// Certified Public Accountant
Risk-adjusted capital preservation. Opportunistic market analysis. Twenty years in the numbers — this is where the thinking gets posted.
// About
I'm a Certified Public Accountant with over two decades of hands-on experience at the intersection of tax law and financial markets. My background gives me a lens most investors don't have — I think in after-tax returns, capital efficiency, and structural downside protection.
My investment philosophy is simple in principle and disciplined in practice: protect capital first, then hunt for asymmetric opportunities when the market's volatility creates them. Fear and dislocation are not problems to avoid — they are pricing events to exploit, with the right position sizing and risk framework.
Nothing here is financial advice. These are my personal views, shaped by two decades of reading markets, balance sheets, and the tax code.
// Areas of Focus
// Market Writing
Macro
When investment-grade spreads widen quietly while stocks hold, history suggests you should be paying close attention to the bond market's signal.
Volatility
Volatility spikes are uncomfortable — and that discomfort is exactly what creates entry points for patient, risk-aware investors.
Capital Preservation
With short-term yields elevated, holding cash isn't just defensive — it's a strategic position that funds opportunistic deployment when the moment arrives.
Risk Management
Being right about a thesis matters far less than how much you own when you're right — and how much you lose when you're wrong.
// Current Thinking
A fortress balance sheet, disciplined capital allocation, and a collection of durable businesses. The benchmark for long-term compounding with embedded downside protection.
Long-Term HoldCloud infrastructure and enterprise software moats remain wide. Azure growth plus AI tooling integration creates durable recurring revenue with strong free cash flow characteristics.
Core PositionInternational equities trade at a significant valuation discount to the US. A prudent allocation for long-horizon investors seeking diversification and mean reversion potential.
Diversification// DISCLAIMER: These are personal opinions, not financial advice. Always consult a licensed advisor before making investment decisions. Past performance does not guarantee future results. Not an offer to buy or sell any security.
// Community Ideas
// Get In Touch
Want to discuss a market view, debate an investment idea, or connect with someone who obsesses over risk-adjusted returns?
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No Investment Advice
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