Most financial advisors talk about money.  I talk about systems.

Before I ever designed a retirement plan, I spent decades engineering IT infrastructures — systems that had to be secure, reliable, and resilient no matter what happened. If a network failed, companies lost millions. If a security gap was missed, data — and trust — disappeared overnight.

It was in that high-stakes world that I learned a fundamental truth:

Success isn’t about reacting to problems — it’s about designing solutions that prevent them.

And that’s exactly what most people’s retirement plans are missing.