Expert Network Team

Buying a home is harder than ever before. Young people are waiting longer and longer. What does that mean for our economy? Wage growth is being outpaced by housing costs, so where are we really? Oh by the way, cars and healthcare and other costs are expensive too! The data is skewed by Covid, so what is really going on? Are the next generation potential homebuyers really all that worse off or are they culturally different, with different values? And what is going on with DOGE—does government spending cuts hurt the economy? What are the states doing? What are the numbers, not the prognosticators, saying? Prognosticators talk about inflation so often, it may lead you to ask, “Is anything disinflationary (and is that good)?” Where are we at with the unemployment number and is that a reliable number? And learn why jobless claims, produced weekly, are a reliable indicator, as volatile as they are. And the ultimate question, maybe, is America OK?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 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 Frank Financial planner helping a small number of successful families grow and protect their wealth and choose how they want to be taxed CERTIFIED FINANCIAL PLANNER™ A&I Wealth Management (303) 690.5070 karl@assetsandincome.com   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.

Our guest is Jack Janasiewicz, portfolio manager at Natixis Investments. For his contact information, reach out to an expert team member.  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.comwww.goodspeedmerrill.com Jeff Krommendyk, Insurance ExpertWorking with business owners and successful families in transferring riskOne Digital Insurance Agency(303) 730-2327jeff.krommendyk@onedigital.com Karl FrankFinancial planner helping a small number of successful families grow and protect their wealth and choose how they want to be taxedCERTIFIED FINANCIAL PLANNER™A&I Wealth Management(303) 690.5070karl@assetsandincome.com Webcasts, Podcasts, Streaming Video, Streaming AudioA&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.

Dr. Richard RoselloConsultation:  https://rickyrossello.com/contact/Substack: https://rickyrossello.substack.com/Book: https://rickyrossello.com/the-book/ Longevity: https://rickyrossello.com/longevity/ 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.comwww.goodspeedmerrill.com Jeff Krommendyk, Insurance ExpertWorking with business owners and successful families in transferring riskOne Digital Insurance Agency(303) 730-2327jeff.krommendyk@onedigital.com Karl FrankFinancial planner helping a small number of successful families grow and protect their wealth and choose how they want to be taxedCERTIFIED FINANCIAL PLANNER™A&I Wealth Management(303) 690.5070karl@assetsandincome.com Webcasts, Podcasts, Streaming Video, Streaming AudioA&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.

 — Dr. Richard RoselloConsultation:  https://rickyrossello.com/contact/Substack: https://rickyrossello.substack.com/Book: https://rickyrossello.com/the-book/ Longevity: https://rickyrossello.com/longevity/ 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.comwww.goodspeedmerrill.com Jeff Krommendyk, Insurance ExpertWorking with business owners and successful families in transferring riskOne Digital Insurance Agency(303) 730-2327jeff.krommendyk@onedigital.com Karl FrankFinancial planner helping a small number of successful families grow and protect their wealth and choose how they want to be taxedCERTIFIED FINANCIAL PLANNER™A&I Wealth Management(303) 690.5070karl@assetsandincome.com Webcasts, Podcasts, Streaming Video, Streaming AudioA&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.

Dr. Richard RoselloConsultation:  https://rickyrossello.com/contact/Substack: https://rickyrossello.substack.com/Book: https://rickyrossello.com/the-book/Longevity: https://rickyrossello.com/longevity/  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.comwww.goodspeedmerrill.com Jeff Krommendyk, Insurance ExpertWorking with business owners and successful families in transferring riskOne Digital Insurance Agency(303) 730-2327jeff.krommendyk@onedigital.com Karl FrankFinancial planner helping a small number of successful families grow and protect their wealth and choose how they want to be taxedCERTIFIED FINANCIAL PLANNER™A&I Wealth Management(303) 690.5070karl@assetsandincome.com Webcasts, Podcasts, Streaming Video, Streaming AudioA&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.

