Four Pillar Friday
Short reflections on Physical, Mental, Financial, and Spiritual — and the one currency underneath them all: your time. Two or three times a week, including Four Pillar Friday.
Every essay, going back to the beginning — free on Substack.
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Field notes and frameworks.
Free downloads you'll actually use. Start with the one that meets you where you are.
Paper · The framework
The Four Pillars and 12 Holdings
Time is the currency. These are the twelve places it goes. Why Financial is third on the list, why a holding drifts like a portfolio, and for each of the twelve: a story, the research, and one question to take with you.
Download the paper ↓White paper · For advisors & firms
The Next Alpha
Where advisory value migrates when the plan becomes a commodity. The industry’s own research — Vanguard, Morningstar, Cerulli, McKinsey — and the science of what money is actually for. Written by a 25-year finance veteran — 15 of them at Vanguard.
Download the paper ↓What we believe · The operating principles
The 9:03 Ethos
Six things I believe about how a life actually gets built — from why time is the only currency you can’t earn back, to why nobody is moved by what you say about your life, only by how you live it.
Read the ethos →Curious what I'm actually doing? Here it is.
My real training plan right now — the miles, the reps, the 5 a.m. alarms, zero polish. Steal it, judge it, or just take it as proof I practice what I preach.
See (or steal) my training plan ›