Mobile Home Park Investing – Digging For Gold In A Trailer Park

This week we discuss mobile home park investing with Jefferson Lilly. Think you are too high-brow for this type of investing? You might want to take another look. We discuss the ins and outs of investing in mobile home parks, how technology improves your odds of success, and the importance of location. This was an eye-opener of an interview.


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Today's Guest:  Jefferson Lilly

Jefferson is a mobile home park investment expert and educator. He is the founder of Park Avenue Partners, a private equity real estate fund that acquires and operates mobile home parks nationwide. His investment funds are returning 8% - 15% cash annually to Limited Partners. Both personally and through his partnerships, Jefferson has acquired 25 MHPs in 13 states since 2007 totaling over $56MM in value. He started the industry’s first MHP podcast and the largest group on LinkedIn dedicated to investing in mobile home parks. Prior to beginning to manage investors’ money in 2014, Jefferson spent seven years investing his own capital in mobile home parks and consulting to high-net-work families with interest in the manufactured housing industry. Jefferson has been featured in the New York Time, Bloomberg Magazine, and on the Real Money television show. He holds a B.A. from the University of Pennsylvania and an MBA from the Wharton School of Business.

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Venture Capital Investing: Wall Street’s Secret Club They Don’t Want You To Join

We interview venture capital investing expert Carey Ransom about why you should consider venture capital in your portfolio and why you shouldn't. Its not just for the wealthy. We discuss, why venture capital investing is broken, how to value investments, why due diligence is important and more.


venture capital investing carey ransom


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Today's Guest:  Carey Ransom

Carey Ransom is a technology entrepreneur, executive, investor and advisor, and has started, grown and/or led 8 B2B and consumer technology companies during startup and growth phases. He is currently the President of OC4 Venture Studio, a new SoCal-focused venture studio where he and his team invest themselves and capital into founders of data-centric SaaS startups. He’s also host of a show/podcast featuring SoCal innovators, entrepreneurs and leaders. Since 2003 and before OC4, Carey invested in 12 of his own or angel-funded others’ ventures, with a current IRR of 25%+ (unrealized). Most of these ventures are SaaS, fintech or data/analytics companies. Prior to OC4 he was COO at Aspiration, the leading “consumer financial firm with a conscience,” where he led the firm’s growth from 40 to 150 people and the build out of infrastructure and approval as a FINRA-regulated broker-dealer. Previously, he was Chief Product & Innovation Officer of Experian’s Consumer Services business, where he led the new portfolio of consumer credit, financial and identity products, as well as partnerships across other Experian business units. He was also CMO and Chief eXploration Officer (CXO) of Payoff, a venture-backed consumer fintech company, where he recruited and built most of the team from 6 people to over 100, led new initiatives and strategic partnerships, and launched Payoff’s core consumer lending business. Before Payoff he was CEO at RealPractice, a venture-backed SaaS company, which he sold to ReachLocal (RLOC). Carey's over 20-year career spans executive roles in product, marketing, business development, strategy and corporate development. Prior to RealPractice, he was VP Business Development at Brand Affinity Technologies (BAT), an Internet advertising and celebrity endorsement business. Carey was VP Marketing and Corporate Development at WebVisible, forging new partnerships with companies such as AT&T, American Express and Microsoft, creating new lines of business, and helping WebVisible more than triple its revenue during his tenure. While at MessageRite (acquired by Frontbridge Technologies), Carey was VP Sales and Marketing, leading the online compliance and security start-up’s business, which was eventually acquired by Microsoft. Carey is active in the Southern California startup and investment community, and is a long-time board member of OCTANe and advisor to the CEO Leadership Alliance of Orange County (CLA-OC). He has recruited and hired nearly 500 people in the last 15 years here, and passionately believes in purpose, culture, talent and timing as key ingredients to successful companies. He has frequently spoken at financial technology, software and online media conferences such as SaaStock, Recurring Revenue, AltFI, Innovation Project, Frost & Sullivan and IMA. Carey is an MBA graduate of the UCLA Anderson School of Management. In addition, he holds a B.A. in Economics from Indiana University. His real education, though, was growing up in a multi-generational retail family business.

