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When you’re considering enlisting the services of a wealth advisor you should satisfy yourself that both the person and firm overseeing your life’s work is ethical and competent, and that the location of your assets is secure.
If you work with me your assets will be held (custodied) at either Fidelity or Schwab. You may already have accounts at those institutions in which case you won’t even have to move them.
As a firm managing over $100 million for clients, Capital Endurance Group is regulated by the SEC as an Independent Registered Investment Advisor. We are fiduciary advisors, which means we always place the interests of our clients above all else.
You can locate our firm and me in the SEC database.
Also review our annual regulatory disclosure called Form CRS (includes Form ADV Part II).
My minimum client account size is $2,000,000 of investable assets. However, I will sometimes work with clients below that level.
… Check Me Out
The following are my professional designations:
CERTIFIED FINANCIAL PLANNERTM (CFP®)
Chartered Financial Analyst (CFA®)
Why Affluent Families Choose to Plan Ahead
Most people come to me when they can no longer ignore three forces shaping their financial lives: complexity, scale, and uncertainty.
In our thirties, financial decisions are often relatively straightforward. We are building careers, saving consistently, and accumulating assets. The consequences of a mistake can usually be corrected over time.
But as wealth grows, financial mistakes become more expensive.
By the time many of my clients reach their late forties, fifties, or sixties, their financial lives have become considerably more complex. Compensation may include stock options, restricted stock, deferred compensation plans, or business ownership interests. They may have experienced a significant liquidity event, received an inheritance, or begun helping aging parents and adult children financially.
At the same time, the scale of their wealth has changed.
What may have once been a few hundred thousand dollars spread across retirement accounts has grown into a portfolio that represents decades of work, sacrifice, and success. The decisions surrounding that wealth now carry far greater consequences.
Then there is uncertainty.
Earlier in life, uncertainty often revolved around career choices and future opportunities. As retirement approaches, the questions become more consequential. Am I invested appropriately? When can I retire? Will my assets support the life I envision? How much risk should I be taking? Am I overlooking something important?
For many successful people, these questions create a low-grade anxiety that is easy to ignore but difficult to eliminate.
Deep down, they know that letting important decisions drift carries a cost. Sometimes that cost appears as unnecessary taxes. Sometimes it appears as excessive risk, missed opportunities, or simply years of uncertainty that could have been avoided.
Why I Typically Work With Clients Before Retirement
Many of my clients seek advice before they retire.
The reason is simple: many of the most valuable planning opportunities require time.
Investment decisions, tax strategies, retirement income planning, and major financial transitions often produce the greatest benefit when addressed years before retirement rather than months before it. Once certain decisions are made—or certain years pass—the opportunity to improve outcomes may be significantly reduced.
Successful people understand this principle in every other area of life.
They understand the value of expertise. They understand the value of delegation. And they understand that important outcomes are rarely the result of last-minute planning.
Retirement is no different.
In fact, outside of healthcare, I can think of few areas where the quality of advice has a greater impact on a person’s future quality of life.
What I Do
My role extends well beyond managing investments.
I help clients simplify financial complexity, make informed decisions, and develop a clear plan for the years ahead.
That includes coordinating the many moving pieces that influence retirement success: investments, taxes, retirement income, risk management, major life transitions, and long-term financial goals.
My objective is not simply to help clients accumulate wealth. It is to help them use that wealth intelligently so they can approach retirement with greater confidence and fewer unanswered questions.
The Cost of Waiting
The decision to seek advice is different for everyone.
Sometimes it begins with the realization that important financial matters may be falling through the cracks.
Sometimes it is frustration with investment results that have not matched expectations.
Sometimes it is the fear that a market downturn could significantly alter retirement plans.
And sometimes it is simply the recognition that retirement is no longer a distant concept—it is becoming real.
Whatever prompts the conversation, the underlying issue is usually the same: uncertainty about whether the current path leads where they want to go.
The sooner that uncertainty is addressed, the more options are typically available.
Taking Action
I understand that retirement planning is not most people’s idea of an exciting topic.
For many, it ranks somewhere between tax preparation and reading insurance policies.
But it is also one of the few areas of life where a handful of important decisions can influence decades of future outcomes.
Ultimately, this is not just about money.
It is about whether you can spend your retirement years doing the things you value most. It is about reducing financial anxiety, avoiding preventable mistakes, and having confidence that your resources are aligned with your goals.
My aim is to help clients achieve exactly that while freeing them from much of the complexity and work required to get there.
7 Ways I’m Different From Other Advisors
- Outcome Over Product: at Capital Endurance Group we focus on the outcome you want, and not product. We assemble the best combination of products that we can find in pursuit of the life you want.
- Fee-only Fiduciary: we are a fee-only fiduciary advisor firm. We receive revenue only from our clients, and nobody else. We don’t charge clients commissions or receive payments from product vendors. That means I’m always in your corner, searching for the very best solution on your behalf. To me that seems like the ONLY way it should be done, but unfortunately it isn’t.
- 50 Max: as a Capital Endurance Group advisor, I am limited to a maximum of 50 clients so that each relationship receives the level of service it deserves. We consider quarterly meetings a minimum standard for clients, unlike many other firms, who incentivize advisors to just keep adding ever more clients – all at the expense of service.
- What Works: I focus on what works in investing, while screening out everything that doesn’t work. We rely on the decades of investment research out there, as well as best practices, to guide our work for you. We don’t try to predict the future, invest on hunches, or pretend we can outperform the market indexes with our own stock picks. Be very careful before you entrust your life’s savings to anyone claiming to be a stock picker.
- Education Focus: I focus on educating clients about their options. And I also try to help non-clients understand what some of the risks and opportunities are in the financial planning space. You’ll see some of that on the Learn page of my website.
- It’s My Work: I do the work for my clients myself. I don’t farm the work out to junior employees in the back office for a cookie cutter solution. My impression of the industry generally is that this hands-on approach is very unusual until a client becomes very large.
- Seasoned Investor: and finally, prior to my work as a wealth management advisor I worked on Wall Street for 15 years in money management and investment research roles. I’ve seen how the game is played by the big institutions and how to survive the financial jungle out there. Most other advisors you’ll come across grew up in more of a sales role. I’ll leave you to decide which you’d prefer.
If all of that sounds good to you, I encourage you to set up a call with me via my Contact page.
Education
Columbia Business School
MBA (Finance)
University of Auckland (New Zealand)
Dual Degree: BCom (Economics), BA (History)
Postgraduate Diploma in Commerce (Econometrics)
Professional Designations
CFP® – Certified Financial Planner
CFA® – Certified Financial Analyst
CA – Chartered Accountant (Chartered Accountants of Australia & New Zealand