaries. The two discuss solutions and practical ideas to help each other. Men rarely share their feelings with others, and sometimes do not even know what they are feeling themselves. But a few practical and actionable ideas can make all the difference, especially in stressful times. As always, it is good to have an expert on your side. Expert Network team provides free consultations. Just mention that you listened to the podcast. ...
2025-01-1430 minExpert Network Team
Expert Network TeamCyber Liabilities for BusinessWelcome to the ENT! Cyber security expert, Matt Quammen, joins Jeff, Karl and Nate to discuss the best ways small business owners can protect themselves from cyber fraud, theft, id theft, social engineering and more. Learn about some free tools as well as practical ideas. 1. Create a cyber plan 2. Use the plan to inform what you do daily and 3. Purchase cyber insurance, just in case. Matt shows us how to do more with less, perform a rapid security audit, and get the best bang for the buck. As a quick reminder, the Expert Network Team provides free consultations. We would...
2024-12-0327 minExpert Network Team
Expert Network TeamHealth Tips From A YogiKarl Frank just completed his 200 hour yoga certification. Although that makes him far from an expert on health, the expert network team share tips and personal stories about how we are staying fit in our fifties, and beyond! Resources mentioned in the podcast include: Good Energy by Casey Means Outlive by Peter Attia Mangala Yoga, Telluride, Colorado where Karl got his yoga certification As a quick reminder, the Expert Network Team provides free consultations. We would love the opportunity to be of service to you or someone you care about. Just scroll the liner notes to contact one of our...
2024-10-2225 minExpert Network Team
Expert Network TeamHelping Adulting Children Out of the HouseWelcome to the ENT!Jeff Krommendyk and Karl Frank discuss the emotional and practical sides of helping an adulting child move out of the house. Speaking from experience, the dads discussHow do you help a young adult move into an apartment when he is not motivated to go to a traditional four-year college? And also, helping a young adult make the leap to a college dorm, what are some practical tips? What do you do about insurance, including property and auto insurance? What about the young adult who leaves college and gets a place...
2024-09-1024 minExpert Network Team
Expert Network TeamTimeless Legal and Financial Planning Q&ANathan Merrill, attorney with Goodspeed Merrill, answers a series of common questions that Karl Frank, at A&I Wealth Management, receives on a regular basis. These include:8 min: Inherited a home in a trust, can I use the step-up in basis? Can I use the $250k exemption from taxes?12 min: Planning for modern families, in particular gay couples, and inheritance. Should I use a trust?15 min: Inheriting IRAs and Roth IRAs in trust? Pros and cons? Karl has a significant "con"--the paperwork it creates for the financial advisor and non-spouse inheritor!20 min: Owning real estate in different...
2024-08-2833 minExpert Network Team
Expert Network Team100 Episodes of Expert Team Advice in RetrospectiveIn the 100th episode of the Expert Network Team Podcast, Nathan Merrill, Jeff Krommendyk and Karl Frank reflect upon some of their favorite podcasts, lessons learned from each other, and deliver the messages they feel business owners and successful people need to hear.Some technical episodes include episode 1: estate planning essentials, episodes 58 and 59: When to take an estate into probate and guardianship and conservatorship. Books of interest, episode 33, and least favorite words, episode 11, are favorites. Company culture, episodes 29 and 32, particularly managing the next generation of workers, episode 60.We love the 80’s! Epis...
2024-08-1436 minExpert Network Team
Expert Network TeamAlmost All In on Political Civility and Why Delaware May be DangerousAlmost All In on Political Civility and Why Delaware May be Dangerous Recorded June 19, 2024 Podcast All In Episode 183 is the subject our experts engage in today. All In is a popular podcast run by four successful tech executives in Silicon Valley; some of them are politically progressive, some of them conservatives. The Silicon Valley guys, in a traditionally liberal progressive political haven, hosted Donald Trump into their home and had some insights. So that led two of our experts, Nate and Jeff, to engage in a civil discourse with our guest, Chris Schmidt, about politics. They challenge all our listeners...
2024-07-3136 minExpert Network Team
Expert Network TeamE94: Aging plans with Annalee Kruger 2 of 2Learn some of the specifics of Annalee’s advice. Take, for example, a driving plan. What if mom and dad cannot drive anymore? Are they even safe to drive? Learn about some of the things to do to make a home senior safe. Learn about technologies that can help our elderly loved ones. Learn about ways to keep our bodies and brains healthy. Also hear some real-life stories of things gone wrong.The Expert Network Team consists of Karl Frank CFP®, financial planner at A&I Wealth Management, Nathan Merrill, attorney at Goodspeed and Merrill, and Jeff Kro...
2024-05-2237 minExpert Network Team
Expert Network TeamAging plans with Annalee Kruger 1 of 2Nathan Merrill, Karl Frank CFP®The majority of families who hire Annalee or one of her team members are in crisis. Their loved one, an elder, has had a decline in health and they are not ready. The communication between family members is struggling. And all of us, at some point in time, will not be able to speak up for ourselves when we need to. So it is good to find a guide, and this podcast provides some practical ways to choose one.The Expert Network Team consists of Karl Frank CFP®, financial planner at...
2024-05-0830 minExpert Network Team
Expert Network TeamE92: Corporate Transparency Act 2 of 2Learn enough details about the CTA so that you can take action. Learn about the exceptions to the Corporate Transparency Act, and see if you can avoid completing the requirements. Learn about the affected people, called company applicants. Learn about company applicants, learn about how one complies–the application process. Learn about risk management considerations, and put it all in perspective and make it real.The Expert Network Team consists of Karl Frank CFP®, financial planner at A&I Wealth Management, Nathan Merrill, attorney at Goodspeed and Merrill, and Jeff Krommendyk, managing principal at OneDigital insurance.
2024-04-2431 minExpert Network Team
Expert Network TeamEpisode 91: Corporate Transparency Act Part 1 of 2Sweeping new laws affect every business owner of nearly every size business in the USA. Nathan and Karl interview Charlston “Chase” DeGrood, an attorney at Goodspeed and Merrill, about the CTA: Corporate Transparency Act. All of us have to give up a lot of privacy and keep our information up to date or we face stiff fines. In a new Federal government database, the Feds are collecting ownership of companies, holding companies, and other legal entities, even if they have no financial affect. Even the person doing the work, regardless of their position in the company, must provide personal priv...
2024-04-0935 minExpert Network Team
Expert Network TeamEpisode 90: Tax Harvesting...Gains and LossesJoin Nathan Merrill and Karl Frank CFP® as they share ideas about tax harvesting. First, learn what it means to harvest a tax loss and how it benefits you. Then, learn about some risks you might not have thought about when you choose to do it. Plus, learn some good strategies and when this benefits you the most. After that, Karl and Nate flip the topic on its head and give you what could be a great idea you might not have thought about: harvesting the gains of your favorite investments!For more information, visit us at w...