Carey's Online Reference


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Black Swans: The US Pension Crisis: Abandonment of the Pensioner Interview with Rob Arnott

This week we interview Rob Arnott, Chairman and founder of Research Affiliates. We discuss his most recent paper, The COVID-19 Crash and the Abandonment of the Pensioner. He is on my must read list of investing writers.

We discuss why the US Pension Crisis is such a huge problem, how COVID exasperated the problem, the state of the states pension obligations, which states are well off and which are in trouble, and the possible solutions to solve the problem.

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"In investing, What is comfortable is rarely profitable."     - Rob Arnott

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Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Rob Arnot

Rob Arnott is the founder and chairman of the board of Research Affiliates, a global asset manager dedicated to profoundly impacting the global investment community through its insights and products. He has been referred to as the "Godfather of Smart Beta" for his pioneering work on "The Fundamental Index." Rob has published more than 130 articles in such journals as the Journal of Portfolio ManagementHarvard Business Review, and Financial Analysts Journal, where he also served as editor in chief from 2002 through 2006. In recognition of his achievements as a financial writer, Rob has received seven Graham and Dodd Scrolls, awarded annually by CFA Institute to the top Financial Analysts Journal articles of the year. He also has received four Bernstein Fabozzi/Jacobs Levy awards from the Journal of Portfolio Management. He is co-author of The Fundamental Index: A Better Way to Invest (Wiley 2008).

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Investing in Raw Land… The Simplest Form Of Real Estate Without The Headaches – Mark Podolsky

This week we interview the Land Geek, Mark Podolsky. We discuss investing in raw land as a professional investor, the pros and cons, and how you can make money investing in raw land. I've always been curious about how people make money investing in raw land, and Mark was not shy about sharing his secrets. Join us this week to listen in about investing in raw land 101.


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Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Mark Podolsky

Mark J. Podolsky (AKA The Land Geek) is widely considered the country’s most trusted and foremost authority on buying and selling raw, undeveloped land within the United States. For almost two decades, Mark has been actively investing in real estate and raw land, and has completed over 5,000 unique transactions.


Mark’s company, Frontier Equity Properties, LLC, is an A+ rated BBB real estate company. Mark has achieved this level of success largely due to his core business philosophy – “Happy Customers Guaranteed.”


Mark is the host of one of the top rated podcasts in the Investing Category on iTunes aptly titled The Best Passive Income Model and The Art of Passive Income.

He is also the host of the Land Geek Podcast- Work Smart. Earn More. Learn How.

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Investing At A Young Age… Inspiring Younger Investors With Caleb Gulliams

You are only young once. Yet your investing decisions early on are extremely important to get right if you want to retire wealthy. We discuss sacrificing today vs tomorrow. why compounding is important to growing wealth and more...

investing at a young age

US Median Income

median income 2020


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Looking for a better way to invest? 

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It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Caleb Guilliams

Caleb Guilliams is the founder and CEO of BetterWealth, a company committed to showing people how to have efficiency and control over their money today while maximizing their future wealth potential.


At an early age, Caleb read every financial book he could get his hands on and was fascinated with the idea of ordinary people being able to achieve extraordinary wealth.

While still in college, he was promoted to take over the entire investment division at a local community bank where he committed to finding a better way to wealth for his clients. He traveled across the country for over two years learning from top financial experts. He eventually discovered proven strategies and principles that can empower anyone to create and protect real wealth.


Caleb is one of the youngest leaders in the industry and is quickly becoming The New Face of Finance. Excited to share and impact as many lives as possible, Caleb authored The AND Asset, hosts the BetterWealth Podcast and speaks around the world. He has a true passion for financial education and is on a mission to help people see and reach their highest potential.

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Book References:


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Learn The Secrets of Money Through Storytelling – Mesh Lakhani

This week we interview an unorthodox investor... A self-taught investor with a gift for uncovering the secrets of money through storytelling. We discuss some of his early lessons of investing and what he has learned without working on Wall Street or going to business school.


