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Tony Krance, MBA, CFP®, AIF®

Main Street Solution To A Wall Street Problem...

401K Plan Advisors

Green Bay


Contact Me



Advisor Services

  • Financial Planning
    • -Retirement Planning
  • Pension Consulting
    • -401k
    • -403b
    • -Defined Benefit
  • Portfolio Management
    • -Individuals and/or Small Businesses
    • -Businesses or Institutional Clients


Funds Used With Clients

There are no funds listed for this advisor at this time.

Firm Client types



No timeline events available.
Employer Years Dates
Sole Proprietor 2 years Apr 2018 - Present
AFK Solutions Provider 2 years, 4 months Dec 2017 - Present
Stryde Solutions LLC 1 year, 5 months Nov 2016 - Apr 2018
Growth Management Group 1 year, 5 months Nov 2016 - Apr 2018
KerberRose Wealth Management, LLC 5 years, 10 months Jun 2014 - Present
Kerberrose Wealth Management, LLC 5 years, 10 months Jun 2014 - Present
KerberRose Wealth Management, LLC 10 months Jun 2014 - Apr 2015
401 Plan Advisors, LLC 10 years, 6 months Oct 2009 - Present
Afk Investor Coaching 4 years, 9 months Jan 2005 - Oct 2009

Designations & Memberships

  • Accredited Investment Fiduciary
    Accredited Investment Fiduciary
    The Accredited Investment Fiduciary® (AIF®) designation represents a thorough knowledge of and ability to apply the fiduciary practices.
  • Certified Financial Planner
    Certified Financial Planner
    A standard certification for advisors, designees are exposed to nearly 100 topics on integrated financial planning. Major topics include, but not limited to: insurance, employee benefits, securities, state and federal tax, estate tax and planning, asset protection, etc.

Articles and Answers

Insights by Anthony Krance

What's The Weather Forecast??
Published 2015-07-20 10:37:51
Uncertain Equity Markets??
Published 2015-07-14 08:04:35
This Ain’t ‘Grease’!!!
Published 2015-07-06 12:39:35
To Be or Not To Be A Fiduciary!!
Published 2015-06-29 14:08:15
No Pain No Gain!!
Published 2015-06-22 14:49:27
Proper Expectations!!!
Published 2015-06-12 11:58:41
Published 2015-06-05 10:19:25
Whose Side Are The Wall Street Bullies On?
Published 2015-05-29 16:29:59
What Does ‘Control’ Mean To You?
Published 2015-05-11 14:51:39
"Diversification Is Your Buddy!"
Published 2015-05-20 07:48:11
Stop Trying To Beat The Market..
Published 2015-05-18 12:59:42
Does The Number One Pick Guarantee Anything?
Published 2015-05-04 08:38:06
Do You Believe Wall Street?
Published 2015-04-22 08:28:29
Do You Need An Investor Coach?
Published 2015-04-30 15:48:44
Do You Believe Wall Street?
Published 2015-04-21 14:20:03
Are You Investing or Speculating?
Published 2013-02-19 08:02:10
Going Broke Safely.
Published 2013-02-12 08:58:14
Inflation Sucks!!
Published 2013-01-29 12:40:42
The Graveyards are Full of Investment Gurus.
Published 2013-01-21 13:33:26
Should You Get Out of the Equity Markets?
Published 2013-01-16 08:56:31
2012 Concerns That Did NOT Happen.
Published 2013-01-08 16:15:43
Death of Equities Part 2......Really????
Published 2012-12-19 05:50:46
Markets are Random-----Get Over It!
Published 2012-12-03 11:35:00
Do You Need an Investment Policy Statement?
Published 2012-11-13 09:09:59
Are Retirement Plans Sold Backward?
Published 2012-10-30 09:20:01
Will You Be Part of the Next Bubble?
Published 2012-10-15 11:58:56
Do You Suffer From Investing Envy?
Published 2012-10-09 08:40:21
Proper Expectations or Speculation?
Published 2012-10-01 12:27:17
Whose Side is Your Broker/Agent On?
Published 2012-09-24 07:25:33
Actively Trading to Nowhere...
Published 2012-09-18 08:54:54
What is Your Investment Philosophy?
Published 2012-09-05 12:51:01
Does Anyone Have an Investor Crystal Ball??
Published 2012-08-31 07:23:55
This Time is Different!
Published 2012-08-28 08:03:38
Long Term Strategy and Discipline Wins!
Published 2012-08-21 09:58:39
Wall Street Bully Wins Again.....You Lose!!
Published 2012-08-07 11:47:03
Who Can Consistently Beat The Market?
Published 2012-07-24 09:30:20
No One Can Predict the Future....No One!
Published 2012-06-27 08:18:16
How To Take Advantage of Your 401(k)
Published 2012-06-04 14:32:20
What's Your Investment Philosophy?
Published 2012-05-26 10:39:04
Cause & Effect: Household Numbers on the Rise
Published 2012-04-30 11:07:18
Roth 401(k)s vs. Traditional 401(k)s
Published 2012-04-23 09:35:52
The Client Only Advisor.
Published 2012-04-20 09:10:56
What is a 401K?
Published 2012-04-16 08:25:11
Solutions to Your Biggest Money Problems
Published 2012-04-09 17:09:50
Does a Cash Balance Plan Work for Your Firm?
Published 2012-04-03 11:58:50
What is Hyperactive Investment Management?
Published 2012-04-02 07:04:31
Can You Beat The Market?….NO!!
Published 2012-03-29 09:57:16
What Does Your Company 401(k) Plan Look Like?
Published 2012-03-29 09:31:43
    *Articles are published by advisors without compensation.


