(The TL;DR version)
I started StackedLife after a 20-year career in Silicon Valley tech startups and data center real estate, finance, and construction.
My mission is to teach people how to strategically accumulate capital in a way that makes all of their other financial activities perform better, and with less risk.
In a time of market volatility and pandemics, what are you doing to ensure that you are in a position to take advantage of change, rather than react to it?
Who I work with:
Engineering and tech folks on how to eliminate debt, reduce tax, and get the most out of their income, retirement, and stock options, now – not 20 or 30 years from now.
Business owners on how to optimize cash, buy/sell agreements, enterprise risk management with tax benefits(!)
Real estate investors on where to store cash to make their investment activities more efficient, improving liquidity, reducing tax, reducing liability, and increasing returns.
Wills & Trusts for all of the above
(The full version)
Silicon Valley is famous for venture capital. And the venture capitalists have done very well. The tech community all want to know what the venture money is up to.
All the action and excitement has us wanting to be a part of it.
When it comes to personal finance, however, outside of the investors themselves, most of those same tech people have missed the most important component of “venture capital” — the part about the ventures’ capital.
While the investors obviously understand its importance, most regular folks have not been taught how to strategically accumulate capital. So, when we need it, we are forced to get it from the people who do know how to accumulate capital – the banks, credit card companies, and other lenders…
Ironically, in an area and industry filled with extraordinary intellect, creativity, and talent, most of these super-stars are following the same, ordinary “financial planning” advice as everyone else. — I know because I was one of them.
After a 20-year career in tech startups, including two popped market bubbles, I couldn’t help but notice that the financial tools and strategies available to most people today are not really designed to work in their favor.
The typical financial planning advice involves giving up both control and use of our money, while at the same time taking 100% of the risk.
- Employees lock their money away for 10, 20, 30, even 40 years using tax-deferred qualified plans.
- Businesses owners are incentivized to spend money to get tax deductions.
- To access capital, they often must provide personal guarantees, putting their personal assets at risk.
- Startup employees have even more to consider and are taking risks they may not even be aware of.
We are told by the banks, investment houses, 401k plan managers, and HR departments that the way to create wealth is to give up control, use, and certainty over our money – all for only the hope of getting a high “average” rate of return by “investing for the long-term.”
Assets under management – Our assets under their management.
If you examine the financial institutions’ activities, you’ll very quickly see that what they tell us we should do with our money is not what they do with their own money.
Money is not just the math. It’s not just about getting a high rate of return — It matters how, and when, money is deployed and consumed.
By focusing on strategic capital accumulation and using Economic Value Added (EVA) principles, it is possible for regular people to align their work, business, and investment interests with their personal and family interests. Rather than choose one or the other, they can be “stacked” in line with each other, and coordinated, so they work together.
Instead of relying on outside institutions for your capital needs, you can become your own financial institution to meet your growth and cash flow objectives — without personal guarantees, without locking your money away for years, and without giving up control.
The good news is that it does not take a complete financial “overhaul” to start using your money more effectively. By simply shifting the flow of money and assets, you can make what you are already doing even better.
John D Perrings
Lic: CA 0M53288 // NY 1499812
1111 Broadway, 3rd Floor, Oakland, CA
(415) 505-8092 | firstname.lastname@example.org