The product is confidence, clarity, and time. It's a high-integrity educational service delivered via a 3-part model:

• The Public Frameworks: The high-value knowledge I publish, from the 5-page guide and my ongoing LinkedIn analysis to the private Strategic Session. Build your own path, using these proven frameworks.
• Implementation Workshops: Focused, hands-on sessions where we tackle the complex challenges investors commonly face. Using proven frameworks and my proprietary tools, we cut through the complexity, building a step-by-step path to demystify these critical issues and turn them into a solved problem.
• The 1-on-1 Mentorship: My private tutoring service. It's the fastest, most effective way to clear your specific roadblocks and ensure your problem is solved the best way, once and for all.

Some of the raw theory exists, yes. But it's often buried in dense academic papers, complex industry research, or requires insider knowledge to fully grasp. The real value I provide isn't just information; it's translation and application:

For the 'Clarity' (0-90%) path:

I've done the rigorous work of curating and distilling these proven principles into one simple, actionable 5-page guide. It's not just what to do; it's the clear, step-by-step how, designed to give you the confidence to solve the core problem of getting started effectively. It saves you the immense time and the costly mistakes of trying to piece it together yourself.

For the 'Mastery' (90-99%) path:

I translate advanced, institutional-grade concepts, often confined to academic theory or private wealth circles, into practical frameworks you can actually implement. Liability matching, optimizing for human capital, advanced factor analysis, the application of these sophisticated strategies for individual investors simply doesn't exist elsewhere in this accessible format.

Ultimately, you can spend hundreds of hours trying to piece together complex knowledge, unsure if it even applies to your situation. Or, you can leverage my expertise to get the relevant insights framed in a way that allows you to solve your specific problems and execute with unshakeable confidence.

No. Mentoring is educational. Under MiFID II, I do not give personal recommendations about specific instruments. We cover principles, tools, and public examples; you decide what, if anything, to buy.

Mentoring (This Service)

• Payment model: One fixed fee (mentorship) or hourly.
• Control of assets: You keep 100% control; no log-ins given.
• Service: Education, tools, decision frameworks.
• Product commissions: None.
• Ongoing dependence: Low, you are DIY after mentorship.
• Outcome: Investing self-directed.
• Trust: Trust the education, then trust yourself.

Typical Adviser (MiFID-licensed)

• Payment model: ~1% of assets every year.
• Control of assets: Adviser may hold or trade assets.
• Service: Personal recommendations and/or discretionary management.
• Product commissions: Possible, depending on adviser.
• Ongoing dependence: High; fee repeats annually.
• Outcome: Funds managed by advisor.
• Trust: Trust the adviser.

The core philosophy is an evidence-based framework: global diversification through ultra-low-cost index ETFs, disciplined rebalancing, and tight cost control. While the implementation can be very simple (even one ETF), it can also become more complex depending on what's needed to achieve your specific goals. This approach is supported by peer-reviewed academic research and long-term industry data (SPIVA, Morningstar Active/Passive Barometer).

No. I do not prescribe a specific ISIN or quantity, as final implementation decisions must be yours. However, all 1-on-1 Mentorship programs include exclusive access to the "Deep-Dive ETF Workshop" recording. This workshop provides the complete, step-by-step framework and uses detailed case studies to equip you with the methodology needed to select the best ETFs for your specific situation. Using these tools and frameworks, you will be fully empowered to make your final selections with confidence.

Passive investing means buying the whole market, not guessing which stocks will win.

• Index ETFs (exchange-traded funds) often track thousands of companies at once, for example, the MSCI World or a Total-Market index.
• Because ETFs simply copy an index, fees are tiny (often 0.05–0.20% per year).
• There’s no fund manager trying to “beat” the market, so results closely match market returns minus those low costs.

Active investing (or stock-picking) is the opposite. A manager, or you, tries to choose “winning” stocks or time the market, which incurs higher fees. Research from SPIVA and Morningstar shows this approach consistently underperforms after costs.

You can expect:

• The ability to maintain your portfolio in ≈ 45 min per month in a self-directed manner, often using automation.
• Typical fee savings of €2,000–€6,000 per €100k invested over 10 years, just from tax efficiency and good implementation. This can be upward of €10k+ compared to a financial advisor or bank products. These quantifiable savings alone often vastly exceed the cost of any program.
• The non-tangible but very real benefits: confidence, competence, and being guided by a trusted partner to stay the course. You'll also gain the ability to teach friends and family members the same proven principles.

Of course, investment returns are never guaranteed. Every investment carries risk, regardless of advice or approach. The mentorship focuses on increasing your probability of success and reducing avoidable costs.

Yes. Markets fluctuate, with or without mentoring or advisers. Diversification, cost control, and disciplined behaviour reduce, but cannot eliminate, market risk. Nobody can guarantee positive returns.

Once you've filled out the application for a Fit Call, please prepare:

• Some information about your goals, your financial situation, and your country of residence (current and anticipated). This is only to guide the direction of the mentoring, never to give personalized investment advice.
• Your top questions and concerns.

We agree in advance on the objective, the nature of the service needed, and the path to achieve the desired outcome. If, however, there is a misunderstanding on the service or a lack of fit that reveals itself after we've started, then a refund will be issued.

All programs feature a set number of on-demand memos and dedicated support for clarifying questions on what has been taught. You also receive session recordings to review. The goal is that you are able to be independent after our work. I will, of course, keep publishing new frameworks to the community.

The best way to begin is by selecting the path most relevant to you using the buttons below (either "Get the Guide" or "Apply for the Strategic Session"). In case of a unique or urgent situation, feel free to send me an email, and I will discuss the best way forward or redirect you appropriately.