2023-11-2818 minExpert Network Team
Expert Network TeamEpisode 89: Practical Advisor for Coping with and Managing StressJeff Krommendyk, Nathan Merrill and Karl Frank discuss practical ways for business owners–and anyone!--can reduce stress. Drawing on personal experience, as well as all of our network, we tell you what we do–and what we would like to do! Keeping it real!Exercise, including practical advice like NOT GOING TO THE GYMSpiritual, including prayer, meditation and mindfulnessCommunity, in all of its ways we do not get isolatedHug therapy, need I say more!Other ideas include gratitude, charity, time management, sleep, water, and cold plunging! Remember what is true and take 15 minutes to reduce a litt...
2023-11-1428 minExpert Network Team
Expert Network TeamEpisode 84 - A Family Reunion Can Help Prepare the HeirsA Family Reunion Can Help Prepare Your HeirsNathan Merrill and Karl Frank, CFP talk about a fun way to help prepare the heirs–the family reunion! Here are a handful of fun and practical ideas to turn an event that has been the butt of many jokes, and funny movies, and turn it into something that could be impactful. Plus, it could prepare the heirs by giving them the stories and sharing the legacy of your family.First, ask why? Why do we have a family reunion? Get the buy-in from younger generations. Everyone needs to...
2023-08-2922 minExpert Network Team
Expert Network TeamEpisode 83 - A Good Inheritor of WealthA Good Inheritor of WealthNathan Merrill and Karl Frank, CFP discuss how to prepare an inheritor of wealth. Building off previous podcasts, we discuss some practical and fun actions we can take to help the next generations become the best versions of themselves they can be.Like training your kids to be good at golf, do you want them to start learning to play golf when young or old? Young!Similarly, do you want to prepare your heirs for their inheritance when they are young or old? Young!Financial education is important.Values, stories, ethics–th...
2023-08-1526 minExpert Network Team
Expert Network TeamEpisode 82 - Wealth as a DisruptorWealth is a Disruptor Nathan Merrill and Karl Frank, CFP say wealth is a disruptor. It could be a force for good or bad! First principles, how is money a disruptor? Help define the benefactor’s goalsThink about it from the inheritor’s sideNow think about it four generations out, what will they value? Likely not the money…Hear a story about a ranch in the family and another story that goes all the way back to Colonial Virginia. What do the relatives most value today?Learn the importance and usefulness of having a guideLearn a few techn...
2023-08-0123 minExpert Network Team
Expert Network TeamEpisode 81: What is a Family of Affinity and How Does it Affect my Estate Plan?Karl Frank, CFP and Nathan Merrill go back to first principles and discuss something that means the most to most of us: family. How do you transfer significant money to people who may or may not be part of your biological family?Learn how a “relational family” and a “family of affinity” are different. Learn some questions a financially successful person can ask.How do we get closer to our family? How do we keep them close?When you leave the money out of the conversation, you sometimes get closer to what is most important.On the other hand, avo...
2023-07-2524 minExpert Network Team
Expert Network TeamEpisode 80: Facilitating Important Family Conversations (Part 2)Karl Frank, CFP, Jeff Krommendyk and Nathan Merrill continue to interview Shawn Barberis, JD, who is an expert on facilitating important family conversations about legacy. Legacy is often discussed but rarely acted upon. Shawn shares some of the history of legacy conversations:How Shawn got into the business, and created the technology and processes.What the process looks like for new clients. This includes 30 minutes of homework for each and every family member, each and every month, for the first six months.The research on families who have successfully transferred the financial and non financial assets over generations.
2023-06-1329 minExpert Network Team
Expert Network TeamEpisode 79: Facilitating Important Family Conversations (Part 1)Karl Frank, CFP, Jeff Krommendyk and Nathan Merrill interview Shawn Barberis, JD, who is an expert on facilitating important family conversations about legacy. As Shawn says, legacy is often discussed but rarely acted upon. Shawn shares:How legacy is not quantitative, it is not measured in dollars. A legacy is qualitative. Shawn shares what he means by this and how he helps people find meaning.Why everyone, even the young people in a family, deserve a seat at the table during a family conversation about legacy.Everything goes wrong when the family goes wrong, the money, the businesses...
2023-05-3024 minExpert Network Team
Expert Network TeamEpisode 78: Die with Zero: What Will Be Your Legacy?In Die With Zero, Bill Perkins makes the case that people are saving too much money and not spending enough money to create memories with their loved ones. While we are alive, we should do things with the people we love, and help the people we love financially, so that we can enjoy “memory dividends” later in life. The experts discuss this intriguing idea and also criticize some of the shortcomings. In the first of a multi-part podcast series on legacy, Die with Zero starts an interesting conversation, to say the least!Learn more about legac...
2023-05-1624 minExpert Network Team
Expert Network TeamEpisode 77: Banking Crisis 2023: What Happened and Should We Worry?When Silicon Valley Bank (SVB) failed, it was dramatic. An “A” rated financial company has never disappeared with a few clicks on a cell phone–until SVB in March, 2023.The experts discuss this fearful and precarious news and put it into perspective. Now we have more uncertainty, and more confidence, at the same time! We are more uncertain about the possible short-term paths–the range of short-term outcomes is huge–from very good to very bad. And that causes uncertainty! On the other had, with the heavy-handed and quick reaction from the Federal Government, in particular the FDIC and F...
2023-05-0221 minExpert Network Team
Expert Network TeamEpisode 76: Insurance Rates are Rising but How Much and for how long?Karl Frank, CFP and Nathan Merrill quiz our insurance expert, Jeff Krommendyk, about how much insurance rates are rising, why and what can we do about it?What is happening with insurance rates and why?What can we do about it?Hard markets and soft marketsPutting it all into perspective, and some optimism that this might not last very long.Catastrophe: this is the primary reason rates are higher—we have had a number of catastrophes, this and…Low investment returns. Insurance companies have had lower investment returns, but that might be changing!For more information about thes...
2023-04-2533 minExpert Network Team
Expert Network TeamEpisode 75: How Rising Interest Rates affect Investment PlansJeff Krommendyk and Nathan Merrill ask Karl Frank, CFP about how rising interest rates affect the investment planning he recommends.What is happening with rates and why?Opportunities for growth and incomeExpected returns and how they matter for advanced tax planningA little bit about mutual funds and taxes and returnsSequence of returnsInflation, interest rates and…What recession? Who said we were having a recession anyway?In all seriousness, we discuss timely and timeless topics that may help put perspective on the craziness of our modern world.For more information about these topics, check out all ou...
2023-04-0425 minExpert Network Team
Expert Network TeamEpisode 74: How Rising Interest Rates affect Advanced Financial PlansKarl Frank, CFP and Jeff Krommendyk, ask Nathan Merrill about how rising interest rates affect advanced financial planning tools that he recommends.What is happening with rates and why?How do various charitable plans affected by rising rates?Which tax and charitable strategies are better today?What about changes in the US Federal Government and how does they affect my financial plans?We discuss charitable lead and charitable remainder trusts. For more information about these, check out our previous podcast:Podcast 39: Introduction to charitable giving Expert Network team provides free consultations. Just mention that...