    Ask a financial questionAsk a question
    When should I start putting money into my 401k instead of paying off student loans?
    Hi Rueben ...This is a difficult question. However, if at all possible take advantage of the employer match. Although the loan interest is 7% the match equates to a 50% return on your money. I would suggest developing a budget with the 401k and the loan repayment. Once the budget is developed the ha...  (more)
    Answered Apr 2012
    How did I get trapped into this high fee investment firm Fidelity?
    Hi Edward, The plan sponsors (employers) have a fiduciary duty to supply employees with a prudent investment lineup. Many employers do not realize that they are personally liable for any fiduciary breaches. The risk and liability to offer a plan which is open to all investments would be expensive an...  (more)
    Answered Apr 2012
    How diversified do my and my husbands portfolios need to be?
    Hi Mia...This is a great the risk of sounding redundant I would recommend consulting with an investment professional to determine what is the best course of action for your family. There are advisors who charge by the hour or assets under management. So your options are many. Only throu...  (more)
    Answered Apr 2012
    Should I convert my traditional 401k to a Roth 401k because of the new fiscal cliff deal?
    Frank, the advice given has been excellent. One added thought is you do not have to convert all your 401(k) to a Roth 401(k). Converting a portion might be a great compromise. This will give you flexibility in your income planning once retired. Remember no one can tell you what taxes will do in the ...  (more)
    Answered Jan 2013
    How does a Broker of Record compare to an Advisory/Fiduciary relationship?
    One major difference is a broker cannot serve as an ERISA 3(38) investment manager to the plan. This leaves the plan sponsor alone in accountability for fiduciary issues regarding the investments in the plan....  (more)
    Answered Mar 2012
    What is a well-balanced portfolio?
    Hi Latvina..All the answers given are good. I might add that in any portfolio used for retirement saving you should know two numbers, expected return and expected volatility. Without these two numbers you are speculating with your retirement savings. Your portfolio should be globally diversifed whic...  (more)
    Answered Apr 2012
    What are the top questions to ask a financial planner?
    Hi AriannaFirst of all congratulations in asking this question. This is the first step in developing a financial plan. I believe the most important question you can ask is, Is the advisor willing to act as a fiduciary advisor to you. This should be in writing and it will reduce or eliminate any con...  (more)
    Answered Jul 2012
    "I have set up an inherited IRA (non-spousal). Dad passed on May 2011 . I was planning on taking the RMD before December this year. However, i have sufferd loses in the IRA of about 75%. I am 58 so instead of taking RMD on the original 37,000, do I just?
    If your account balance was 25000 on December 31, 2011, 25000 divided by 27 is your RMD which must be withdrawn by December 31, 2012. This amount will be reported on your form 1040 as ordinary income....  (more)
    Answered Oct 2012
    I already have an existing loan from my 401k plan,I need cash but can I still get money out of my account?
    By regulation you can borrow up to $50,000 or 50% of your current account value which ever is less. You will need to contact your plan administrator to determine if your plan allows it. ...  (more)
    Answered Jun 2012
    How can I withdraw money from my profit sharing plan?
    Talk with your plan administrator to determine if the plan allows an in-service withdrawal. I would suggest you consult with a professional advisor to determine other alternatives. Your retirement plan is your future....  (more)
    Answered Apr 2012
    Should I have a Roth 401k and a standard 401k?
    Hi Farrah...great question. This is really a question that varies on a case by case basis. You should consult with a tax professional to determine the best situation for you. Both have benefits in that the 401k is tax deferred, while the Roth 401k allows tax free distributions. Another benefit of th...  (more)
    Answered Apr 2012
    Can a retiree contribute to an IRA if spouse is still working?
    Hi Otto...congratulations on your retirement. Unless you have earned income you cannot contribute to an IRA. Since your wife is over 50 she can contribute $17000 plus $5000 catchup for a total of $22000 to her 401(k) plan....  (more)
    Answered Apr 2012
    Is there a time frame in which I have to move my 401k?
    I totally agree with David. I would recommend working with an advisor who will accept the fiduciary standard for their advice. ...  (more)
    Answered Mar 2012
    ANy truth to the adage "Sell in May &stay away"?
    Hi WesleyI totally agree with the answers on avoiding market timing. There are really three simple rules to investing for the long term. Own equities....globally diversify....rebalance.Try to work with an advisor who shares your philosphy, because your biggest enemy will be your emotions. Good lu...  (more)
    Answered May 2012
    How does a Certified Financial Planner (CFP) compare with a Chartered Financial Analyst (CFA)?
