22 years of asking the right questions.
I came into financial services curious about markets and businesses. Over two decades that curiosity deepened — through equity research, portfolio construction, financial planning, and working closely with families across every stage of their financial lives.
Along the way I realised that good advice is not just about knowledge. It is about having no reason to be wrong. That led me to fee-only advisory — where the only thing I am paid for is thinking clearly on your behalf.
The CFA and CFP are the credentials. The two decades are the education.
The industry has an incentive problem. I chose not to have one.
When an adviser earns from recommending a product, the recommendation is never fully clean. Not because advisers are dishonest — but because incentives shape judgment in ways even the most careful person cannot always see.
Fee-only means my clients pay me, and only my clients. No commissions, no trail, no conflict. It is a simpler model. It is also the only honest one.
Most investors are more capable than they think.
After years of advisory work, I kept seeing the same pattern: intelligent people making poor financial decisions not because they lacked ability, but because no one had given them a clear framework.
That is what the research and education work is for. The RA subscription gives serious investors access to the same quality of analysis I use in my own work. The courses give anyone a foundation they can actually build on.
Free content — YouTube, Substack, Twitter — is where I think out loud. No paywall, no agenda. Just ideas worth sharing.
There is more to a long-term view than markets.
I think seriously about contemplative practice, long-term thinking, and what it means to make good decisions under uncertainty — questions that turn out to be as relevant in investing as anywhere else.
The life-stage framework I use with clients — Accumulation, Transition, Distribution, Legacy — reflects that broader view. Money is not the end. It is what makes the end possible.