Why this site exists.
I write about retirement money, stocks and funds you can sell, private funds you can’t, options on stock you already own, and life, disability, and annuities. The same questions kept coming up. What people found when they went looking was either a sales page or a wall of jargon.
What I want is for you to finish a piece and have a better question for whoever already handles your money. So I stay at the documents you sign, and I show the math. I don’t tie it off with a conclusion I haven’t earned.
I’m a portfolio manager in the Houston area. This site is my writing. It isn’t Verus Financial Group, and reading it doesn’t make you a client.
I interned at MassMutual in Houston in 2014, went full-time there in 2015, and started at Verus in 2019. More than ten years in the business. AIF®, CDAA, BBA in Finance. The registration and the insurance license are both public — links are below.
I write about insurance because a lot of the policies I see are just wrong. Wrong amount. Wrong definition of disabled. An illustration somebody treated like a promise.
I’m Lao-American and grew up in Michigan. I live in the Houston area with my wife and our two daughters, two dogs and two cats. I support Avondale House and the Ronald McDonald House. I train as a powerlifter.
Where I am registered, and how to check it.
I work in the Houston area as an investment adviser representative, and I hold a Texas life insurance license. Nothing on this site is an offer of advisory services.
One exception: Quote and apply on the Insurance page prices coverage through BackNine, and I may be paid if you buy. Everything else here is writing.
Not a Verus Financial Group website. Mine, published under my own name.
No model portfolios. No fund names. No claims about what I would buy.
No performance record, no assets under management, no client counts, no testimonials.
No calendar.
Last reviewed August 2026. Registration and license details checked against the public records linked above.