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Time vs. Risk
Your 'Risk Tolerance' is a terrible metric for a financial plan. Why? Because your emotions change based on the morning news. A better metric is 'Time.' At SafeSimpleSound, we use Liability-Driven Investing (LDI) to strip the emotion out of the market. Here is the framework: * Match
Time vs. Risk
Watch On YouTube If you’ve ever sat down with a traditional financial advisor, you’ve likely filled out a 'Risk Tolerance Questionnaire.' These forms attempt to quantify your emotions to determine your portfolio mix. At SafeSimpleSound, we find this approach inadequate. Emotions change; timelines don't.
The Present vs. Future Self War
Stop starving your 'Present Self' to feed a 'Future Self' that is 30 years away. Most high-earners suffer from a specific type of anxiety: they have a high net worth, but they feel guilty spending a dime of it. They’ve over-optimized for the future and
The Present vs. Future Self War
Watch On YouTube Most financial advice is written for a person who doesn't exist yet: your Future Self. We are told to save more, defer more, and wait longer. While the power of compounding is undeniable, a plan that ignores the Present Self is fundamentally fragile. At SafeSimpleSound,