Perspective shaped by more than three decades.
Markets change. Economic regimes shift. Headlines compete for attention. What endures is the need for clear thinking, disciplined planning, and perspective grounded in experience.
Three decades across market cycles
For over 30 years, I have worked with individuals and families through bull markets, bear markets, inflationary periods, recessions, and moments of systemic stress.
These experiences have reinforced a simple truth: long-term success is rarely about reacting quickly, and almost always about understanding context.
Deep specialization, broad relevance
Over that same three-decade span, I have worked extensively with power company employees and retirees. This has included navigating complex benefit structures, pension decisions, rollover strategies, and retirement income planning.
That specialization sharpened my understanding of risk, tradeoffs, and long-term planning — lessons that apply well beyond any single profession.
How I think about markets and risk
I focus less on prediction and more on preparation. Markets move in cycles. Inflation alters purchasing power. Valuation changes the meaning of risk.
- Risk is not volatility alone — it is the permanent loss of purchasing power.
- Valuations matter more at the beginning of a cycle than at the end.
- Behavioral mistakes often cost more than market downturns.
- Clarity reduces the emotional pressure that leads to poor decisions.
Independence matters
As an independent advisor, my work is not driven by product incentives, institutional narratives, or quarterly sales goals. Independence allows me to focus on analysis, education, and long-term alignment with clients.
Ongoing education and communication
Each Tuesday morning, I publish a new blog post sharing perspective on markets, economic forces, and investor decision-making, followed by a personal email introduction.
This steady cadence reflects my belief that understanding is built gradually — through repetition, reflection, and thoughtful explanation.