2023-03-2117 minExpert Network Team
Expert Network TeamEpisode 73: 2023 Tax Law Changes for Business Owners and Other EmployersKarl Frank, CFP and Nathan Merrill discuss the tax law changes that are most likely to affect business owners and other employers. At the end of 2022, Congress passed more than 90 changes to the tax laws and many of these affect employers, especially with retirement plans.Roth-a-mania, many new rules around after-tax retirement plans, most of them provide a long-term benefit of the tax-payerCinnamon roll: instead of a donut hole, which is a phrase used to describe a problem with Medicare, the cinnamon roll benefits folks aged 60 to 63Bribery, how employers can use low-dollar gift cards to incentivize workers...
2023-03-0728 minExpert Network Team
Expert Network TeamEpisode 72: 2023 Tax Law Changes for Individuals and FamiliesAt the end of 2022, Congress passed more than 90 changes to the tax laws. This podcast will cover the biggest changes that affect the largest number of individuals and families. Nathan Merrill tax attorney, interviews Karl Frank, CFP and discuss:New rules around required distributionsIRAs and 401k plan changesTax brackets and deductionsNew benefits for education plans—you can roll left over money into your own Roth IRANew types of Roth accountsMost of the changes at the end of 2022 are good news; they actually benefit taxpayers! We discuss some of the reasons Congress made changes, including changing demographics, po...
2023-02-2132 minExpert Network Team
Expert Network TeamEpisode 71: Marijuana Use And The Workplace: What Employers Need To KnowEmployers can enforce rules that prohibit employees from using marijuana both on-duty and off-duty. This may be surprising to residents of Colorado, where marijuana is legal. Special guests, Lauren Snow and John Sauer join Karl Frank, CFP and Nathan Merrill to answer questions and help business owners manage employees who use Cannabis.Is it permissible for employers to prohibit employees from using cannabis while not at work?What is the case law in Colorado? Does it protect or imperil employers or employees?Will Colorado change the law?What about the US Federal Government and will cannabis become legal?
2023-02-0734 minExpert Network Team
Expert Network TeamEpisode 68: Lifetime Learning for Business OwnersBios for Karl Frank, CFP, Jeff Krommendyk and Nathan Merrill.Learn more about the Expert Network Team’s process and free discovery meeting. Expert Network team provides free consultations. Just mention that you listened to the podcast. Nathan Merrill, attorneyWorking with affluent families and entrepreneurs in implementing tax-efficient strategies and wealth preservationGoodspeed, Merrill(720) 473-7644nmerrill@goodspeedmerrill.comTaylor Smith, attorneyHelping affluent families build their legacy through complex estate planningGoodspeed Merrill(720) 512-2008tsmith@goodspeedmerrill.comwww.goo...
2022-11-0917 minExpert Network Team
Expert Network TeamEpisode 67: Reasons for Optimism in a RecessionKarl Frank, CFP, and Nathan Merrill discuss the recession. It is important for business owners, executives and managers to remain positive. Here are some reasons why and how!What makes the news is not what mattersRecessions are usually mildBusiness owners have more choice and control than many people about how the recession affects them, their business and their stakeholdersOften, these are times when employees become more loyal and hiring becomes easierA healthy company may be able to gain market share during a recessionHere are some risks that good managers, executives and other employers can turn into...
2022-10-1820 minExpert Network Team
Expert Network TeamEpisode 66: Dangers of Payroll (and Payroll Taxes) for EmployersKarl Frank, CFP and Nathan Merrill discuss a couple of real-life horror stories for employers: the underappreciated risks of payroll and payroll taxes!Learn what risks you face as a fiduciary for the Federal and State governmentsListen to a story about how Karl’s company had payroll, and three months of taxes, stolen…never to be recovered.Learn from Nathan as he shares a horror story from a person he cares aboutAvoid these big risks that business owners, executives and other fiduciaries face and how to avoid them! Expert Network team provides free cons...
2022-10-1229 minExpert Network Team
Expert Network TeamEpisode 65: How an Employer Can Enforce a Non-Compete Agreement in ColoradoLearn more about John Sauer’s free discovery meeting here:  https://www.goodspeedmerrill.com/attorney/sauer-john-paul/ Expert Network team provides free consultations. Just mention that you listened to the podcast. Nathan Merrill, attorneyWorking with affluent families and entrepreneurs in implementing tax-efficient strategies and wealth preservationGoodspeed, Merrill(720) 473-7644nmerrill@goodspeedmerrill.comTaylor Smith, attorneyHelping affluent families build their legacy through complex estate planningGoodspeed Merrill(720) 512-2008tsmith@goodspeedmerrill.comwww.goodspeedmerrill.com  Jeff Krommendyk, Insurance Exper...
2022-09-2830 minExpert Network Team
Expert Network TeamEpisode 64: Colorado upends Non-compete Agreements, what Colorado Employers Need to KnowLearn more about John Sauer’s free discovery meeting here:  https://www.goodspeedmerrill.com/attorney/sauer-john-paul/ Expert Network team provides free consultations. Just mention that you listened to the podcast. Nathan Merrill, attorneyWorking with affluent families and entrepreneurs in implementing tax-efficient strategies and wealth preservationGoodspeed, Merrill(720) 473-7644nmerrill@goodspeedmerrill.comTaylor Smith, attorneyHelping affluent families build their legacy through complex estate planningGoodspeed Merrill(720) 512-2008tsmith@goodspeedmerrill.comwww.goodspeedmerrill.com  Jeff Krommendyk, Insurance Exper...
2022-09-2131 minExpert Network Team
Expert Network TeamEpisode 63: 7 Key questions to ask if you are going to exit your businessExit Planning Intake QuestionnaireKarl Frank, CFP, Jeff Krommendyk, and Nathan Merrill discuss exit planning. How can you exit your business in style? Answer these seven questions, and you will be off to a good start.Do you know your exact retirement goals and what it should take, in cash, to reach them?Do you know how much your business is worth today, in cash?Do you know the best way to maximize the income stream generated by your ownership interest?Do you know how to sell your business to a third party and pay the...
2022-08-1025 minExpert Network Team
Expert Network TeamEpisode 62: Economic Headwinds in 2022Karl Frank, CFP answers questions from Nathan Merrill about the economy and brings a positive perspective to the events of the world. We discuss inflation, interest rates, slowing economy, low unemployment, energy costs and more. With a little different perspective, one can see many of the challenges in today’s world as opportunities. In sum, pessimists may sound smart but optimists make money. Learn more about Karl’s free discovery meeting here: https://www.assetsandincome.com/our-process-our-promise/ Learn more about Nathan Merrill here: https://www.goodspeedmerrill.com/attorney/merrill-nathan/ Expert Network team provides free consultations. Just mention that you listened to t...
