About Britton Gregory, CFP®
I’m a fee-only, fiduciary financial planner and investment manager in Austin, TX, and I specialize in working with tech professionals. I founded this firm in 2012, and was helping people with their finances for years before that.
I was an engineer for nearly twenty years, so I greatly prefer a research- and analysis-based approach to finance, rather than flashy salesmanship. More tax-efficient investing and research-proven factors of increased returns, and less market timing and hedge funds.
Also, I stand out at financial advisor conferences, because I never wear a suit. Why? The better question is: why is a suit the official uniform of financial advisors? The answer is because our industry originated in sales; fee-only financial advisors such as myself are a relatively new invention, and still uncommon in the industry. Simply put, I don’t wear a suit because I’m not a salesman.
One of my favorite questions (generally asked only after a beer or two) is: if I’m so good at finance, why aren’t I retired and living the good life? The answer is: I am! Building something from the ground up, working hard on something I’m that helps people and that I’m passionate about — that’s my kind of retirement, and it wouldn’t have been possible without the financial skills I’ve built and been taught over the years.
Sound interesting? You can set up a meeting at https://seabornfinancial.as.
Some friends and I recently had an interesting conversation on "The Spectrum of Financial Dependence". We liked the idea -- where do you fall on the spectrum? What's your "score"? (Yeah, I know, it's an easy trap to fall into, but it was fun.) But even though we liked the idea, we were a little iffy on the execution -- some of the ranks on the spectrum seemed arbitrary and/or orthogonal to progression. Also, because it was applied to both businesses and people, it felt a little diluted.Hence,
Financial advising deals with the future, which "always in motion is", according to Yoda. (If you've got four minutes, follow that link. You're welcome.) We can maximize our chances of a good outcome, but the fact is that wise decisions and good outcomes don't always go hand-in-hand. Even the casino doesn't win every day. This leads us to an interesting puzzle: how do we judge a financial decision apart from its outcome? If I invested all my money in my company's stock, and it quintupled over
You've decided that you want a good asset allocation that balances risk tolerance and risk capacity. You want an optimal implementation, perhaps one with multi-factor tilts. And you want ongoing opportunistic rebalancing, tax-loss harvesting, and tax-efficient asset location. Who wouldn't? It's money in your pocket, compounding over time, that you're otherwise lighting on fire. So...how? Do you do it yourself? Do you hire someone else? What are your options? Turns out that there are several, so