We believe there is a safer way to manage your money that allows you to both participate in the full growth of the market while protecting yourself from a devastating market loss.

People often believe that you either have to choose growth or protection. But actually that is not true and in fact you can have both. We maximize the full growth of the stock market while guarding against life altering losses.

At Fearless Wealth, we operate
by Three Core Principles:

Eliminate Over-Diversification And Have Better Results

We believe almost all investors have been taught to be over-diversified, even those who think they aren't. The problem is that an over-diversified portfolio doesn't actually grow your money better in bull markets, nor does it protect your money better in bear markets.

An over-diversified portfolio creates complexity, complication, and confusion for you. Your money is not safer, nor is it growing better. You, the investor, literally just owns more symbols. We think that is a problem. There's a better way.

Own The Unbeatable Index And Maximize Performance

There are two indexes that are nearly impossible to beat over any seven-year rolling period. Literally, nearly all investors (professional or novice) cannot outperform these two unbeatable indexes overtime.

We believe investors should take advantage and own what no one can beat as a foundational position. There's a better way.

Implement Market-Based Rebalancing And Sleep Better

We want to know your tolerance to losses and what income you will want /need from your money. And we believe the market is better at telling us how long and how much you should be allocated to the market.

Most would agree that being heavily invested in bonds during a long-term bull market does not maximize your performance. And nor would someone want to be fully exposed to the stock market during long bear markets. There's a better way.

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How Our Approach Performed

During Past Bear Markets:

(2000-2002, Peak to Trough)

(2007-2009, Peak to Trough)

Bear Market Performance Numbers...

As shown in the above bear market performance numbers we limited our clients downside losses. So how did we do that? We eliminated over-diversification. We owned the unbeatable index as a core position. And we implemented our ‘market-based rebalancing’ approach to guard against the impact of large market falls.

There’s a better way.

How Our Approach Performed During
The Long Term Bull Market (2009 to 2019):

Bull Market Performance Numbers...

We eliminated over-diversification. We owned the unbeatable index as a core position. And we implemented our ‘market-based rebalancing’ approach which allowed us to maximize the full power of this bull market.

What makes our approach the winning one in up and down markets?

1st = We guarded against major stock market losses.

2nd = We fully leverage the power of each bull market.


$1MM portfolio losses 19% (Fearless Wealth '08) = $810k

To break even this account needs to grow 23% or needs 27 months of gains*.

But if $1MM portfolio losses 55% (Nasdaq100 '08) = $450k

To break even this account needs to grow 123% or needs 144 months of gains*. Nearly five times longer to just get back to breakeven.

*The average long-term stock market gain is 10% a year.

There's a better way.  

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