Author
Founder who built and exited an eCommerce brand and a SaaS. Runs a leveraged, multi-strategy portfolio as a one-man family office, and builds Incomestead.
Advisor minimums like $250k or $1M are about advisor economics, not your risk. The real test is whether you run a written, enforced operating model.
Aug 2026Leaving your advisor was the easy part. Here's the honest inventory of what he did, what you replaced, and the one job nobody replaces by accident.
Aug 2026One Friday my gut screamed sell and the rule said wait. Months later my gut said nothing and the rule said act now. Here is what actually changed.
Aug 2026Your statement shows what you own. It cannot show the rule you were about to apply — or whether this was the week you had decided to act.
Aug 2026Both routes ask for the same $500 a month. Only one of them makes stopping expensive. That asymmetry decides more outcomes than the return assumption does.
Aug 2026Buy and die are automatic. Borrow is the only leg you operate — and the only leg you operate that can end the strategy early. Here is the test that decides it.
Aug 2026Everyone wants the year. On one book, five defensible sets of assumptions give year 5, year 8, year 16, year 25 — and never. The spread is the honest answer.
Aug 2026Borrowing against your portfolio takes thirty seconds. Underwriting it is the part that gets skipped. Here are the five questions a credit committee would ask.
Aug 2026A brokerage statement records the transaction. It cannot record the rule. Here is how to document investment decisions so the answer survives five years.
Jul 2026A dashboard reports. An instrument gates. One identical week of data, shown two ways — and the two-week persistence rule that decides whether anything happens.
Jul 2026Yes, you could build it in a spreadsheet — I did. The cost isn't capability. It's that one book gives three answers and nothing pins down which one is yours.
Jul 2026The danger isn't the week you panic and check — it's the two quiet weeks you didn't. Why governance is a cadence, not a mood, and a 15-minute review to run now.