Is business going to go well in 2025? A question from a listener gets the guys talking about reasons for optimism in 2025. Whether you are elated, despondent or in the middle, 2025 is sure to bring changes to the Federal government. What does that mean for small business owners?Nate boils it down to a different question: what do you think is the role of government? If you think it should be smaller than it has been, or less intrusive, then you might naturally feel more optimistic than a person who feels differently. The experts discuss regulations, productivity, technology, and more. Ultimately, your optimism will determine your sphere of influence; and you can effect great change for the better in your own business and life in 2025–regardless of what you think about the Federal government.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 experts or today's guest. And please share this podcast with anyone who you think might find it interesting.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. Nathan Merrill, attorneyWorking with affluent families and entrepreneurs in implementing tax-efficient strategies and wealth preservationGoodspeed, Merrill(720) 473-7644nmerrill@goodspeedmerrill.comwww.goodspeedmerrill.com Jeff Krommendyk, Insurance ExpertWorking with business owners and successful families in transferring riskOne Digital Insurance Agency(303) 730-2327jeff.krommendyk@onedigital.com Karl FrankFinancial planner helping a small number of successful families grow and protect their wealth and choose how they want to be taxedCERTIFIED FINANCIAL PLANNER™A&I Wealth Management(303) 690.5070karl@assetsandincome.com Webcasts, Podcasts, Streaming Video, Streaming AudioA&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.

Welcome 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. Nathan Merrill, attorneyWorking with affluent families and entrepreneurs in implementing tax-efficient strategies and wealth preservationGoodspeed, Merrill(720) 473-7644nmerrill@goodspeedmerrill.comwww.goodspeedmerrill.com Jeff Krommendyk, Insurance ExpertWorking with business owners and successful families in transferring riskOne Digital Insurance Agency(303) 730-2327jeff.krommendyk@onedigital.com Karl FrankFinancial planner helping a small number of successful families grow and protect their wealth and choose how they want to be taxedCERTIFIED FINANCIAL PLANNER™A&I Wealth Management(303) 690.5070karl@assetsandincome.com Webcasts, Podcasts, Streaming Video, Streaming AudioA&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.

Five strategies to bust through obstaclesJohn Geringer and Misty Bandimere-Jordan coach the expert network team. Understand your Triple G: God Given Gifts. Get your focus. Know your “Why?”. Think big–bigger than you think. Set goals, write them down, and take action.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 experts or today's guest. And please share this podcast with anyone who you think might find it interesting.As always, it is good to have an expert on your side.Featuring: John Geringer and Misty Bandimere-JordanPractice Abundant Lifelinkedin.com/in/john-h-geringer-5720782Phone (720) 955-6210mindy@practiceabundantlife.com 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.comwww.goodspeedmerrill.com Jeff Krommendyk, Insurance ExpertWorking with business owners and successful families in transferring riskOne Digital Insurance Agency(303) 730-2327jeff.krommendyk@onedigital.com Karl FrankFinancial planner helping a small number of successful families grow and protect their wealth and choose how they want to be taxedCERTIFIED FINANCIAL PLANNER™A&I Wealth Management(303) 690.5070karl@assetsandincome.com Webcasts, Podcasts, Streaming Video, Streaming AudioA&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.

John Geringer and Misty Bandimere-Jordan coach the expert network team. Understand your Triple G: God Given Gifts. We discuss strategies for advisors to achieve their goals efficiently. We explore the importance of understanding and leveraging one's unique abilities, setting ambitious goals, and maintaining focus on personal motivations. The conversation also emphasizes the value of coaching and practical ways to overcome obstacles.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 experts or today's guest. And please share this podcast with anyone who you think might find it interesting.Featuring: John Geringer and Misty Bandimere-JordanPractice Abundant Lifelinkedin.com/in/john-h-geringer-5720782Phone (720) 955-6210mindy@practiceabundantlife.com 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.comwww.goodspeedmerrill.com Jeff Krommendyk, Insurance ExpertWorking with business owners and successful families in transferring riskOne Digital Insurance Agency(303) 730-2327jeff.krommendyk@onedigital.com Karl FrankFinancial planner helping a small number of successful families grow and protect their wealth and choose how they want to be taxedCERTIFIED FINANCIAL PLANNER™A&I Wealth Management(303) 690.5070karl@assetsandincome.com Webcasts, Podcasts, Streaming Video, Streaming AudioA&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.