    I agree with the previous explanations. CFP designation deals with planning your financial future. CFA designation deals with investment analysis. The CFA designation ignores for the most part the emotional decision making of most investors. ...  (more)
    Answered Jun 2015
    Are YieldCo's suitable for IRA accounts?
    This is pure speculation and does not belong in any retirement account. That said you could find a custodian to hold MLPs. Again trying to beat the market is speculating and gambling. This type of activity belongs in Las Vegas not your retirement account....  (more)
    Answered Jun 2015
    Can I make salary-deferral contributions to two employer-sponsored 401k plans?
    Hi Masonthe contribution limit is an aggregate number. For 2012 it is $17000 plus $5000 for those who turn 50 before end of year....  (more)
    Answered Apr 2012
    Can I make salary-deferral contributions to two employer-sponsored 401k plans?
    $5500 not $5000...  (more)
    Answered Apr 2012
    Do I need to have money invested in other countries to properly diversify my portfolio?
    Daniel...I agree with Richard. In that the short answer is yes. There are 3 simple rules to successful investing. Own equities and high quality short term fixed income...GLOBALLY diversify...Rebalance. This is a formula of successful investing speculating is another matter....  (more)
    Answered Jul 2015
    Want to take a loan against my 401k?
    Contact the human resources department of your employer. I recommend you be certain this is your last resort. Don't allow the current you to hurt the future you. ...  (more)
    Answered May 2015
    How can I tell if I am paying too much in fees, commissions, etc.?
    Hi Nick:An excellent resource to calculate the cost of your mutual funds is High cost funds are typically the domain of actively managed funds. I myself believe the markets are fat too efficient to use actively managed funds. This debate has raged on for years. Active vs passive. ...  (more)
    Answered Jun 2015
    How do I draw my 401k out in full?
    Do you have a hardship event? Contact your human resources director and as what their criteria for withdrawal. Before you do that contact a fiduciary adviser to determine if this is your best course of action.Tony...  (more)
    Answered Jun 2015
    I need to check my profit sharing balance?
    Contact your human resources department or the controller's office. They will be able to tell you what your balance is....  (more)
    Answered Jul 2015
    Can my employer refuse to pay out their contributions to my retirement plan even if I am fully vested in it?
    Stacy While your decision to 'cash out' your 401k is not in your best interest. You can roll over the 401k to an IRA and then cash out. There is nothing your former employer can do about this.Before you do this consult with a fiduciary adviser. They will help you protect your future self from your ...  (more)
    Answered Jul 2015
    I have a 401k thru toro/wheelhorse. Please inform as to when and how I can access this account for retirement.
    Hi All great answers. I would add that if you are separated from service and unemployed and 55 or older you can avoid the 10% penalty....  (more)
    Answered Jun 2015
    What steps would I take to borrow against my 401k plan for payback?
    I would like to add that this should be your last resort. Borrowing against your future is never a prudent path. ...  (more)
    Answered May 2015
    In case a predicted Market Crash in Oct. 2015 due to the Yaun replacing the dollar. Can I freeze my 401k till after Oct?
    No one can predict the future. Even the Wall Street bullies. They have a vested interest in keeping you trading. It generates fees for them and the broker. Instead build a prudent globally diversified portfolio at your risk level and remain disciplined. It also helps to rebalance periodically. ...  (more)
    Answered May 2015
    How can I tell if I am paying too much in fees, commissions, etc.?
    Hi Nick:An excellent resource to calculate the cost of your mutual funds is High cost funds are typically the domain of actively managed funds. I myself believe the markets are fat too efficient to use actively managed funds. This debate has raged on for years. Active vs passive. ...  (more)
    Answered Jun 2015
      *Answers are submitted by advisors without compensation.

      Licenses & Conducts

      U.S. Securities and Exchange Commission
      • license status
      • disclosures
      • as of date
        Mar 8, 2020
      • license status
        Not registered
      • disclosures
      • as of date
        Jan 2, 2015
      Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:



      Last updated on March 26, 2020
        • $39.4M
          Total Assets Under Management
        • $0
          Total Assets Under Advisement
        • 44
          number of clients
        • $895.9K
          Estimated Average Account Balance Per Client

      401K Plan Advisors

      Last updated on Jan. 28, 2020
        • N/A
          Total Assets Under Management
        • N/A
          Total Assets Under Advisement
        • N/A
        • N/A
          Estimated Average Account Balance


      Fee Only Advisor
      This advisor has certified that they are compensated soley by their clients, and do not accept commisions or compensation of any kind based on the products they recommend.

      Types of Compensation Arrangements