The Harvard MisStep - When Smart guys get it wrong - and the effects

UNITY of purpose - not to generate returns per unit of risk but to Fund the Capital Projects and organic growth of the Uninersity - Forgot their purpose - and look at what happened - the True Cost is Unkown - wealth Management and the Origin of Wealth..

Companies at war with their Customers

Living. In the m world

The model

It's about building systems (units) that can evolve on their own.Enterprise reat a car..And the creating the culture that allows and forsters that -toward a common purpose - value to the front end - because in the end that is what you are charging for that is your brand - product - your alpha. Then getting them to complent each other to make the whole greater than the sum of the parts.

It's not about getting people behind you to kiss your ass - it's about getting the people in front of you to kiss your ass

that's how you move up in the line...

Funding Maslows pyramid

Our job - Increase the value of your stock

The game is played agaist the box - all about responsibility

Modular Finance - Staying a step ahead

If you are reading it in the paper - it's too late

When it comes to the Banks and Brokers.....

A fiduciary Culture and model is insonsistent with their business model.....

What you have is a trillion dollar industry built on outdated investment assumptions...

and the fact that many are unaware of this just underscores the point.

Financial Dissonance and Modular Finance

Linear and non-linear systems

The reality is we are going somewhere New - it is not deterministic it is evolution

Think of the two sides of life dreamd aspirations  the master plan and 2 how you finance that plan

Think of germany think of the soviet union is that what they intended....it happen because the two worlds could not co-exist. Two sides to every story and reality is usually somewhere inbetween...

Champagne taste and a beer pocketbook etc etc. the ying and the yang complexity and chaos order out of chaos.

Where we go depends on the fork in the road right now as PIMCO says they are to focused on cyclical recovery that cannot happen we nee structrual change the odds change as decisions are made.

The right brain is ok as long as the Left(money) is OK if not there is financial dissonance that's how Obama came to power change occurs during periods of financial dissonance and so do markets move these things don't matter til they matter.....brenda and eddie....nobody cares if they believe things will work they way out yhat is what markets are supposed to do.....but when they cash stops there is a reset....a restructuring and that to is part of the mechanism

Financial Times Saturday 14, 2010

Delfation: Just how big a risk is it?

"if the mindset in washington doesn't move fro a cyclical to a more structural approach to grapple with fundamental problems, The probability of deflation increases"

Mohamed El-Erian

In an Evolutionary Phase - Allboats don't Rise - That's one reason wht you have this bipolar market

These things don't matter til they matter

Living in the Modular World

We are not living in the Modular World - as it transforms itself

The modular world is about how you line up your planets or how they are aligned against you

A two Tier World

Modern - Thinking The System will Take Care of You - Going in the Army - Going to School -
What ever will be will be ....Que Sera, Sera



Modular World Make your way control your own Destiny

The Next Phase is Being Defined

The tug between the Modern World  (what exists/dominates today) and what is next an improvement The Modular World.

Ie economics /FP applying new concepts being bastardized by the Modern World.Relativity/Relativism FP/needs analysis for a sales Model - A new way to sell.

The Arrow and the Ring

"A proper understanding of the dynamics of capitalism requires us to recognize both the long term trends that change the world and the financial cycles that sometimes exaggerate and overwhelm these secular trends. To put this more graphically, history and economics are driven by a rivalry between what can be called the arrow of progress and the ring of repetition. I choose these metaphors because the arrow and the ring are among the most pervasive symbols in the mythologies of any nation. Every civilization has understood the dualistic interplay between change and permanence, between the male and the female principles, between the yang and yin of creativity and preservation. And this creative Tension, is as much a driving force in politics and economics as it is in every other aspect of human psychology."

CAPITALISM 4.0

The Financial Industry is Making the same Mistake as GM

What's good for GM is good for the country.

AMPM - A fancy name for common sense

MPT is an investment strategy for an Organic Growth Phase

It's a losing strategy for an evolutionary Phase

The components are fixed income, cash, and equity no matter how you boil it down.

It is the equity component that needs to be restructured the "risk" portion the  "Risk Trade". In MPT the risk/reward is out of balance......on the equity side, there is no way for it to adapt to structural Change....It is reactive in nature, backward looking, when it comes to investing this is wrong. In fixed income investing you move to the highest yield (price).. In equity investing you move to opportunity not price..Price is often an Illusion of Value. Equity investing requires a proactive process and notion of the future.

Asset backed securities are not pure income vechicles that is where things went wrong there is and equity component to that. You lose your principal when the cash flow stops and there was no equity buffer between the renenus and the principal, Alan GreenSpan

MPT is limited in it's ability to adapt. It cannot adapt to all market conditions. It is to simplistis and only wirls in a bell jar. Under certain ASSUMPTIONS - which a not reality.

Benchmark investing misses the purpose - decoupled from reality

Private investors usually have a purpose and the requires a more reliable outcome driven approach.

I want to get here so i can do this....Is the the best way to get there...

Benchmark investing is giving way to outcome focused investing...

The World is Evolving - Our mission is to Get you to The Next Level...,.

The Purpose is to Incorporate this new thinking and deliver a better solution NOW not 10 Years from Now.

Problem #
 1) - The 4% Rule

           Solution:

WHAT is The NEXT LEVEL......

We believe we are going through more of an evolution Phase than a Cyclical recovery


We set up the Modular world to Bring this New thinking to you in a way you can incorporate and benefit from it.

Benefit from the new wave.

The Next level is not about participation and administration...it's about peak performance....

Wealth Management is administrative.
The next level is performance driven...

When you play to win the game changes....

Winning is about Culture....

Quote Vince