Welcome 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 love the opportunity to be of service to you or someone you care about. Just scroll the liner notes to contact one of our experts or today's guest. And please share this podcast with anyone who you think might find it interesting. As always, it is good to have an expert on your side. — Today's guest: Matt Quammen Optimize Cyber 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 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 Frank Financial planner helping a small number of successful families grow and protect their wealth and choose how they want to be taxed CERTIFIED FINANCIAL PLANNER™ A&I Wealth Management (303) 690.5070 karl@assetsandincome.com   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.

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.comwww.goodspeedmerrill.com Jeff Krommendyk, Insurance ExpertWorking with business owners and successful families in transferring riskOne Digital Insurance Agency(303) 730-2327jeff.krommendyk@onedigital.com Karl FrankFinancial planner helping a small number of successful families grow and protect their wealth and choose how they want to be taxedCERTIFIED FINANCIAL PLANNER™A&I Wealth Management(303) 690.5070karl@assetsandincome.com Webcasts, Podcasts, Streaming Video, Streaming AudioA&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.

DEI and the future of diversity at work John-Paul Sauer joins the experts to discuss the future of workplace diversity. Diversity, equity and inclusion (DEI) has had a major impact on work and in education for many years. In 2024, however, Harvard lost a key DEI battle in the Supreme Court. Since then, several large employers have significantly cut back on their DEI programs. Now, employers are wondering about the future of diversity at work. Learn: Origins of DEI, intentions and legal future Implications for compliance and employee training Race, and other protected classes, cannot be used for hiring or promotion However, governments are allowed to award contracts to women and minority-owned businesses Practical tips for the business owner about setting up DEI and workplace education 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 experts or today's guest. And please share this podcast with anyone who you think might find it interesting. 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 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 Frank Financial planner helping a small number of successful families grow and protect their wealth and choose how they want to be taxed CERTIFIED FINANCIAL PLANNER™ A&I Wealth Management (303) 690.5070 karl@assetsandincome.com   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 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 experts or today's guest. And please share this podcast with anyone who you think might find it interesting. 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.  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 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 Frank Financial planner helping a small number of successful families grow and protect their wealth and choose how they want to be taxed CERTIFIED FINANCIAL PLANNER™ A&I Wealth Management (303) 690.5070 karl@assetsandincome.com   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.

For a lot of our small business owners, we've got good news: noncompetes are legal again. Today we interview John Sauer, attorney and expert on business law. John and Nate discuss the legal implications of a sudden direction shift legalizing popular agreements employers sign with key employees; and stay for the end when they discuss the future. Is this a new era in American Law, where judges are kings? Find out their opinions. As always, it is good to have an expert on your side. 00:03 FTC ban on non-compete agreements is struck down by the Ryan Court 00:10 Chevron deference 14:30 Marbury vs. Madison 18:00 an ever-expanding government, is this era coming to a close? 21:00 cold comfort…now appointed judges have “power of kings” 25:00 litigation is going to explode 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 experts or today's guest. And please share this podcast with anyone who you think might find it interesting. — 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 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 Frank Financial planner helping a small number of successful families grow and protect their wealth and choose how they want to be taxed CERTIFIED FINANCIAL PLANNER™ A&I Wealth Management (303) 690.5070 karl@assetsandincome.com   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.