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Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Mesh Lakhani

I'm an investor with a passion for making business education straightforward and entertaining. I didn't study business or finance in school — and I never worked on Wall Street — but I’ve been a student of investing since the height of the financial crisis in 2008. I was lucky to learn from incredible people who shared their knowledge with me. In 2016, I co-founded Mark 2 Capital (Mk2C), an alternative credit fund that invests in new financial technology companies. I've made personal investments in companies including Teachable, Latch, Carta, HiFi, and Upstack, and am also an LP in funds including Notation Capital, Electric Capital, Maple VC, and Blocktower Capital.

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Mindful Money Interview with Jonathan Deyoe

I have interviewed some great investors on this show and one thing comes to mind... While all the greats are using a form of mindfulness, they never describe it that way. This interview with Jonathan Deyoe dives into the concept of how mindfulness can help you become a better investor. We also discuss some wall street myths, meditation, and why simplicity in financial planning is better than complex... And if that isn't enough we talk about how to create a happiness dividend.

 

Can Mindfulness Produce a Better Investment Experience? 

If you do a google search with terms such as “saving for retirement,” “investing,” or “the stock market,” you will be buried by an avalanche of results. At the top, you will find ads posing as information. You will discover all the things you are doing wrong. You will be told you aren’t saving enough and reminded of “better” investments. How helpful is that?

How helpful are all those articles about the retirement income crises? What exactly is a fiduciary? Who is the DOL again? Which hot stock of the thousands being recommended by a hundred pundits will make us richer quicker? Is it just plain crazy to pay a fee for financial advice, or is it absolutely essential? When will this economic catastrophe come to an end? What will cause the next one? Since the world is going to hell, should we bury our cash? Or should we buy gold… or bitcoin? Is there anything useful in all the self-promotion and misinformation? How do you know what to trust?

We have unparalleled access to data, but little of it helps actual people in real life. We are more confused and anxious about our financial futures than ever. Pundits talk, bloggers blog, podcasters pontificate, regulators write new rules, and financial firms create new products, while ordinary folks get more worried and further behind. Something in our approach to personal finance is broken.

We do not need more information. We certainly don’t need another sales pitch disguised as market wisdom. We need emotional intelligence. At Mindful Money, we believe we benefit from incorporating mindfulness into financial education and planning.

Most definitions of mindfulness describe a non-judgmental awareness of reality as seen through our senses and thoughts. When we contemplate money, it is often our misunderstanding of reality that hurts us. Our vision of reality is clouded by how we WISH it were and how we mistakenly BELIEVE it to be. But, when we pay attention to our experiences without judging them as “good” or “bad,” we can see the present moment more clearly and avoid making the big mistakes that derail most people.

Mindfulness creates a space between our experience of reality and our reaction to reality. This space enables better decision-making.

Mindfulness is not a gimmick. It will not magically attract dollars into your life or unveil “the secret” to financial success. Instead, it’s a practice that enables us to strip away mistaken beliefs and problematic behaviors that impede our progress. It enables us to stop chasing things we don’t need, choose what we actually want, and then take meaningful steps towards achieving real life goals.

After years of practicing meditation, I have learned I don’t control which thoughts arise, I can only choose whether (or not) they warrant my attention. Thoughts pop into our stream of our consciousness and we have to decide which to attend to and which to let go. This is pivotal when applied to personal finance in general and investing specifically.

When every ounce of your being is screaming “Buy TESLA now before it goes up another 100%” or “Sell stocks now because they just dropped 34% in 20 days and you can’t see how it gets better,” you can choose to not listen.

On some days, it seems to me that our whole society unconsciously subscribes to a series of collective beliefs (fallacies) poised to tip one another over like dominoes, toppling our financial lives. Watch the “dominoes” fall:

1. We believe that markets and the economies surrounding them are fragile, unstable, and vulnerable. While “unprecedented” is a media favorite, all investors have to recognize that markets are volatile in the short term but results smooth out over time.

