Build the post-exit life you actually want.

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Black-and-white image of bank statements with circled transactions, a pen, a coffee cup, and ski goggles on a kitchen table.

I know our net worth, but not what our life costs

I spent years trying to get the portfolio right without knowing how much we were spending.

Black-and-white image of two parallel stone paths with the same stones in different orders; the heavy-stone-first path is cracked while the lighter-stone-first path remains smooth.

Sequence of returns risk

Once a portfolio is funding life, the order of returns can matter as much as the returns themselves.

Black-and-white still life of balanced geometric objects on a desk beside a notebook, with mountains visible through a window.

Why I built a risk parity portfolio after selling my business

The standard answer protected the money but not the life the exit was supposed to make possible.

Black-and-white still life of a rough circular stone mosaic divided into unequal natural slices, with each slice carrying a similar dark stone for risk.

Risk parity

Risk parity asks whether a portfolio is balanced by the risks it carries, not just by the dollars it holds.