Welcome 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 of their own? Jeff and Karl are looking forward to both being empty nesters, with successful young adult children. This brief podcast may help propel your family to the next stage!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 experts or today's guest. And please share this podcast with anyone who you think might find it interesting. 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.comwww.goodspeedmerrill.com Jeff Krommendyk, Insurance ExpertWorking with business owners and successful families in transferring riskOne Digital Insurance Agency(303) 730-2327jeff.krommendyk@onedigital.com Karl FrankFinancial planner helping a small number of successful families grow and protect their wealth and choose how they want to be taxedCERTIFIED FINANCIAL PLANNER™A&I Wealth Management(303) 690.5070karl@assetsandincome.com Webcasts, Podcasts, Streaming Video, Streaming AudioA&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.

Nathan 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 states when you die, any advice to simplify all this?25 min: Gifting more than the gifting limit, but well below the lifetime gifting limit. Should I just file a gift tax return every year (no!) or should I do some other kind of planning (yes!)?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 experts or today's guest. And please share this podcast with anyone who you think might find it interesting. 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.comwww.goodspeedmerrill.com Jeff Krommendyk, Insurance ExpertWorking with business owners and successful families in transferring riskOne Digital Insurance Agency(303) 730-2327jeff.krommendyk@onedigital.com Karl FrankFinancial planner helping a small number of successful families grow and protect their wealth and choose how they want to be taxedCERTIFIED FINANCIAL PLANNER™A&I Wealth Management(303) 690.5070karl@assetsandincome.com

In 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! Episodes beginning with the 80's include good inheritor of wealth, wealth is a disruptor, and many discussions about more than just maximizing money and reducing taxes. Overall discussions of meaning, purpose, and transferring to our loved ones more than just money are the best podcasts, in the our opinion. And so that is a trend we will continue. Constancy, says Nate, requires change. One incredible differentiating benefit we each bring to each of our clients is the Expert Network Team and additional resources of each other's teams, says Jeff. And Karl says, we want to make a significant impact in the lives of people who are making an impact, and want to make an even bigger impact in the future. 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.comwww.goodspeedmerrill.com Jeff Krommendyk, Insurance ExpertWorking with business owners and successful families in transferring riskOne Digital Insurance Agency(303) 730-2327jeff.krommendyk@onedigital.com Karl FrankFinancial planner helping a small number of successful families grow and protect their wealth and choose how they want to be taxedCERTIFIED FINANCIAL PLANNER™A&I Wealth Management(303) 690.5070karl@assetsandincome.com

Almost 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 to get to know the candidates beyond the posturing and the messages that pummel us with negativity. Also on the docket, the lawyers discussed the importance of jurisdiction for business owners. Tesla is a prime example of what can go wrong. Learn some of the drama going on and what you may want to discuss with your own expert team. Finally, the economy is looking pretty good…or is it? The experts deliver their opinions and what they are hearing from their clients. — The Expert Network Team provides a free consultation. Our guest today: Chris Schmidt Lawyer Goodspeed, Merrill (720) 473-7644 cschmidt@goodspeedmerrill.com www.goodspeedmerrill.com Nathan Merrill Lawyer and Legal Expert Goodspeed, Merrill (720) 473-7644 nmerrill@goodspeedmerrill.com www.goodspeedmerrill.com Jeff Krommendyk Insurance Agent and Expert One Digital Insurance Agency (303) 730-2327 jeff.krommendyk@onedigital.com Karl Frank CERTIFIED FINANCIAL PLANNER™ A&I Wealth Management (303) 690.5070 karl@assetsandincome.comExpert 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 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 Frank Financial planner helping a small number of successful families grow and protect their wealth and choose how they want to be taxed CERTIFIED FINANCIAL PLANNER™ A&I Wealth Management (303) 690.5070 karl@assetsandincome.com  

Are noncompete agreements now Federally illegal? A recent law has been issued by the Federal Government that makes it impossible for employers to limit their former employees from competing with them. John Sauer, expert attorney at Goodspeed and Merrill, gives it about a 10 percent chance of not being overturned in court. But employers need to know what is happening now, before the court cases go through. And in today's world, who knows what is really going to happen? 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 experts or today's guest. And please share this podcast with anyone who you think might find it interesting. 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.  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 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 Frank Financial planner helping a small number of successful families grow and protect their wealth and choose how they want to be taxed CERTIFIED FINANCIAL PLANNER™ A&I Wealth Management (303) 690.5070 karl@assetsandincome.com  