2022-08-0234 minExpert Network Team
Expert Network TeamEpisode 61: Headwinds: How to Face Big Challenges with Nathan MerrillKarl Frank, CFP listens as Nathan Merrill opens up about some huge challenges he and his company are facing. Business owners of all walks of life face similar challenges, and may benefit from a conversation about: *Circumstances and events that are slowing us down *Catalysts–how big change is often masked as failure. *Management changes, how to part ways and everyone wins. *Redundancy, making ourselves less vulnerable to personnel changes. *Embrace patience *How a healthy culture of “not complaining” and “get stuff done” has a dark flip side…and how to avoid it! *How to be ambitiously lazy Learn more about Karl’s...
2022-07-2637 minExpert Network Team
Expert Network TeamEpisode 60: Managing Millenials: Advice from the Advice-GiversThere is no such thing as “one-size-fits all.” In this lively conversation, we provide some practical tips and tricks to motivate the next gen to succeed! In particular, Jeff offers skills and knowledge from his years as a business coach, some of which include:Challenges and advice finding peopleTesting, training, standardizing are just the startCustomizing, making things exciting, and still getting stuff doneTeamwork–culture-fit–inspiration, these are important for the next generation and how can we speak a language that fits their values?Learn more about Jeff’s free discovery meeting here:  https://www.securityfirstia.com/staff/na...
2022-06-2935 minExpert Network Team
Expert Network TeamEpisode 59: End-of-life Guardianship and Conservatorship with Leia UrseryWe start with the definitions, where they come into play, then move onto the bigger questions like:How can we help protect ourselves?What are powers of attorney? How can they help?How can we help our aging parents?How do we get things going if our parents never visited with an attorney?What do we do if we think there is some abuse?  Or if we are worried there is a chance of abuse someday?When should we be worried and what can we do to be confident?Get some practical advice to reduce conflict, increase s...
2022-06-2132 minExpert Network Team
Expert Network TeamEpisode 58: Probate: When to Avoid Probate and When to Just Take an Estate to ProbateIf you have not had the opportunity to take an estate through probate, you likely dread the process like you might dread the Department of Motor Vehicles. But Leia Ursery will teach us that sometimes, it is just the best way to go!What is probate and how does it help our survivors?What do we need to know about common law marriage?The 7 year rule myth–the truth is you can be married very quickly!The 10 year rule truth–how a spouse’s interests in property “vests” over time.How can probate resolve disputes over common law marriage...
2022-06-1632 minExpert Network Team
Expert Network TeamEpisode 57: Alternatives to Investing in Equity Markets in 2022 Part 2 of 2In this 20 minute episode, we continue our conversations about investments other than equities and bonds:Real estate–and how we can be rewarded and take on concentrated risk.We talk about leverage, as in, do we want more debt? Pros and cons.We talk about recession, but it’s not depressing!We discuss a recent Zoominar A&I Financial Services held with a China expert, here is the linkFor more information, visit the websites of any of the expert network team members. Expert Network team provides free consultations. Just menti...
2022-05-1128 minExpert Network Team
Expert Network TeamEpisode 56: Alternatives to Investing in Equity Markets in 2022 Part 1In this 20 minute episode, we discuss what we can do:What we can do when we have the jitters.Why we feel skepticism, doubt, and why it seems like things are rigged against us.We talk about Ukraine chaos, or commotion, as Nate calls it.We talk about gold…for goodness sakes!And finally, we learn the best strategies to use in the game of Risk.We discuss a recent Zoominar A&I Financial Services held with a China expert, here is the link. For more information, visit the websites of any of the expert network team me...
2022-05-0422 minExpert Network Team
Expert Network TeamEpisode 55: Inflation in 2022 Part 2 of 2In this 20 minute episode, we discuss what we can do about inflation:Reasons we have inflation. Are they just monetary? Are they policy related?How the Federal Reserve can help and likely has not helped, but hindered, inflation over the previous decade.We take a special look at mortgage rates and make a prediction—it may not be like the past. In fact, in the past, after a mortgage increase, the next few quarters have seen a decline in mortgage rates. Is this time different?And finally, learn three things we ca...
2022-04-2024 minExpert Network Team
Expert Network TeamEpisode 54: Inflation in 2022 Part 1 of 2In this 20 minute episode, we discuss the absolutes:Inflation is the loss of purchasing power; emotionally and economically affective.Comparison of today’s rates with the past and how that may affect us—in particular, we discuss gasoline pricesWhat types of products are we spending more on, and buying less of. Where are businesses making more money and selling less?And finally, learn some interesting recent statistics about today’s inflation environment.For more information, visit the websites of any of the expert network team members. Expert Network team provides free consultations. Just mention that y...
2022-04-0520 minExpert Network Team
Expert Network TeamEpisode 53: End of Life Planning with Advanced Medical Directives and Living WillsJeff Krommendyk, Karl Frank, CFP and Nathan Merrill dive into a conversation about death and come out feeling inspired. No, really.Start with the legal documents.Move into the soft stuff which is WAY more important anyway.Provide some links and recommendations for practical planning and conversation starters.Learn the three fundamentals of an AMD (Advanced Medical Directive). We briefly cover the medical power of attorney too so that you can safely go into a conversation with an attorney, and not have your head spinning. We talk a little about the differences between state laws, and how...
2022-03-2928 minExpert Network Team
Expert Network TeamEpisode 52: Panic at the Office Part 2 of 2Jeff Krommendyk, Karl Frank, CFP and Nathan Merrill are still experiencing panic at the office. Or rather, with all the heightened tensions around the world, we are noticing that we, our team members, our partners, clients, vendors are on edge.In the second of a two part series, we are getting real and provide practical advice to keep ourselves, and our teams, on track in “a time in our lives like no other.” How do we provide counsel to our team, family and friends?Recognize that the information we, and our team, takes in determines a grea...
2022-03-2221 minExpert Network Team
Expert Network TeamEpisode 51: Panic at the Office Part 1 of 2In this two part series, we are going to discuss ways to reduce the stress and increase the happiness of our team.Recognize the causes of heightened emotion.Self-assessment–you cannot lead if you cannot heal yourself.Pay special attention to the media you consume. Identify the sources of stress are usually news, social media and more.Like being on a diet, measure the amount of media/news we take in.Prioritize your news and media consumption into three buckets, good, better and best. Ignore the sensationalism. And discard the rest!And turn to slower information sources, like bo...
2022-03-1528 minExpert Network Team
Expert Network TeamEpisode 50: Business Owners Get Off the Treadmill Part 2We 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 co...
2022-03-0826 minExpert Network Team
Expert Network TeamEpisode 49: Business Owners Get Off The TreadmillBusiness Owners Get Off the TreadmillKarl 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...
