About Josh
Hi, I'm Josh.
30 years in finance. And I still had to figure out how to manage my own money the hard way. Lots of mistakes. A lot of learning. Eventually, a simple system that actually worked.
My Early Years
Finance degree.
Good salary.
No idea what I was doing.
I graduated from Cornell in 1998 with a finance degree and moved to New York for an investment banking job. I was making decent money but had absolutely no concept of what to do with it.
So I made some mistakes and credit card debt started piling up. A couple years later, I moved to LA, got into private equity, then went back for my MBA at UCLA and added more student loans. And through all of it, nobody ever taught me how to handle my own money.
So I did what most of us do. Chased stock tips. Googled advice. Bought whatever mutual funds had the best rating. It felt more like gambling than investing. And the fees were brutal, especially when the returns weren't even that good.
The Wake-Up Call
The 2008 recession hit us hard.
But that was our turning point.
In 2006, life started moving fast. Got married. Income was up, so we bought a house to match it. Without a budget, safety net or actual plan. Then the financial crisis hit.
Our daughter was born right in the middle of it. My income dropped hard, the market crashed, and because we weren't prepared, we lost our home. Honestly, it really sucked.
But here's what hit me: this wasn't about how much I was making. And it wasn't about being dumb — I'd spent years studying finance. I just never had a real system. That's when I finally built one.
The Rebuild
We kept it simple.
And it actually worked.
Low-cost index funds. Clear buckets for different goals. A plan that was simple enough that I could actually stick to it. And understand it without needing someone to explain it to me every quarter.
Our net worth grew to more than 10x what it was at our lowest point. My son was born in 2011. We moved to Colorado in 2013. Life started feeling different.
Eventually I walked away from a career that looked great on paper, but didn't feel like freedom. Now I can take time in the middle of the day just to be with my wife. We travel. I'm at my kids' activities, concerts, sports events. I'm not somewhere else in my head worrying about money. That's what Living Freely means to me. It's not a number in a bank account. It's having control over your own time.
Why I Do This
You don't need an advisor.
You need a real plan.
There's a gap in the financial world. Either you hand your money to an advisor who charges 1% forever and makes it feel way more complicated than it needs to be. Or you're stuck piecing together generic advice from the internet that wasn't written for someone in your situation.
High earners aren't short on income. They're short on a simple system they can trust. And you can't just plug a high earner into some cookie-cutter formula and call it a plan.
That's why I built The Simple Investing Method™. It's exactly what I wish someone had handed me back in 1998, before I had to figure it all out the hard way.
Three decades of
real world finance.
The same institutions that train Wall Street analysts trained me. The mistakes I made with my own money taught me everything else.
Why I do this
A coach in your corner.
Nothing to sell.
I do not manage your money. I do not take commissions. I do not sell products. I teach you the system I built for myself after 30 years of watching the industry profit off confusion.
When you finish coaching, you walk away owning the knowledge. Not renting it from someone with a fee meter running. So you can focus on living your life freely while your money does the heavy lifting.
If that's what you've been missing,
we should talk.
Free 60 minute strategy call. No pressure. Just an opportunity to chat.
Book your call