Decision Prosthetics

Do not tell people how to behave. Predict how they're going to behave and plan appropriate preventative action. Use a solution that is psychological, preventative, personal, perpetual, and planned for.

Personal finance is behavioural finance.Blending behavioural psychology with quantitative-finance theory employs the best of both human and algorithmic worlds.

Investment plans that ignore, or pay only the whisper of lip service, to investor behaviours, are ultimately futile. Ultimately, the true job of a financial adviser is not to give clients a theoretically 'optimal' solution, but to give them the best solution they could realise in practice.

Chasing past performance represents the sacrifice of future performance in exchange for current comfort. The reason investors make decisions that harm their long-term investment returns is rarely a lack of knowledge.

Never gamify at the expense of accuracy. Gimmicky games trivialise risk tolerance, they do not test it.Helping clients navigate complexity is better than pretending it can be cost-effectively avoided.