2022-02-2226 minExpert Network Team
Expert Network TeamEpisode 48: Not a New Normal, but Better in 2022!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...
2022-02-1524 minExpert Network Team
Expert Network TeamEpisode 47: Retirement Income Planning: How You Can Make Withdrawals from Your Investment Accounts in RetirementRetirement Income Planning: How You Can Make Withdrawals from Your Investment Accounts in RetirementSpecial 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 wi...
2022-02-0835 minExpert Network Team
Expert Network TeamEpisode 46: Making a Career Change, Advice from Francois Giguere, CFP(R)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...
2022-01-1727 minExpert Network Team
Expert Network TeamEpisode 45: Marshall Fire in Boulder and How All of Us Can Protect Ourselves in the FutureJeff 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 thre...
2022-01-1129 minExpert Network Team
Expert Network TeamEpisode 44: Current State of the Markets with Cameron MorganSpecial guest Cameron Morgan joins Karl Frank, CFP, Jeff Krommendyk, Mike Miller, CPA and Nathan Merrill and gain useful and informative insights into today’s investment markets. Is it a good time to be investing in equities when the SP500 is at an all-time high? How much of the market’s rise is driven by the US Federal Reserve? And is it safe? If I am worried about inflation, should I pay off debt? Warren Buffet says I should be contrarian. If everyone says it is a good time to be in equities, should I wait until the markets crash? What...
2021-12-0821 minExpert Network Team
Expert Network TeamEpisode 43: Two Ways to Get Free Money from Colorado to Pay for College and Other HacksSpecial guest Cameron Morgan joins Karl Frank, CFP, Jeff Krommendyk, Mike Miller, CPA and Nathan Merrill and gain a couple of great ideas to save money, or just plain old get free money, to pay for college. Colorado families lose the unlimited State income tax deduction for contributions to 529 plans in 2021. However, there are two little-known secret ways to get free money from the State of Colorado to help pay for college. One helps parents and grandparents with younger age kids or grandkids, and the other helps pay for kids already in college. First, learn about the $1,000 matching grant from...
2021-12-0136 minExpert Network Team
Expert Network TeamEpisode 43: Real Estate for Retirement IncomeReal Estate for Retirement Income Liner Notes Join Karl Frank, CFP as he interviews Mike Miller, CPA and Nathan Merrill to talk about a very popular retirement income strategy: real estate. Today we are talking about the pros and cons and the ins and out of passive rental income. Karl is a rookie at owning commercial real estate and asks the experts, both of whom are income-producing real estate owners and have decades of experience counseling real estate investors. Here are just a few of the questions you can get answers to: Should I own it or try to fix...
2021-11-2421 minExpert Network Team
Expert Network TeamEpisode 42: Retirement Income PrimerRetirement Income Primer Join Mike Miller, CPA, Karl Frank, CFP and Nathan Merrill, attorney as they discuss retirement income. In today’s podcast, Nathan and Mike ask Karl questions about how to turn your retirement assets into retirement income. Some of the questions Karl answers include: Should I invest using a 401k or a Roth and what is the difference? What is my retirement number--how much do I need? What happens to real estate, like my home, in retirement? What about the sale of a business, a home or other large asset? How do we plan for Medicare? What are th...
2021-11-1728 minExpert Network Team
Expert Network TeamEpisode 41: What's the Right Amount of Insurance for You?Jeff Krommendyk discusses the right way to purchase insurance to protect your assets. With over 20 years of experience, Jeff makes it easy to understand what you do and do not want to buy. He reveals some risks that you might not know you have and ways to cover them. He discusses some of the ways that you can sleep better at night. Plus, the experts ask him some advanced questions for business owners and real estate owners that make it real. Expert Network team provides free consultations. Just mention that you listened to the podcast. 
2021-11-1030 minExpert Network Team
Expert Network TeamEpisode 40: What You Need to Know About Different Types of Retirement AccountsJoin Nathan Merrill, attorney, Mike Miller CPA and Karl Frank CFP as they lay out the fundamentals about retirement accounts. Learn the different ways that the money can be invested. Learn the different taxes, tax benefits. Learn why a retirement account eliminates the worry over capital gains tax. Learn the lingo and the law. In the podcast, we discuss the eligibility limits and make reference to this IRS web page:https://www.irs.gov/newsroom/new-income-ranges-for-ira-eligibility-in-2021Additionally, learn about the Roth conversion and whether you do or do not want to do one of these...
2021-11-0228 minExpert Network Team
Expert Network TeamEpisode 39: Introduction to Charitable Giving Rules and Good IdeasJoin Karl Frank CFP, Mike Miller CPA and Nathan Merrill, attorney, as they discuss charitable giving in a language all of us can understand. Learn about giving to people and giving to charities. Learn about the tax advantages and the estate tax advantages. Learn some practical advice about non-cash contributions. Learn how to maximize what you are already doing and not run into trouble with the IRS. Learn how to make a gift out of love and affection, and also be safe from trouble with the IRS. Finally, learn some of the lingo, like the DAF: donor advised fund...
2021-10-2724 minExpert Network Team
Expert Network TeamEpisode 38: How Doctors and Dentists Can Best Use LeverageShelly Doan, a banker with Keywest Bank, specializes in lending to doctor and dentist practices. Shelly brings her decades of experience, and degree in entrepreneurship, to the podcast. Doctors who want to get loans need to get a few things right with their financials. Learn where the value of the practice actually lies. Learn how banks rank the types of doctors depending upon their specialty. Shelly describes the Covid-19 crisis on doctor’s financials, both the best of times and the absolute worst. PPP loans can actually hurt a doctor’s prospects at getting a new loan—learn more about...
2021-10-2033 minExpert Network Team
Expert Network TeamEpisode 37: Why Doctors and Dentists Should be Very Afraid of Cyber Threats“Be very afraid,” says Shelly Doan, a banker with Keywest Bank. Shelly brings her decades of experience, and experience working with doctors and dentists, to the podcast. She discusses cyber security and tells the story of a particularly vicious crime. Learn how easy it is to be fooled by criminals and some ways to fight fraud. Learn the security protocols of your bank. Learn what crimes the bank will, and will not, protect you from. Learn why you should minimize check-writing. Learn about the pros and cons (and dangers!) of sending money electronically, including some of the popular apps you...
2021-10-1324 minExpert Network Team
Expert Network TeamEpisode 36: How You May be Affected by the Tax Proposal called “American Families”Join all four members of the Expert Team: Nathan Merrill, Karl Frank CFP, Mike Miller CPA and Jeff Krommendyk. We discuss the recent tax plan and how this may affect regular people, not just the billionaires.Importantly, the proposal has not yet passed Congress so everything is subject to change. We discuss a few of the tax increases and losses for individuals. Some of the lost tax benefits include the after-tax Roth contribution, and subsequent Roth conversion. This way to go tax free is made illegal for all people regardless of income by the American F...