Today the experts talk artificial intelligence. We are making it real. In the All In Podcast number 179, the guys discuss topics that affect all of us. We are on the verge of remarkable achievements that are on the cusp of breaking through. And, as small business owners ourselves, we are most interested in making it real. Learn some creative ideas we have about how we may implement AI in our own businesses. And learn why we are confident. 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 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 Frank Financial planner helping a small number of successful families grow and protect their wealth and choose how they want to be taxed CERTIFIED FINANCIAL PLANNER™ A&I Wealth Management (303) 690.5070 karl@assetsandincome.com  

Today the experts talk back to the guys in the All In podcast. All In is one of the most popular podcasts in America The four hosts are each successful big, technology business founders, funders, and executives in California. Our perspective is from the POV of small business owners in Colorado, and we think a lot more people think more like we do. Decide for yourself. In the All In Podcast number 175, they discuss topics that affect small business owners. First on the docket, a tax increase which is being ignored by many people but could hurt a lot of companies, particularly small technology companies. Next, we give our take on the firings of 28 Google employees who are protesting their employer's involvement with Israel. Are they just entitled and naive? Nate takes us on a tour of Mideast history and we take issue with one of the points made in All In, which is that maybe Gaza is to Israel as the 1960's and 70's Vietnam War was to the USA. We respectfully disagree. 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 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 Frank Financial planner helping a small number of successful families grow and protect their wealth and choose how they want to be taxed CERTIFIED FINANCIAL PLANNER™ A&I Wealth Management (303) 690.5070 karl@assetsandincome.com  

The experts discuss the importance of dreams. We are all of a similar age, in a similar life stage, which is to say, not young anymore! We open up and share dreams about what we want to do now. As adults, we do safe things. Having put aside, delayed, dropped or otherwise ignored our dreams for decades while we raised children and built businesses gave us an opportunity today. Now we have a little more time, talent and financial assets to achieve even more than what we used to dream about. But in some ways, we are afraid. Why? What next? What next! It's an exciting and fun conversation we are having now.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 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 Frank Financial planner helping a small number of successful families grow and protect their wealth and choose how they want to be taxed CERTIFIED FINANCIAL PLANNER™ A&I Wealth Management (303) 690.5070 karl@assetsandincome.com  

Learn 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 Krommendyk, managing principal at OneDigital insurance.Expert Network team provides free consultations. Just mention that you listened to the podcast.Today's guest:Annlee Kruger1-800-741-0302WeCare@CareRightInc.comhttps://www.linkedin.com/in/annaleekrugerwww.carerightinc.comFacebook: @carerightincorp https://www.facebook.com/carerightincorpInstagram: @carerightinc https://www.instagram.com/carerightinc/LinkedIn: @care-right-inc https://www.linkedin.com/company/care-right-inc/YouTube: @caregivercrisis  https://www.youtube.com/@caregivercrisis 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.comwww.goodspeedmerrill.com Jeff Krommendyk, Insurance ExpertWorking with business owners and successful families in transferring riskOne Digital Insurance Agency(303) 730-2327jeff.krommendyk@onedigital.com Karl FrankFinancial planner helping a small number of successful families grow and protect their wealth and choose how they want to be taxedCERTIFIED FINANCIAL PLANNER™A&I Wealth Management(303) 690.5070karl@assetsandincome.com

