Our Story

I had an epitome when I was forty. After seriously investing for about ten years, I looked at my portfolio and asked the question, “How am I doing compared to the S&P 500?” My portfolio at the time was in mutual funds. (ETFs were not created until the early 90s.)  I was in an actively managed mutual fund characterized as “conservative” with great returns.

To my amazement, my portfolio had done only half of what the S&P had done during the same decade. Mine had an annualized return of 8%, while the S&P did 16%. 

“How could this be?” I asked, referring to the best advice I had received from the large American investing firms.  

“Could I trust them?”  My answer was obvious, “No, I could not trust them!”  I had to test everything that they said.  I found much of what they said had no relevance to effective investing.  A lot of what they said was designed to confuse, facilitate fear, and “to sound intelligent.”  

From that day forward, I tested everything.  If they said that my “fear tolerance” was something to consider. I tested it with historical facts.  If they said that a “balanced portfolio of small and large cap with bonds was necessary, “ I tested it.  I came to realize that they were speaking “market speak” rather than factual speak.  

I started this company because I wanted to educate people on how to invest smartly to get the maximum return on their investments and to have confidence in what they are doing.  I want people to avoid high fees for worthless or nearly worthless advice.  I want people not to be scammed by large corporations that look out for their own interests in spite of being called a “fiduciary ( a person who acts on behalf of others and is legally bound to act in their best interests.)