2021-10-0628 minExpert Network Team
Expert Network TeamEpisode 35: More Advanced Planning with Mike Miller CPA and Nathan Merrill, Attorney, Part 2Mike Miller CPA and Nathan Merrill, attorney with Goodspeed and Merrill, dive into even more advanced financial planning topics. Learn about small business rules, taxation, and asset protection strategies. 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 nmerrill@goodspeedmerrill.com Taylor Smith, attorney Helping affluent families build their legacy through complex estate planning Goodspeed Merrill (720) 512-2008 tsmith@goodspeedmerrill.com www.goodspeedmerrill.com   Jeff Krommendyk, Insurance Expert Working with business owners and successful families in transferring ri...
2021-09-2933 minExpert Network Team
Expert Network TeamEpisode 34: Advanced Planning with Mike Miller CPA and Nathan Merrill, Attorney, Part 1Mike Miller CPA and Nathan Merrill, attorney with Goodspeed and Merrill, discuss advanced financial planning topics. Learn about small business rules, taxation, and asset protection strategies. 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 nmerrill@goodspeedmerrill.com Taylor Smith, attorney Helping affluent families build their legacy through complex estate planning Goodspeed Merrill (720) 512-2008 tsmith@goodspeedmerrill.com www.goodspeedmerrill.com   Jeff Krommendyk, Insurance Expert Working with business owners and successful families in transferring risk One Digital In...
2021-09-2232 minExpert Network Team
Expert Network TeamEpisode 33: Books of Interest to the Expert TeamNathan Merrill and Karl Frank CFP discuss some books they have read that have made an out-size impact on their business and personal lives. With the obvious exclusion of the religious and political categories, we dive into educational and historical books that make an impact. Learn and laugh along side of two of our experts as we discuss some books you may have heard about, and others you may not. Some of the books are famous, like the Stephen Covey books, 7 Habits and First Things First and Principle Centered Leadership. Some are less than famous, like Executive’s Compass by Ja...
2021-08-0433 minExpert Network Team
Expert Network TeamEpisode 32: Company Culture in Covid pt. 2In the second of the two-part podcast, Karl Frank and Nathan Merrill discuss practical ideas for keeping a company together when we are physically kept apart. We discuss fun twists on easy things like lunches, happy hours and fun Zoom meetings. We discuss going all the way and hiring a Company Culture Officer. We talk about technology we are using to keep people close. Napoleon Hill famously said, every challenge is an opportunity! With honesty, humility, transparency, and a focus on core values, business owners we know have been successful holding their teams together during the pandemic and keeping them...
2021-07-2833 minExpert Network Team
Expert Network TeamEpisode 31: Asset ProtectionLearn from the expert network team in a podcast or an online movie. Karl Frank, Nathan Merrill, Mike Miller and Jeff Krommendyk about ways to protect your assets during these crazy times! There are four types of asset protection. We help you protect: 1. Financial assets 2. Property 3. Confidential information 4. Personal security in the conversation with the expert network team, the gentlemen discuss the various ways we can protect our financial and property assets. First and foremost, insurance is the best defense. Having the right amount of insurance and knowing what it does and does not cover is paramount to a successful...
2021-06-2355 minExpert Network Team
Expert Network TeamEpisode 30: Qualified Charitable DistributionsIn this brief but informative podcast, Karl Frank, CFP, Mike Miller, CPA and Nathan Merrill, JD, discuss the QCD: Qualified Charitable Distribution. Learn the benefits and drawbacks of pulling money out of a retirement account and giving it to a charity. The Qualified Charitable Distribution (QCD) is a great way for someone to give money directly to a charity and avoid taxes. For people who file a Simple 1040 tax return, the QCD is often a great decision. It saves having to file a more complicated tax return and then itemize your tax deductions. Learn why wealthy people also enjoy the...
2021-06-1618 minExpert Network Team
Expert Network TeamEpisode 29: Company Culture During the Covid Era-Say What?Karl Frank CFP® interview Nathan Merrill and Jeff Krommendyk about how to build and strengthen company culture during the Covid-19 era. Before Covid—BC—culture was one thing. Now that we are in the Covid-19 era, everything is different. From handling working remotely to new technology, Jeff and Nate find opportunities and challenges. Come out of the podcast with 4 or 5 handy one-liners and good ideas to help you shape your company culture. Learn how to build community—and how it is different from culture. Learn why culture is a devotion. Challenges build identity. Identity helps you focus your efforts and find ne...
2021-06-0226 minExpert Network Team
Expert Network TeamEpisode 28: Biden's Big Estate Tax Plan- How Do You Anticipate and Plan for These Changes?Karl Frank CFP® and Nathan Merrill discuss Biden’s proposed estate tax plan changes. We describe what the President proposed and what this means for Americans. The increase may affect more people than ever before. The tax rate may be higher. And the loss of a benefit called the step-up in basis could be very expensive for families who have real estate, a family business, farm, or other assets. Nathan will talk in some detail about what we can do before the laws take effect. Learn about the risks that the laws will not change. And learn about ways to red...
2021-05-2605 minExpert Network Team
Expert Network TeamEpisode 27: Biden's Big Tax Plan Changes-How Do They Affect You?Karl Frank CFP® and Nathan Merrill discuss Biden’s proposed tax plan changes. This is the largest tax increase in US history, in dollar terms, and the second largest in history by percentage terms. Learn about the increased income tax. The long-term capital gains tax increased by the largest percentage in history. Learn about the estate tax increase and possible decrease in the estate tax exemption. This means a lot more people will be taxed a lot more upon death. Learn about the loss of a tax break called the step-up in cost basis. This tax, plus the others, could be...
2021-05-1931 minExpert Network Team
Expert Network TeamEpisode 26: So You Have Intellectual Property, Now What?So you have intellectual property, what do you do now? Learn the steps to get your property protected. Learn how to keep your property protected. Learn about the USPTO and ways to avoid problems, like abandonment. Learn about the cease and desist letter. Learn how to protect your brand, learn about consumer protection. What does intellectual property have to do with a shoe? How can insurance protect a business owner. Learn about licensing, both as a user and an issuer of intellectual property. And learn about copyrights, what is and is not a copyright. Finally, learn the most common ways...
2021-05-1235 minExpert Network Team
Expert Network TeamEpisode 25: Introduction to Intellectual PropertyLauren Cammarata Snow, attorney with Goodspeed and Merrill, teaches the experts about intellectual property. Learn the two types of IP and the differences between hard and soft IP. Learn the value and the purpose of patents, trademarks and copyrights. Laugh as you learn about why a patent is more than a feeling. Learn about what you can and cannot patent. Learn how to protect yourself and your company when developing an idea. Learn about trade dress, trademarks and trade names. Learn about the limits to common law protections. Learn about the differences, the advantages and costs of filing at the...