2. This mistaken belief in fragility demands we focus on today’s financial headlines. Too much attention to the moment makes us see demons where none exist. It turns our focus away from stuff that matters and towards THIS election, THIS Fed meeting, THIS earnings report, and THIS war.

3. We come to believe that market VOLATILITY = RISK to be avoided – rather than accepting volatility as the natural condition of the markets.

4. The belief that downside volatility is to be avoided engenders hyper-vigilance. This both wears us out and impedes good decision-making. We seek the “best” investment approach because we won’t accept the future as unknowable.

5. The headline fear and the constant search for the “best” investment approach leads us to focus on evermore short-term performance of our portfolio as the dominant variable in our financial success. When our portfolio doesn’t perform as we expect, we change it.

The more we repeat this process, the further we get from our desired outcomes. As the last domino falls, we become more trapped in our mistaken belief that we should run from volatility because the world is so fragile.

In practice, the experience goes something like this:

Enter Covid19. (Could be anything really, Covid is the most recent example)

Headline: “OMG Covid.” Stories start about the disease describe how bad it could get.

Economy does slow and markets dive.

“Yup, Media said that would happen.”

Headline: “Time to get out of equities.”

“Yes, that feels right to me because I don’t know how this resolves and all the models are saying it is really going to be bad. I’ll sit in cash for awhile and stay ‘safe’”

The economy starts to get better and markets recover way faster than anyone expected. Buffet buys a company… or 2 or 3.

Headline: “Market Is Way Ahead of Economy.”

Headline: “Has Warren Buffett lost his touch?”

“The market is ahead of itself, it’s going to fall again. I’ll wait to buy back in.”

Market continues to climb, reaching new highs.

People realize their mistake – or their fear shifts from loss to missing out – and re-buy pushing markets higher still. Buffett, again, looks like a genius.

NOTE: Headlines never apologize.

Look at history and discover that this process repeats. Replace “Covid” with “dot-com” or “great-recession” or “election” or any crisis du jour. Are the markets and the economy fragile? They are volatile for sure… but fragile? With hind-site, we learn that the ability to NOT react to these stories is the key to our investing success.

It isn’t the market or the economy that is hurting us. Our accepting the belief that they will fail and the behaviors we employ to protect ourselves from their failure are hurting us.

Enter Mindfulness.

The rational investor can see the pattern repeat crisis after crisis. The rational investor sees that in the absence of an actual economic or market crisis, the financial media may simply invent one. Any problem can be blown out of proportion in regards to its effect on markets and economies. I would never minimize the real damage of a crisis, but the rational investor sees the market and economic damage as temporary. Collapse is followed by recovery – Every Single Time.

If we want a better personal finance experience, we have to access rational non-action. Mindfulness becomes a doorway to rationality. Becoming mindful allows us to achieve the stillness in the face of the unknown. We can avoid making excited or panicky financial choices. We can enjoy calmer lives and achieve better financial outcomes.

Stop trying to figure out what comes next. Look to history’s lessons:

1. Markets and the economies they represent are DURABLE.

2. Daily financial headlines are MEANINGLESS.

3. VOLATILITY ≠ RISK. Markets zig and zag. That’s just what they do. Human reactions create risk. Stop getting excited by the Zig and panicked by the Zag.

4. You DO NOT need a pundit or a short-term market outlook. You need a plan and a long-term investment process you can hold onto.

5. YOUR BEHAVIOR is the single greatest determining factor of your long-term financial success.

Spend less, earn more, save and invest as much as possible in the great companies of the US and the world. Plan where you want to go and follow your plan. When you do, you have a better chance of reaching your financial (and other) goals.

No portfolio or market outlook can make that promise.

Stop predicting.

Start Planning.

Stay Mindful.

Jonathan K. DeYoe is the president of Mindful Money in Berkeley, CA and the author of Mindful Money: Simple Practices for Reaching Your Financial Goals and Increasing Your Happiness Dividend. Mindful Money offers financial education paired with digital investing, personalized wealth management services, and retirement plan services.

