Silicon Valley rewards conviction, speed, and optimism. Those same traits can work against long-term investors. Every year, the research firm DALBAR compares the returns of the average equity mutual fund investor with the returns of the market itself. In many years, DALBAR's findings have shown the average investor earning less than the market. According to DALBAR's 2026 report, the average equity investor earned 17.16% in 2025 compared with 17.88% for the S&P 500, a gap of 0

A professional athlete’s financial life runs backwards. Most people earn modestly in their twenties, peak in their fifties, and spend down savings in retirement. A professional athlete often earns the bulk of a lifetime’s income before turning 30, then needs that capital to support the next 50 or 60 years. We think that single inversion sits underneath nearly every financial problem athletes encounter, and it makes investment management not a luxury, but a survival skill. The

The Roth IRA Playbook for Athletes Name, Image, and Likeness (NIL) income has done something the sports world has never seen before: it has put real, reportable earnings in the hands of athletes at the very start of their careers — often years before a first professional contract, and frequently while they are still in their late teens or early twenties. That timing can be a gift. Money invested at 19 likely has four to five decades to compound before retirement, and few fina