You’ve worked hard for your money. now make your money work for you. harder.

If you are like most hard-working people — self-employed professionals, business owners or employees — the engine that makes the American economy run, you are likely on your own for your long term financial future — your kids’ education, your own retirement, and for leaving a legacy behind.

However, just within the past couple of decades, you probably saw your 401(k), IRA, 529, and other typical investment accounts collapse by 50-60% on two occasions, first during the dotcom boom to dotgone bust, and more recently with The Great Recession of 2008. This, only to then witness the S&P 500 index rise over 300% from the 2009 lows, to all-time highs (and climbing) as of this writing around July 2019, possibly without you.

The lost decade of the 2000s, and the fallacy of 8-10% “average historic S&P 500 returns”

Just as businesses, and your own household needs adequate CASHFLOW to pay its bills, we believe your investments need the right cashflow and protection strategies in addition to the typical buy-and-hold growth-only strategies to help you achieve your financial goals. As 2000 and 2008 have shown us, and the next downturn, whenever it may eventually happen will reiterate, mere hope is not a strategy.

don’t let your buy and hold strategy unintentionally turn into a buy and hope strategy…

Change your strategy and make your money work harder for you. Read on to find out how…

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Why Us?

put cashflow and time on your side

Markets may go up. Down. Sideways. Sometimes in a heartbeat. Yet time always only ticks on, never to return. We put this always forward momentum of time on your side to make your investments generate ongoing income – like writing your own dividends. Evolve your wealth management strategy to cashflow-focused vs “unintentional buy-and-hope”.

When you own a rental investment property, you don’t keep it locked up and just “hope” its value increases over time. You rent it and generate income, and of course, enjoy growth as well over time if things go as planned. Did you know you could generate “rent” from your IRA, brokerage account, and in some cases, your 401(k) investments too? Contact us now and make your money work for you. Harder.

protect and grow your investments with tools hedge funds use

Everything we do is to help long-term investors meet long-term goals in a way the industry hasn’t. We refuse to accept that large losses and multi-year recoveries are necessary consequences of long-term investing. Diversification alone is not enough. 2008 proved it. Investors need, and deserve, a better way to solve the investment challenges of today and tomorrow. Did you know you could protect your investments against dropping in value, with tools used by hedge funds? Contact us now to protect your assets from being hit by another 2008.

be intentional with your investing

A lot of our competition has not evolved beyond some flavor of a very limited “diversified model portfolio allocation” (60/40 or 50/50 stocks and bonds etc.), and passive periodic re-balancing approach to manage your investments, while charging comparable or even higher fees. While this may have worked for some in the past, we think today’s financial markets have evolved dramatically with the advent of algorithmic and high frequency trading, and relying purely on this legacy approach is inadequate.

We on the other hand are merely just getting started where our competition stops, and specialize in developing income, growth and protection strategies for your diversified portfolio.

eliminate hidden fees and commissions

Another large part of our competition is merely glorified salespeople working for large institutions, getting paid huge commissions for sticking you with products from the companies they work for – which may not even be suitable for your needs.

We on the other hand are fiercely and proudly independent, do not sell you any fancy financial products for a commission or get paid by anyone else. Your portfolio allocation is individually designed, monitored daily, and adjusted as often as necessary. As a fiduciary, your interests are ALWAYS 100% ahead of ours, and the only way we can be successful, is by helping you succeed!

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We offer personalized wealth management services tailored to meet your specific needs and investment objectives.

We specialize in growth, income, and protection strategies to help your investments generate ongoing cashflow, to augment the longer term growth aspect. We may also utilize situational protection strategies deployed during times of distress to help protect your capital.

These strategies are designed to help you put time on your side, and generate realized returns along the way, which may be further reinvested to compound your overall returns, utilized as an additional income source to support your lifestyle depending on your life stage, and reduce your overall portfolio risk, rather than relying solely on the capital appreciation of your portfolio.

Upon being retained for our Wealth Management Services, we will –

1. Meet with you to determine your investment objectives, risk tolerance, and other relevant information at the beginning of our advisory relationship.

2. Develop a personalized strategy providing ongoing and focused investment advice and/or make investments on your behalf.

3. Construct a customized investment portfolio for you according to your risk tolerance and investing objectives – targeted at generating capital appreciation and / or cashflow within your portfolio

4. Monitor your portfolio’s performance on an ongoing basis – rebalancing the portfolio as required by changes in market conditions and in your financial circumstances.


We also offer both one-time and ongoing or project-based investment planning and consulting services, depending on your specific individual needs and circumstances. Services may include but are not limited to a thorough review of all applicable topics including Investments, Qualified Plans, Retirement Income, and College Planning among others.
Additional services such as educational seminars, workshops, coaching, and training etc. are also offered and treated as consulting services, with the scope and deliverables for these services determined at the beginning of the engagement.