Nathan 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 A&I Wealth Management, Nathan Merrill, attorney at Goodspeed and Merrill, and Jeff Krommendyk, managing principal at OneDigital insurance.Expert Network team provides free consultations. Just mention that you listened to the podcast. Today's guest:Annlee Kruger1-800-741-0302https://www.linkedin.com/in/annaleekrugerwecare@carerightinc.comwww.carerightinc.comFacebook: @carerightincorp https://www.facebook.com/carerightincorpInstagram: @carerightinc https://www.instagram.com/carerightinc/LinkedIn: @care-right-inc https://www.linkedin.com/company/care-right-inc/YouTube: @caregivercrisis  https://www.youtube.com/@caregivercrisis  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.comwww.goodspeedmerrill.com Jeff Krommendyk, Insurance ExpertWorking with business owners and successful families in transferring riskOne Digital Insurance Agency(303) 730-2327jeff.krommendyk@onedigital.com Karl FrankFinancial planner helping a small number of successful families grow and protect their wealth and choose how they want to be taxedCERTIFIED FINANCIAL PLANNER™A&I Wealth Management(303) 690.5070karl@assetsandincome.com

Learn 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. 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.comwww.goodspeedmerrill.com Jeff Krommendyk, Insurance ExpertWorking with business owners and successful families in transferring riskOne Digital Insurance Agency(303) 730-2327jeff.krommendyk@onedigital.com Karl FrankFinancial planner helping a small number of successful families grow and protect their wealth and choose how they want to be taxedCERTIFIED FINANCIAL PLANNER™A&I Wealth Management(303) 690.5070karl@assetsandincome.com

Sweeping 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 private information to complete the filing. Learn about your requirements, the risks you face and some ways to stay compliant in the first of two podcasts.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.Expert Network team provides free consultations. Just mention that you listened to the podcast. 

Join 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 www.expertnetworkteam.com or shoot us an email for an initial free discovery meeting, info@expertnetworkteam.com. Happy holidays from the ENT!

Jeff 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 little stress.

In this episode Nathan Merrill and Jeff Krommendyk interview Monroe "Roey" Diefendorf, who is a member of a 5 generational family legacy business.  Roey discusses many of the challenges which multi-generational families (or those desiring to transmit family business and wealth among multiple generations) face.  He talks about the challenges his family had to overcome to make it to 5 generations, and observations he made of the counsel that affluent families are receiving which is not necessarily in harmony with their concerns and goals, specifically "how to prepare the family for the money".  From this he pioneered a "3D" portfolio management approach to advising clients, as well as being instrumental in developing the "Fam Tec" foundation for More Than Money 360, which is his admitted final career but utmost passion.  Part 2 of a 2 part series with Roey.  

In this episode Nathan Merrill and Jeff Krommendyk interview Monroe "Roey" Diefendorf, who is a member of a 5 generational family legacy business.  Roey discusses many of the challenges which multi-generational families (or those desiring to transmit family business and wealth among multiple generations) face.  He talks about the challenges his family had to overcome to make it to 5 generations, and observations he made of the counsel that affluent families are receiving which is not necessarily in harmony with their concerns and goals, specifically "how to prepare the family for the money".  From this he pioneered a "3D" portfolio management approach to advising clients, as well as being instrumental in developing the "Fam Tec" foundation for More Than Money 360, which is his admitted final career but utmost passion.  Part 1 of a 2 part series with Roey.  

A 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 bring something to the reunion to make it work.Story-time.Fun events.Symbols can be a big part of legacy; and they could be as small as a cuff-link!Consider a book; here is a way that everyone can contribute something they want to remember.Make sure everyone is invited and feels safe.Bring in the spouse's stories too!Sometimes the elder generations are saddled with putting on this event. The younger generations have a lot at stake. Importantly, the expert team offers a free discovery meeting. Contact any one of us at www.expertnetworkteam.com or email info@expertnetworkteam.com 

A 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–these are more important than financial education to prepare your heirs.Think about the items, the symbols, in your family. Learn how to turn them into a catalyst for creating a multi-generational legacy.Native peoples have oral traditions that we can learn from.Learn how to help the future generations you will never meet, and help them understand your ancestors' stories as well.In this podcast, we discuss previous podcasts about estate planning. Make sure to listen to them! Importantly, the expert team offers a free discovery meeting. Contact any one of us at www.expertnetworkteam.com or email info@expertnetworkteam.com 

