Kristian F. Frank,  CFP<sup>&reg;</sup> - Financial Advisor

Kristian F. Frank, CFP®


Sr. Financial Advisor

Merrill Lynch

1108 Kennebec Drive
Chambersburg, PA 17201
(888) 622-8790
(717) 262-4220
  • linkedin link


Kristian Frank is a CERTIFIED FINANCIAL PLANNER™ professional and member of the Financial Planning Association. Serving clients at Merrill Lynch in Chambersburg, PA and the surrounding communities.

Financial Advisor Overview

As the son of hard working middle class Americans, Kristian’s passion lies in helping his clients be better stewards of all they have been blessed with. Wealth is a blessing and it carries responsibility with it. Consider the challenges facing families today: taxes; market, geopolitical and economic risks; inflation; health care costs; retirement income planning and so much more. The old ways of managing wealth may not be the best solutions for the 21st century. Kris works with his clients to develop a new way to think about their assets, lifestyle and dreams – from what drives their goals, to what should be done today to make a powerful impact in their lives and their family’s lives tomorrow. Many of Kris’s clients enjoy the benefits of living in a small country town, but they look to Kris to help them create sophisticated strategies for every stage of their financial lives.  At the heart of Kris’s philosophy is a passion to build enduring relationships with his clients through trust, outstanding service and superior knowledge and guidance. Kris always takes the time to listen to and review his client’s financial situations, goals and dreams and works with his clients to develop a holistic wealth management strategy. He believes that this proactive approach helps him anticipate his client’s financial needs and be better prepared to balance risk and reward solutions based on each client’s individual needs. His goal is to always exceed your expectations with exceptional service and personalized attention. 


Financial Advisor Experience

Kristian graduated in 1996 from Grove City College with a B.S. in Accounting and Political Science, where he played rugby, worked with the college radio station, and conducted Bible studies at George Junior, a local juvenile detention center. After Grove City College he attended Gettysburg Theological Seminary for three years where he learned about theology and more importantly how to think critically and independently. When he left theological school he joined the financial services industry with Smith Barney in March of 2000. In 2006 he joined Merrill Lynch.  Kris brings the knowledge he learned as a CERTIFIED FINANCIAL PLANNER™ certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc. as well as the Chartered Retirement PlanningSM program to focus on developing strategies and recommendations for individuals and their families to help them meet their financial and retirement goals. Kris strives to stay on top of new ideas, innovative approaches and important industry trends to enable him to prepare for events that might affect your financial situation.

Financial Advisor Certifications

Securities Registrations or Exam Qualifications

7, 63, 65, 66

Designations & Certifications


Insurance Licenses

  • Life insurance
  • Health/disability insurance
  • Fixed annuities
  • Variable annuities

Broker-Dealer Affiliation

Merrill Lynch/Bank of America

Broker-Dealer Disclaimer

Kristian Frank is registered to do business in:AL, CA, CO, FL, MA, MD, ME, MN, NC, NH, NJ, OH, OK, PA, SC, VA, WI, WV

Financial Advisor's Specialties

Comprehensive Financial Planning, 401(k)/403(b)/IRAs, Buying a Home, Annuities, Banking, Charitable & Planned Giving, Asset Allocation, Corporate Finance, Estate Planning, Investment Management, Limited Partnerships, Getting Divorced, Employee Benefits, Mutual Funds, Irregular Income, Insurance, Real Estate, Retirement, Stocks & Bonds, Life Planning, Long-term Care, Tangible Assets, Succession Planning, Sudden Wealth, Special Needs


Helpful Financial Planning Resources