2021-05-0538 minExpert Network Team
Expert Network TeamEpisode 24: Paying for College Part 2 of 2You might run in front of a bus for your kids but have no clue how you are going to pay for college. Want to learn how we are really paying for college? Cameron Morgan with A&I Financial Services and the experts share our own stories. Learn how we are paying, or already paid for, our kids’ college educations. Hear our out-of-the-box ideas. What do parents and grandparents need to know in today’s college environment? The costs seem so high—yet you may have heard there are a lot of scholarships and other ways to reduce costs. What is rea...
2021-03-2331 minExpert Network Team
Expert Network TeamEpisode 23: Paying for College Part 1 of 2How do you pay for college? Cameron Morgan with A&I Financial Services explains to the experts some great info about how 529 plans really work. Make sure the IRS doesn't charge you taxes or penalties—hint 1009Q and 1098T. Learn about how much people actually receive from outside resources including scholarships, merit aid, grants, the Colorado Opportunity Fund and more. Learn why it is often better to apply to a lower-ranked school than the best school—be strategic! Learn about the pros and cons of using a Roth IRA for college—and whose Roth IRA, kid’s, parents or grandparents. Learn ab...
2021-03-1624 minExpert Network Team
Expert Network TeamEpisode 22: Captive Insurance Part 2The experts continue their conversation with Rich Ericson and Nathan Merrill about captive insurance companies. Learn alongside Jeff Krommendyk and Mike Miller about the big benefits, and key risks, of setting up a privately-owned insurance company. Continuing the conversation, Rich dives into more details about the three matrices of captive insurance: revenues, employees and current commercial insurance premiums. He discusses the big tax advantages and some of the legal details business owners want to know as they consider these advanced planning strategies. Learn about self-funded health insurance plans, and some of the benefits including increased transparency and lower costs. Learn...
2021-03-1031 minExpert Network Team
Expert Network TeamEpisode 21: Captive Insurance Part 1Jeff Krommendyk, Mike Miller, the experts, interview Rich Ericson from ALINK and Nathan Merrill with Goodspeed and Merrill to learn how to set up an insurance policy that covers risks not covered by traditional business insurance. Plus, the tax advantages can be huge. The perils of a pandemic can be covered by captive insurance, and that could have provided companies a lot of protection. Learn how a business owner can set up a captive insurance company of their own. Learn about the benefits. Learn about the tax benefits. Learn about the two fundamentals required by any insurance company. Learn about...
2021-03-0329 minExpert Network Team
Expert Network TeamEpisode 20: Pivoting in the Pandemic-Creating New Opportunities with Mike Miller, CPAMike Miller, CPA, explains how today's economic shutdown can actually help a business owner find new and profitable opportunities. In his own company, Mike is pivoting towards providing business owner advice. Many companies were overwhelmed with the work required to maintain their businesses during the economic shutdown. Some business owners lacked financial statement literacy. Many owners want a financial dashboard, so they can pull the right levers and get the biggest return on their invested dollars. Mike's team provides consultation that explains things in an easy-to-understand way. His goal is to help owners make business financial planning enjoyable and productive...
2021-02-2429 minExpert Network Team
Expert Network TeamEpisode 19: What Really Makes a Strong Balance Sheet?Mike Miller CPA tells a story about a friend who made it through the economic shutdown from the pandemic because of his strong balance sheet. Mike shares questions to ask yourself as you think about your finances. Learn a practical idea about planning for what to do when business income declines. Mike shares the four elements of a strong balance sheet. Learn rules of thumb for a "rainy day fund" and what lenders look for in companies. Learn about "negative net worth" and how to keep a forward focus when you're looking at financial statements. Expert Network team provides free...
2021-02-1721 minExpert Network Team
Expert Network TeamEpisode 18: Protecting Yourself Against Unemployment FraudJohn Sauer, employment law attorney, talks with Nathan Merrill, Mike Miller and Karl Frank about the $1.4 billion or more in fraudulent claims of unemployment. All three of our companies are victims, and so are some of our employees. Learn what to do to protect yourself and see if you are a victim of identity theft too! 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 nmerrill@goodspeedmerrill.com Taylor Smith, attorney Helping affluent families build their l...
2021-02-1024 minExpert Network Team
Expert Network TeamEpisode 17: Concentrated Equity Strategies Part 2 of 2Karl Frank and Nathan Merrill discuss practical plans for owners of stock options, restricted stock and other types of concentrated equity. Learn three big rules for owners of concentrated equity, and Karl's favorite "go tax free" idea for owners of concentrated equity. Other ideas include nonqualified deferred compensation, employee stock purchase plans, net unrealized appreciation and more. Learn the first thing and most important to do when you receive a concentrated equity plan. We also discuss how to build a secure financial plan if you are going to keep a large amount of money in the equity of a single...
2021-02-0225 minExpert Network Team
Expert Network TeamEpisode 16: Concentrated Equity Strategies 1 of 2Karl Frank and Nathan Merrill discuss what to do when a large amount of your net worth is tied up in a single company's stock. This is called having concentrated equity. Learn investment and tax strategies to reduce the tax-load and increase the after-tax money you have. Learn about costs, complexity and safety for different strategies. Learn about two different types of charitable trust strategies. For the newly-minted wealthy, these decisions are complicated and important. 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 t...
2021-01-2722 minExpert Network Team
Expert Network TeamEpisode 15: ESOP Planning for Business OwnersJeff Krommendyk, Nathan Merrill and Karl Frank discuss the advantages and downsides to an ESOP: Employee Stock Ownership Plan. Learn from Jeff as he begins the path towards a graceful exit from his business, even if it may be many years away for him. Securities provided through Geneos Wealth Management, member FINRA, SIPC. Advisory services provided through A&I Financial Services LLC. 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 nmerrill@goodspeedmerrill.com Taylor Smith, a...
2021-01-2037 minExpert Network Team
Expert Network TeamEpisode 14: Consolidated Appropriations Act of 2021Consolidated Appropriations Act of 2021 and What it Means for YouKarl and Nathan Merrill, attorney at Goodspeed and Merrill, discuss the most recent HUGE tax reform passed through Congress at the end of 2020. Many people know about the $600 sent to families. But we discuss other details that may not have made the news. Some of the highlights include:Business expenses paid with PPP loan are deductible : For business owners who used their PPP loan properly, the loan is not taxable. This had been in doubt until this act passed. There are also four new types of e...
2021-01-1321 minExpert Network Team
Expert Network TeamEpisode 13: Business Entity StructureJeff Krommendyk, Nathan Merrill and Karl Frank discuss the advantages of different business legal structures. In a world of changing laws and taxes, some of the old thinking is out of date. Learn more about the LLC, the S cooperation, the partnership and their pros and cons. 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 nmerrill@goodspeedmerrill.com Taylor Smith, attorney Helping affluent families build their legacy through complex estate planning Goodspeed Merrill (720) 512-2008 tsmith@g...
