In a world of information overload, a pertinent question is, “Where can I get good, ‘non conflicted’ advice?” For without clear confidence in appropriate expertise the investor is rudder less in the tempest of markets. There is a capital market rate of return to be achieved but the noise generated by market participants and the sales culture that surrounds this multi-billion-dollar industry obscures and confuses the evidence of how this return can be obtained.

This problem is further magnified by considering that human beings are a bundle of inconsistencies, all with our own values, biases, and understandings of how the world works. We are not robots that make strictly rational decisions based on complex models and spreadsheets. We are human, entirely fallible and each with a unique lived experience that shapes the rationale for how we make decisions. Even the best of us are susceptible to base emotions of fear and greed which have the propensity to cloud our judgement and play havoc with our wealth.