Our Story

From Wall Street to Main Street: A Tale of Two Investors

Meet H and J—seasoned portfolio managers with a combined half-century of experience managing investments for institutions and individual clients. After decades in both public and private markets, we've uncovered an uncomfortable truth: the investment industry thrives on unnecessary complexity.

Our revelation was simple yet powerful: complexity is nothing more than a convincing con. We've watched countless advisors craft intricate asset allocations, wrapping them in the glossy packaging of "sophisticated diversification."

But here's what years of experience has taught us—a straightforward, well-structured strategy can achieve the same goals as any complex one. Even better, it requires minimal effort and just a dash of knowledge. We're convinced that with the right tools, almost anyone can do it.

Let's be clear—we're not opposed to financial planning. In fact, we strongly advocate working with professionals for crucial aspects like

• 🏖️Retirement planning

• 🎯Goal setting

• 📈Tax strategy

• 📝Estate planning

• ⚡Other specialized needs

These services offer genuine value that's worth every penny.

However, what happens next is where the system often fails you. After your financial planner crafts your strategy, you're typically handed off to an investment manager who:

• 🎭Claims your asset allocation is "customized" (it rarely is)

• 😵Drowns your portfolio in complexity (10+ positions across multiple asset classes)

• 💸Takes a hefty 1% annual fee (eating away at your returns)

• 🔄Creates unnecessary portfolio turnover

• 📊Provides complex reports that confuse more than clarify

• ⚠️Makes frequent changes that rarely add value

We believe this standard industry practice has outlived its usefulness. In today's world, simplicity isn't just preferred—it's powerful. What truly matters is having a clear, easy-to-follow strategy that you can understand and stick with through market cycles.

Our mission is to share the insights we've gained from our decades on the front lines of investment management. We're here to show you how to take control of your investment future with structured, low-effort approaches that cut through the complexity. Think of us as your guides, sharing the investment wisdom we wish someone had shared with us when we started our careers.