At Smart Path Wealth Management, we strive to be better.
When it comes to investment returns, there’s a long-standing myth in academia and that investors cannot be better than average. This has led to the rise of index funds and Robo-advisors, or algorithm-driven portfolios.
This passive investing approach is great for most as it focuses on the key tenants of investing success: long-term investing, diversification, tax efficiency, and low fees. However, the passive strategy misses out on something bigger – game-changing returns.
For example, a total market Vanguard fund contains over 3,600 stocks. Add in an international index fund and that total is closer to 10,000. Investing in the total market will get you market returns but you won’t be able to take advantage of 3 year returns of 400%+ with Netflix or 300%+ with Amazon. Even non-technology companies like Ross Stores has returned nearly 1000% over the past decade.
Contrary to widespread belief that investors cannot find the top companies of the future, we believe you can. While most advisors hold over 10,000 stocks in a variety of funds for their clients, at Smart Path, we limit our holdings to the best businesses of the future. Similar to passive portfolios, we still invest for the long-term, diversify globally, look for tax efficiency, and minimize fees.
We also strive to beat the market.
Helping you achieve your goals is our first priority. Crushing them is a close second.
We aim to buy great businesses that will continue to be great going forward. Traits we look for in a business are:
– Strong management teams with incentives aligned with shareholders
– Financial strength
– Product and/or service in a growing market
– Competitive advantage that is difficult to duplicate
Our ideal sell strategy is simple — don’t sell. However, there are times when its best to move on.
– Original investment thesis is permanently broken
– There’s a better opportunity elsewhere
– Valuation has gotten out of control
– You need the money
Our investing strategy isn’t for everybody. An ideal client possesses the following traits:
– Aggressive investor with a strong stomach for volatility
– 5+ year investment time horizon
– A good sense of humor. We take investing seriously. Not ourselves.
Comprehensive financial planning
Comprehensive financial planning involves working with me on an on-going basis. We will begin by establishing your goals and values around money. From there, we will determine and evaluate your net worth, cash flow, insurance, and tax situation. A report will be created, detailing a financial plan designed to achieve your stated financial goals and objectives. Your plan will be monitored throughout the year to make sure you are on track.
We provide continuous advice to a client regarding the investment of client funds based on the individual needs of the client. Through personal discussions in which goals and objectives are established, we develop a client’s personal investment policy. We then create and manage a portfolio based on that policy. During our data gathering process, we determine the client’s individual objectives, time horizons, risk tolerance, tax situation, liquidity needs, and any unique circumstances.
|Total Portfolio Value||Annual Fee|
|Up to $2 million||0.9% of assets under management|
|$2,000,001 and over||0.6% of assets under management|
Quick Start Program
This session is for you if you just need one or a few of your personal finance questions answered. The Quick Start Program is ideal if you need to make sure you have enough insurance, need an analysis of your retirement plan, ensuring you are saving enough for college, or want to make maximize your employee benefits.
Just ask me about one or two of your most pressing questions and we will come up with an action plan to make sure you are making a smart financial decision.
COST: Begins at $350
Tax Planning Strategies
Cash Flow & Debt Management
Employee Benefits Optimization
Smart Path’s Mission:
Unbiased, trustworthy advice.
Long lasting relationships.
After being a small business owner and then transitioning to work for a few Bay Area technology companies, I decided to leave a promising career counting and analyzing beans.
I long dreamed of helping people make smart investment decisions with their money. My initial plan was to find employment with a company who shared my vision. There was one problem. That company didn’t exist.
Left with a choice of selling my soul and working for a greedy hedge-fund or going back to the corporate world, I decided to do something different — open the doors to Smart Path Wealth Management.
My educational background includes a Master of Science degree in Financial Analysis and Investment Management from Saint Mary’s College of California in Moraga. As a CFA® charterholder, clients can expect to work with an ethical advisor who puts clients first and exhibits strong investment expertise. I have also written numerous articles for The Motley Fool, a company with a shared vision to Educate, Amuse, and Enrich.
As for my personal life, I live in Dublin with my beautiful wife and two, always happy and never annoying children, Kavan (5) and Zareena (3). Weekends typically involve hiking, birthday parties, sports, or game boards.