Professional Financial Education
Investing | Wealth Management | Economics
Your True Wealth delivers independent financial education grounded in rigorous research and professional practice. Content distills complex concepts into clear analysis and practical frameworks that reinforce disciplined, serious financial decision-making.
Building Blocks Used by the Investment Pros
Independent, research-driven strategies drawn from the same disciplined approaches that institutions and professional investors use to build durable portfolios.
The Best-in-Class menu offers carefully selected ETFs chosen for performance within their peer groups, strong risk-adjusted returns, and cost efficiency. Typical weights are provided for each fund, providing building blocks to enhance a core portfolio with targeted exposures while still reinforcing adherence to a financial plan. The emphasis remains on disciplined implementation rather than chasing short-term trends.
Best-in-Class Investment Menu
Tailored for active, experienced investors seeking a research-driven approach to portfolio construction. It features carefully selected ETFs representing the top choices within each major asset class. The menu supports a investment framework while allowing for selective active management and tactical adjustments. This design offers flexibility to fine-tune asset class exposures without compromising portfolio structure.
Ideal for:
Active investors who prefer a core–satellite approach anchored in research and best practices.
Those who want more flexibility and control over portfolio positioning.
Investors looking to apply active tilts alongside a predominantly passive foundation.
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U.S. Large Blend Stocks
U.S. Growth / Momentum Stocks
U.S. Value Stocks
U.S. Mid / Small Cap Stocks
International Developed Stocks
Emerging Market Stocks
U.S. Core Bond
U.S. Short-term Bond
Broad Commodities
Gold
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Peer-group standouts: ETFs selected for strong peer-group performance and risk-adjusted outcomes, highlighting funds that clearly lead their category.
Expense efficiency: Preference for low-cost funds without sacrificing quality.
Flexible use: Suitable on their own or to enhance a core passive portfolio.
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Core–satellite focus: Evidence-based menu designed for core building blocks plus satellite exposures.
Diversification guidance: Suggested weightings to aid optimal asset allocations and prudent sizing. Diversification is often deemed the only free lunch in investing!
Durable methodology: Emphasizes structure, liquidity, stewardship, and mandate fidelity to support resilient portfolio construction.
KISS — Keep It Simple Strategy
Designed for passive investors who value simplicity and efficiency. It applies the 80/20 rule of investing—focusing on the core drivers of portfolio outcomes—through a selection of broad, low-cost market exposures. It incorporates core stock index funds and a short-term bond fund—to better align with fixed income’s role as a safer allocation. The approach emphasizes broad market exposure, low costs, and disciplined, low-maintenance portfolio construction.
Ideal for:
Passive investors looking for a set-it-and-forget-it portfolio aligned with serious financial goals.
Investors seeking broad market coverage with minimal moving parts.
Those who prioritize simplicity and low cost index funds over precision or fine-tuning.
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Broad U.S. Stocks
Broad International Stocks
U.S. Short-term Bond
Hi, I’m David
I founded Your True Wealth to bring fiduciary-minded investment education, usually reserved for the affluent, to everyday investors. As a CFA charterholder with experience in institutional investing, risk management, and macroeconomic research, I combine professional expertise with personal purpose to help investors grow wealth through disciplined strategies built on researched, low-cost ETFs.
Our Purpose
Your True Wealth was built to democratize investing. The same fiduciary-minded strategies available to institutions and the wealthy should be accessible to every household. Our mission is to help investors integrate investing with broader wealth management — connecting asset allocation with real financial goals such as retirement, education, and security. We aim to minimize unnecessary costs and complexity while staying resilient through market cycles by thoughtfully matching allocations with broader macroeconomic shifts.
Guides & Insights
A growing collection of straightforward, professional articles to help readers cut through noise and focus on what matters. Early topics include investing fundamentals like diversification, risk tolerance, and dollar-cost averaging; wealth management pieces on emergency funds, liquidity planning, and savings priorities; and economic insights on inflation and global market drivers.
The library is actively being developed, with new articles added regularly.
Clear, practical insights to help readers make informed financial decisions.
Unlock Premium Access Your True Wealth
Subscribers gain full access to curated fund menus, detailed portfolio frameworks, and premium financial education in the library. New articles and exclusive insights are added regularly.
Disclaimer
Your True Wealth is not a registered investment adviser. Our intent is to provide professional and credible financial education—resources often reserved for the affluent—in a way that is accessible to everyone. Therefore, this is financial education—not advice—and no buy or sell recommendations are provided. Every individual’s situation—and risk tolerance—is different, so readers should think critically, do their homework, and stay focused on long-term goals. Consult a licensed professional for personalized advice.