A firm built for the long relationship, not the short transaction.

Some firms begin with a business plan. Considerate Capital began with a friendship.

A close friend asked me to help him sell his company. I did. But the real story isn't the sale. It's what came after.

When it was done, he asked me to manage what he'd built, for himself and for his wife. He wasn't choosing me for a pitch or a credential. He was choosing me because we'd known each other a long time, and he trusted me to think about his wife the way he thought about her.

He passed away not long after.

And when he was gone, the work did not end. It moved to her, at the hardest moment of her life.

The long relationship, not the transaction that started it, is the closest thing I have to a founding moment.

It crystallized something I'd been noticing for years.

I'd spent my career managing institutional portfolios for hedge funds, pensions, family offices, and sophisticated investors. The work was rigorous and quantitative, and I loved it. But as friends and families found their way to me over the years, I kept seeing the same thing: the people who needed real partnership the most (pre-retirees, retirees, business owners stepping away, spouses navigating loss) were often the worst served by the industry. They were sold products instead of given plans. Handed complexity instead of clarity. Rarely asked what they actually wanted their money to do for them.

Considerate Capital exists to be the firm I would have wanted for my friend.

That means thinking about your money the way you do, as one part of a much bigger picture. We work alongside our clients on retirement income, lifetime tax planning, healthcare and Medicare decisions, estate coordination, and the emotional transition into retirement, all together rather than in isolation.

The investment philosophy began years before any of that, with a biography of Warren Buffett that led me to his teacher, Ben Graham, and to the idea that investing has a logic you can actually learn. It deepened during my MBA at the University of Chicago Booth School of Business, where I graduated with High Honors. I was lucky enough to learn from two Nobel laureates while I was there: Richard Thaler in behavioral economics and Eugene Fama in market efficiency. Their work continues to shape how I think about markets and the decisions people actually make. For most of our clients, though, the investment work is the easier part. The harder and more valuable work is everything that surrounds it.

We work intentionally with people who've spent decades building something (careers, families, businesses, savings) and who now want a long-term partner to help them think clearly about what comes next. People who don't want to be sold to. People who want to be listened to.

That's what considerate means to me. A firm built for the long relationship, not the short transaction. A firm that treats people the way I'd want my friend treated.

That's what I've tried to build.

I live just north of Chicago, with my wife and our three children.