Upgraging The Theory

the 4% Rule

Every is Wrong

Broken Plans

The need the update

Fixing The Flaw in The Investment Management Model

The First Mistake - Stationarity

The second Mistake - Investment Math is Asymmetrical

An Alpha Matrix Incorporates Human intelligence in the form of common sense, advancing knowledge and deductive reasoning to add alpha

Financial Planning has failed to deliver - because they have the model wrong

The Reason for separating the Invetment Module

The Problem with the current retail model is that the invesment process is usually 10-20 years behind the curve.

and like other systems often is focused on yesterdays' battle

Think David swensen
think Hedge funds - academic view vs real world value proposition

think ETF's

The Ability to profit in an Evolutionary Phase