What we do
One method, carried by your advisors, felt by your clients.
We Train the Advisors. We Sit With the Families. We Walk It With Them.
Advisors learn the 9:03 method and live it first. Families name what the money is for. Clients spend their most valuable currency, time, on purpose.
For advisors and firms
The Next Alpha.
Every edge advisors have been paid for became commoditized. Picking the funds. Building the allocation. Writing the plan. Each one was a differentiator, then everyone had it. The next alpha is not in the portfolio. It is the question underneath all of them: what is the money for. The advisors who can ask it, and hold the conversation that follows, are the edge software cannot copy. The paper and four questions are here.
We believe
A life is written, not completed.
At 9:03 AM on September 11, 2001, I was in a stairwell of the South Tower. The clock started that morning. It never stopped.
That is where this work comes from. Not a theory of time. A morning that made it finite and personal. I spent the next 25 years learning how, across what we call the Four Pillars.
That morning gave me the why. Twenty years inside wealth management gave me the how. I spent fifteen of them at Vanguard, working with firms on client relationships worth more than $100 billion. I know what advisors are up against, and where the plan stops answering the questions clients actually ask.
Four Pillars. One Currency.
1
Physical – Move. Fuel. Recover.
2
Mental – Connection. Emotion. Presence.
3
Financial – Time. Real Wealth. North Star.
4
Spiritual – Awareness. Authorship. Transcendence.
One collective, four ways in
Where do you want to start?
For firms & advisors
The 9:03 Work
Consulting, advisor coaching, Family Purpose work, and experiences for wealth management firms and the families they serve.
See the work →For firms · Content
Insights and Tools
Essays, guides, newsletters, and interactive client tools on what the money is for. Written by me, carried under your firm’s name. Try the free ones first.
New here
Explore the Experiences
A few short pieces you can click through. Each one previews a talk, workshop, or experience we deliver in person.
Take a look →Referred by an advisor
Private Coaching
One-on-one coaching and Family Purpose work for the clients a firm introduces, and a few people who find us on their own.
Straight answers
Questions firms ask.
Who does The 9:03 Collective work with?
Wealth management firms, their advisor teams, and the families they serve. Most work starts with a firm. Some families come to me directly or by advisor referral.
What does The 9:03 Collective do?
Advisor coaching on the purpose conversation, family purpose work, content and client tools under your firm’s name, and in-person experiences like retreats and misogis.
What is family purpose work?
The 9:03 version of family governance. Before charters and councils, a family names what it believes, what each person wants, and what the money should make possible.
How is this different from financial planning?
The plan answers how much. This work answers what for. None of it is investment advice, and the advisor stays at the center of the relationship.
What is the 9:03 Clock?
A free read of where your time goes across the Four Pillars: physical, mental, financial, and spiritual. Every engagement starts there.
How long does an engagement last?
Six months minimum, then we work forward from there.
Where are you based?
I’m based in Northeast Ohio and work with firms and families across the country, in person and by video.