2021-01-0624 minExpert Network Team
Expert Network TeamEpisode 12: Technology risks facing business owners in the Covid-19 pandemic part twoThe experts interview Karan Safran, attorney, about the additional risks businesses face during the Covid-19 pandemic. Learn what business owners can and should do about 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 nmerrill@goodspeedmerrill.com Taylor Smith, attorney Helping affluent families build their legacy through complex estate planning Goodspeed Merrill (720) 512-2008 tsmith@goodspeedmerrill.com www.goodspeedmerrill.com   Jeff Krommendyk, Insurance Expert Working with business owners and successful families in transferring risk One Digital In...
2020-12-3029 minExpert Network Team
Expert Network TeamEpisode 11: Least Favorite Words from 2020Karl Frank and Nathan Merrill discuss their least favorite words of 2020 in a light-hearted discussion to end this "unprecendented" year. 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 nmerrill@goodspeedmerrill.com Taylor Smith, attorney Helping affluent families build their legacy through complex estate planning Goodspeed Merrill (720) 512-2008 tsmith@goodspeedmerrill.com www.goodspeedmerrill.com   Jeff Krommendyk, Insurance Expert Working with business owners and successful families in transferring risk One Digital Insurance Agency (303) 730-2327 jeff.krommendyk@onedigital.co...
2020-12-2316 minExpert Network Team
Expert Network TeamEpisode 10: Roth 401k and Why You May Want One TodayKarl Frank and Nathan Merrill discuss the key information you need to know about the Roth 401k. Learn why you may want to invest in one today. 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 nmerrill@goodspeedmerrill.com Taylor Smith, attorney Helping affluent families build their legacy through complex estate planning Goodspeed Merrill (720) 512-2008 tsmith@goodspeedmerrill.com www.goodspeedmerrill.com   Jeff Krommendyk, Insurance Expert Working with business owners and successful families in transferring risk One Di...
2020-12-1030 minExpert Network Team
Expert Network TeamEpisode 9: Technology risks facing business owners in the Covid-19 pandemicThe experts interview Karan Safran, attorney, about the additional risks businesses face during the Covid-19 pandemic. Learn what business owners can and should do about 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 nmerrill@goodspeedmerrill.com Taylor Smith, attorney Helping affluent families build their legacy through complex estate planning Goodspeed Merrill (720) 512-2008 tsmith@goodspeedmerrill.com www.goodspeedmerrill.com   Jeff Krommendyk, Insurance Expert Working with business owners and successful families in transferring risk One Digital In...
2020-12-0222 minExpert Network Team
Expert Network TeamEpisode 8: COVID-19 and Employment LawThe experts interview John Sauer about COVID-19 and the changes on employment law and new obligations and risks for employers. 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 nmerrill@goodspeedmerrill.com Taylor Smith, attorney Helping affluent families build their legacy through complex estate planning Goodspeed Merrill (720) 512-2008 tsmith@goodspeedmerrill.com www.goodspeedmerrill.com   Jeff Krommendyk, Insurance Expert Working with business owners and successful families in transferring risk One Digital Insurance Agency (303) 730-2327 jeff.krommendyk@onedigital.co...
2020-11-2031 minExpert Network Team
Expert Network TeamEpisode 7: Personal Insurance Auto-Home-Umbrella ExplainedPlease join Nathan S. Merrill, Esq., of the law firm Goodspeed & Merrill, as he discussions with Jeff Krommendyk of Security First Insurance Agency the in's and out's of personal insurance coverages, including auto, home, and umbrella insurance policies and the specific uses and applications. 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 nmerrill@goodspeedmerrill.com Taylor Smith, attorney Helping affluent families build their legacy through complex estate planning Goodspeed Merrill (720) 512-2008 tsmith@goodspeedmerrill.com www.g...
2020-07-0942 minExpert Network Team
Expert Network TeamEpisode 5: How COVID Impacts Business Insurance RisksPlease join Karl Frank, of A&I Financial, and Nathan Merrill, of the law firm Goodspeed & Merrill, as interview Jeff Krommendyk of Security First Insurance Agency of Denver, Colorado, and discuss how business insurance coverage and risk assessment has been affected by COVID and workforce displacements and accommodations that have resulted from the response to the pandemic. 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 nmerrill@goodspeedmerrill.com Taylor Smith, attorney Helping affluent families build t...
2020-07-0934 minExpert Network Team
Expert Network TeamEpisode 4: Power of Attorney Readiness and ComprehensionJoin Karl Frank as he discusses with Nathan S. Merrill, Esq., as they go in depth in discussing powers of attorney for financial and medical purposes and important considerations for each. 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 nmerrill@goodspeedmerrill.com Taylor Smith, attorney Helping affluent families build their legacy through complex estate planning Goodspeed Merrill (720) 512-2008 tsmith@goodspeedmerrill.com www.goodspeedmerrill.com   Jeff Krommendyk, Insurance Expert Working with business owners and successful families in...
2020-07-0241 minExpert Network Team
Expert Network TeamEpisode 3: 2020 COVID Market in Hindsight - 6 months that changed everythingJoin Nathan Merrill as he talks with Karl Frank to look back on one of the most remarkable markets in modern history, the COVID Market. 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 nmerrill@goodspeedmerrill.com Taylor Smith, attorney Helping affluent families build their legacy through complex estate planning Goodspeed Merrill (720) 512-2008 tsmith@goodspeedmerrill.com www.goodspeedmerrill.com   Jeff Krommendyk, Insurance Expert Working with business owners and successful families in transferring risk One Digital Insurance Ag...
2020-07-0242 minExpert Network Team
Expert Network TeamEpisode 2: Intro to Basic Estate Planning ConceptsJoin Karl Frank and Nathan Merrill, Esq., as they discuss basic estate planning concepts and their practical application. 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 nmerrill@goodspeedmerrill.com Taylor Smith, attorney Helping affluent families build their legacy through complex estate planning Goodspeed Merrill (720) 512-2008 tsmith@goodspeedmerrill.com www.goodspeedmerrill.com   Jeff Krommendyk, Insurance Expert Working with business owners and successful families in transferring risk One Digital Insurance Agency (303) 730-2327 jeff.krommendyk@onedigital.com Karl Fr...
2020-07-0154 minExpert Network Team
Expert Network TeamEpisode 1: Top Financial Move for the Covid 19 EraJoin our professionals as they discuss ideas for you to consider given the sweeping changes resulting from COVID 19 and its repercussions, including Captive Insurance, ROTH Conversions, and Insurance Reviews, particularly considering Cyber Security coverage. 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 nmerrill@goodspeedmerrill.com Taylor Smith, attorney Helping affluent families build their legacy through complex estate planning Goodspeed Merrill (720) 512-2008 tsmith@goodspeedmerrill.com www.goodspeedmerrill.com   Jeff Krommendyk, Insurance Expert Working with business owners an...
2020-07-0138 min