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Contact Us

A Distinct Philosophy – Conceived by an Investor, For Investors

You’ve worked hard to establish yourself and get to where you are. You’re not about to let just anyone touch your money. We get it. That’s why you can rest assured that we, too, have trained hard in our practice. This is not our first rodeo. We put skin in the game and walk our talk. Which means we don’t advise you to do anything we wouldn’t do ourselves.

Let’s get started and make your money work harder for you.

Call us, or send us an email now to schedule your complimentary initial consultation session. We look forward to working with you.


E: | T: +1.404.480.0051

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What is your expected rate of return?

We get this question a lot and understand you want to know the bottom-line! The truth is there is no “one size fits all” answer, as the strategies employed depend on your individual financial situation, time horizon, and goals etc., and the market conditions constantly keep changing. However, we believe strongly in generating cashflow from your investments, and reinvesting these to the extent suitable for your portfolio, to compound your overall returns and minimize overall risk. Let’s discuss and understand your specific details better, for us to design suitable strategies that might best fit your specific situations.

how do i monitor my investments?

Each account is managed separately, and is held directly in the client’s name at TD Ameritrade Institutional (the custodian), one of the most widely used third party custodians in the US. You have full visibility into your account, all investments, and transactions etc. at all times. The custodian also sends you monthly statements, outlining all account activity during the period. Additionally, we periodically review with you the account performance on at least a quarterly basis, and more frequently, as necessary.

who do you work for and how are you compensated?

We are fiercely and proudly 100% independent, and do not even attempt to sell you any fancy financial products for a commission or get paid by anyone elseYour portfolio allocation is designed to suit your needs, monitored daily, and adjusted as often as necessary.

As your fiduciary, fee-only advisor, we ALWAYS put your interests ahead of ours. The only way we can be successful, is by helping you succeed!

how are you different from other fee-only advisors?

Most fee-only advisors tend to only rely on some flavor of a very limited “diversified model portfolio allocation” (60/40 or 50/50 stocks and bonds etc.), and passive periodic re-balancing approach to manage your investments, while charging an average of 1-2% of assets under management (AUM). In a lot of cases, the ongoing heavy-lifting of investment management is even outsourced to other sub-advisors, resulting in your advisor potentially being primarily focused on signing new clients and repeating the cycle, rather than generating ongoing value for you.

We specialize in growth, income, and protection strategies and strive to put cashflow and time on your side, to augment the longer term growth aspect, going way beyond the model portfolio allocation of yesteryear. We may also utilize situational protection strategies deployed during times of market distress to help protect your capital.

Finally, we walk our talk, which means we don’t advise you to do anything we’re not doing.

how are “fee-only” and “fee-based” advisors different?

Fee-only advisors are compensated only by the fees they directly charge to clients and not by commissions earned from a sale of a financial product. One of the major benefits of working with a fee-only advisor is that they have no inherent conflicts of interest and they generally provide more comprehensive advice.  Typically, fee-only advisors conduct their business under a “fiduciary duty,” which means by law, they must have their clients’ best interest at heart.

Fee-based or “fee and commission” advisors are generally compensated by both fees for advice and commissions on the sale of financial products that may be used to implement their advice. Many commission-based investment advisors (including full-service brokers) work for major firms. But these advisors are employed by their firms only nominally with a majority of their income derived from the clients they can bring in. They receive little or no base salary from the brokerage or financial services company, though the firm may provide research, facilities, and other forms of operational support. To receive this support from the investment firm, advisors must transfer a certain portion of their earnings to the firm, earned through commission-based sales.

The problem with this method of compensation is that it rewards advisors for engaging their client in active trading, even if this investing style isn’t suitable for that client. Furthermore, to increase their commissions, some brokers practice churning, the unethical practice of excessively buying and selling securities in a client’s account. Churning keeps a portfolio constantly in flux, with the primary purpose of lining the advisor’s pockets.

Most fee-based advisors hold licenses that allow them to sell investment products or insurance for a commission.  Fee-based advisors generally do not have a “duty to disclose” their method of compensation and this can confuse clients who may not understand their fee-based advisors are working for commissions.  This potential for confusion is why it is important to understand how your advisor is compensated.

There is an inherent “moral hazard” with commission-based advisors.  A moral hazard is a situation where a party has a tendency toward being more willing to take a risk, knowing that the potential costs or burdens of taking the risk will be borne, in whole or in part, by others. Basically, anytime someone is paid on a performance basis, there is going to be a natural motivation to sell products that pay out the highest commissions.

more questions?

Call or email us with your questions and see how we may be able to help?