These opinions are solely for informational purposes and are not intended as specific advice for any individual. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. Advisory services are only offered to clients where Mindful Money has a client service agreement is in place. “Mindful Money” is a service mark of DeYoe Wealth Management, Inc. a Registered Investment Adviser.


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Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Jonathan Deyoe

Jonathan has uniquely blended Buddhism and financial planning and for over 20 years he has successfully helped families create financial order through planning, discipline, and patience. Jonathan's speaking specializes in topics for wealthy parents, HR Leaders, attorneys, doctors, and high net worth business owners.

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Leveraging Your Credit, Credit Repair and Travel Hacking Interview with Yan Stavasski

Yan shows us how he managed to build a 7 figure business with very few resources. He teaches us how to leverage your credit, travel hack and repair your credit. This is a very interesting episode where we learn many simple and easy tips and tricks of credit repair, travel hacking and how he used the system to create an ideal lifestyle with very few resources.


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Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest: Yan Stavasski

Yan is a 25-year old credit and travel hacker who went from being in $82,000 worth of cc debt just 3 years ago to running a 7-figure company by the age of 25. He did this all while traveling to 47 countries for nearly free. Yan’s philosophy is all about leveraging credit to produce cash flow and travel hack your way to freedom without spending any money doing so

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Real Estate Crowfunding Review Episode with Ian Ippolito

How are you looking to invest in real estate? 

Direct investment? ... Syndicate? ... Partnership? ... crowdfunding site?

We interview the guru of real estate crowdfunding... Ian Ippolito. He has researched them all and he talks about the tips and tricks of real estate crowdfunding.


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Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Ian Ippolito

Ian Ippolito is the founder and head of an alternative-asset investing club called the Private Investor Club. The club has 3,500+ members with over $5.7 billion in investable assets and enables them to access deal flow, detailed due-diligence and special deals that they couldn't on their own. It's been featured in USA Today, Bloomberg News, Realtor.com, Curbed and more. More on the club is here: https://www.therealestatecrowdfundingreview.com/club

Ian is also a serial tech entrepreneur who has been interviewed by the Wall Street Journal, Business Week, Forbes, TIME, Fast Company, TechCrunch, CBS News, FOX News and more. More on Ian is here: https://en.wikipedia.org/wiki/Ian_Ippolito

200,000 social media followers.

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The Doctor of Risk Management: Stop Loss, Volatility, Stock Picking, And More

This week we interview Richard Smith who has spent the last 16 years leveling the playing field for individual investors. We discuss some risk management secrets of professional hedge fund managers: how they manage risk in their portfolios, reduce volatility & protect wealth via stop loss strategies. This is a great episode for novice and professional investors alike. Join us to learn how to invest with less risk.

stop loss richard smith


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Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Richard Smith

Dr. Richard Smith is the Founder of RiskSmith. With his background in mathematical theories of uncertainty combined with his own personal investing and trading experience, Richard has an acute sense of the critical role that risk and money management play in successfully navigating the financial markets. Richard is leveling the playing field for the individual investor.


When Dr. Richard Smith discovered that many of the world’s top private investment advisors and wealthiest traders had been using a mathematical formula to determine when to buy and sell stocks with incredible results, he decided to try it out. After running the numbers on his previous trades, the results were clear: no matter if the market went up or down, the investment formula he discovered would have earned him more money while taking less risk.


Applying this algorithm to an entire investment portfolio by hand was difficult, so Dr. Smith built one of the first online financial technology platforms in 2004 to help himself and others make more money and take less risk. Over the years the platform grew and additional algorithms were developed that alerted users to the precise time to buy or sell their stocks while helping manage their overall investment portfolio.

Richard had learned how to take the emotion out of investing, and the results were astounding! He formed a company around his new technologies and TradeSmith was born. TradeSmith soon grew to over 30,000 users who trusted a staggering 20 BILLION DOLLARS to his technology, and Richard became known as “the doctor of uncertainty.”


Richard is also CEO and Chairman of The Foundation for the Study of Cycles, an international research and educational institution for the interdisciplinary study of recurring patterns in all aspects throughout the world.

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