I started investing when I was completing my PhD dissertation on new mathematics for decision making under uncertainty, and I figured that I could apply my smarts to the stock market and clean up. Instead of cleaning up, I was nearly cleaned out. I did, however, discover something of immense value during that process: There’s a big difference between the theory of risk and the reality of risk.

Since that humbling introduction to investing, I’ve spent the last two decades building on what I learned so I can help myself and tens of thousands of other investors leverage technology and behavioral finance to make consistently better investment decisions. The definition of a better investment decision is when you make more money AND take less risk.

That brings me to today. My work helping independent investors is moving full speed ahead. And I’m more committed than ever to building next-generation financial technology and providing great education for independent-minded individuals who are committed to succeeding on their own.