What Theodore talks about

Theodore began his career determined to become a financial planner rather than a stock picker, only to enter the profession as markets delivered three consecutive years of losses during the dot-com cr…

The financial industry often celebrates the highest returns, but for people in their fifties, sixties and beyond, avoiding a devastating loss may matter more than capturing every market gain. Theodore…

Theodore’s work is grounded in a willingness to question teachers, institutions and even his own conclusions when the evidence points elsewhere. Rather than asking clients to trust an expert unquestio…

The standard message to investors is that markets recover eventually, but “eventually” is not useful when someone is about to retire, sell a business, fund a lifestyle, or start drawing income. Theodo…

People approaching retirement are often told that a diversified plan will work as long as they stay disciplined, but that advice can fall apart if a major market crisis hits weeks or months before the…

Financial advisors, planners, and finance students are still taught Modern Portfolio Theory as the foundation of investing, despite it being built on assumptions developed decades ago. Theodore examin…

Many successful professionals and business owners do not think of themselves as wealthy, even when they have spent decades building portfolios worth millions. Theodore sees the pressure point that app…

Theodore began his career with a clear plan, a belief in the system and the confidence that following established advice would lead to good outcomes. Then came the dot-com crash, the global financial …

Investors are often told that owning a little of everything is enough to survive market volatility, yet history has repeatedly shown that diversified portfolios can still experience severe losses duri…