Wealth 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 techniques to navigate important conversations safely.In this podcast, we discuss the book, Cycle of a Gift by James Hughes etc. Importantly, the expert team offers a free discovery meeting. Contact any one of us at www.expertnetworkteam.com or email info@expertnetworkteam.com 

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, avoiding the money conversation can make things even worse.Learn a few techniques to navigate important conversations safely.As always, the expert team offers a free discovery meeting. Contact any one of us at www.expertnetworkteam.com or email info@expertnetworkteam.com

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.Shawn shares practical advice and offers a way to facilitate communications about the topics that are most important to many people. What does this money mean? What stories do you want to share? What are the values? By creating a shared values list, Shawn's team helps families create a family values mission statement. And make sure to listen to the end of the podcast when we discuss how Shawn can help disinterested, intimidated (bored?) new generations get interested, involved and feel like they are making a difference. He also offers advice about how to get an older patriarch who wants to maintain control involved, and willing to be vulnerable.Learn more about Shawn and his company, More than Money 360, at his website,  www.morethanmoney360.com , or email him at shawn@mtm360.com. Make sure to schedule a free discovery meeting, here: https://www.assetsandincome.com/our-process-our-promise/ 

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, health and wealth. All of it depends upon transparent conversations.Shawn and his team have developed processes and technology to make conversations productive and families feel confident and safe. He says there are three stages to the financial legacy, first you have to make it. Then you have to prepare the money for the family. These are where many people stop–this is the traditional estate plan for a financially successful family. But a wealthy family, says Shawn, takes the next step: prepare the family for the money.Learn more about Shawn and his company, More than Money 360, at his website, www.morethanmoney360.com  or email him at shawn@mtm360.com . Make sure to schedule a free discovery meeting, here: https://www.assetsandincome.com/our-process-our-promise/ 

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 legacy, and schedule a free set of discovery meetings, here:  https://www.assetsandincome.com/our-process-our-promise/ 

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 Federal Reserve, bank depositors have more certainty that their deposits are secure–more so than in the past.Learn more about and schedule a free set of discovery meetings, here:  https://www.assetsandincome.com/our-process-our-promise/ 

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 these, check out our previous podcasts:Episode 45: Episode 45: Marshall Fire in Boulder and How All of Us Can Protect Ourselves in the Future: https://www.assetsandincome.com/podcast/marshall-fire-in-boulder-and-how-all-of-us-can-protect-ourselves-in-the-future/

Jeff 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 our podcasts on Apple Podcasts, Spotify, or wherever you get your podcasts. Also, visit the podcast website at www.expertnetworkteam.com 

Karl 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

Karl 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 to contribute to their 401k plansTax credits for starting retirement plansCatch-up contributions must go into Roth IRAs for folks who earn $145,000 or moreMultiple Employer Plans and Pooled Employer Plans are a little easier to work withEmergency savings accounts, allowing employees to get money out of their retirement plans, regardless of age529 plans can roll into Roth IRAsThe experts discuss these changes, and more, and crack a few jokes as well.

At 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, politics and more. During the podcast, we discuss the child tax credit. For 2023, the child tax credit is lower. In 2021, Congress expanded the child tax credit to $3,600 for children under six and $3,000 for children six to 18. That credit has dropped back to $2,000. The tax credit for child and dependent care has also dropped from up to $8,000 back to just over $2,100.Source: https://www.irs.gov/credits-deductions/individuals/child-tax-credit 

Employers 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?In particular, employers want to know about the legal precedent set by Coates vs. Dish Network. Everyone may be surprised that in Colorado, even though marijuana is legal, employers have a lot of power.  Learn more about Cameron's free discovery meeting here:  https://www.assetsandincome.com/our-process-our-promise/ 

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Learn more about Loren's services and get your free start up kit at https://www.businesssuccesssolution.com/package/ 

Bios for Karl Frank, CFP, Jeff Krommendyk and Nathan Merrill.Learn more about the Expert Network Team's process and free discovery meeting.

Karl 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 opportunities!

Karl 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!