My Goals

I’ve wanted to help educate people on investing for a long time. I have been blessed in my current and previous day to day roles as an investment portfolio manager and consultant to be able to do so, but there are some limitations. I don’t have enough hours in the day to help everyone so this is the way I’m going to try to do it.

Investing is so important that I believe everyone should have access to real investment education that can be understood and the investor can implement on their own if they want.  If they don’t want to do it on their own, then please see a financial advisor.  When working with a financial advisor at least you’ll have the education to make sure they know what they’re talking about.  Becoming a financial advisor isn’t that difficult, so it’s extremely important to know what your advisor knows.

Knowledge is Power!

Who Is Kulwicki Insights For?

My Wife and Kids

I needed a way to share with my wife and kids everything I know about investing and this was the best way to do it. If something happened to me and I couldn’t share everything that I know, that would really bother me. It would be a waste of my knowledge.

At least with this site, my wife and kids will know what they need to know to invest appropriately, reduce mistakes and not get taken advantage of by other “advisors”.

My Family and Friends

Money is a funny thing.  Although I know a lot about investing and I’m confident my extended family and friends would benefit from what I know, they probably feel bad asking me about investing all the time or they don’t want me to know how much or how little they have to invest. I totally get it and I’d feel the same way.  This site solves that issue for them and I can help them without any weird issues we’d all feel.  The holiday gatherings wouldn’t be so weird either.

General Public

This site allows me to help anyone that needs help, even if I don’t know them.  That broadens my purpose and simply makes me happy that I can do that.

I love talking about investing with everyone but I probably talk a mile a minute when I get going.  At least now I can share what I know and anyone can digest at their own pace.  

When I get on a roll, my wife usually says “enough already!” and I feel stupid.  Doesn’t everyone want to know this stuff???  😉 At least through this site I can explain things in as much detail as I want at a pace the reader can take.

Beginning and Average Investor

This site won’t get into the nitty gritty of investments or investment strategies.  Everyone has an opinion and their “best way” of doing things.  I’ve covered so many investment managers and strategies that I can tell you there is no right way.  I’ll help you understand what is needed for you to help figure out what strategy is best for you, not someone else.

If someone wants to learn how to price swaptions, day trade micro caps, play calendar spreads on commodity futures, this site won’t help.  Can I teach this stuff? Yes. Is it needed for most investors? No. I don’t even do it. I can give an overview of the things to look for in these areas, but for most people, they won’t and shouldn’t even attempt it.

There are areas that I will provide the basics and other areas where I’ll get more detailed that maybe professionals will learn something and I’ll try to make it clear when I do so.

People I Can’t Help in My Day Job

My fees may be to high for people to work with me directly one on one. For reference, I provide investment consulting/wealth advisory services for various client needs. I generally charge a minimum service fee of $5,000 and/or hourly rate of $500/hr. My time is extremely valuable to me and I have to price my time accordingly for those that need/want advice from me for their specific situation.

I really want to help everyone that wants to be helped and this is how I’m trying to solve for that.  It’s bothered me for so long and there are too many barriers under regulatory, and frankly time pressures, to help those who really need it.  This site should solve for that and my conscience will be much better for it.

Financial Advisors

I’ve worked as an investment consultant to financial advisors since 2007.  I know what financial advisors are trying to do for clients, their fears, and their tricks. I’ve seen a lot, heard a lot and know full well there are good advisors and not so good advisors out there. At a minimum, this site will call out the bad habits and issues I have with bad financial advisors and will hopefully provide guidance to help them be better investment advisors for their clients.

Students

I learned a ton from my undergrad, MBA in Finance and CFA studies, but in my day to day, I don’t need most of that knowledge.  This site can provide practical application to the textbooks and provide insights into what it takes to be in my professional role and why it’s so fun.  

If you want to be a due diligence analyst, multi-asset portfolio manager or work in wealth management, you’ll gain a lot of insights here.  If you rattle off what you learn here in an interview, I think you’ll be one up on the competition.

Who is This Site Not For?

People looking for advice.  This is to teach you how to make your own decisions and take advantage of all of the benefits of doing so. I have no idea what your personal circumstances are, your risk tolerance, objectives, etc. so there is no way I can provide advice.  This site is for educational informational purposes only to help to make informed decisions based on what you believe and your situation.  Do not consider this advice for your specific situation.

People looking for specific investment ideas.  This isn’t some scam site with a bunch of “can’t lose” (yeah right) stock picks. There are plenty of investment newsletters and other media sources that are more than happy to provide investment ideas. This site won’t do that. At a minimum, this site will provide you insights into how to analyze these newsletters/media sources to try to help you assess the legitimacy of them. Again, this site is to educate you to help you make better decisions on your own and try to reduce the mistakes you may eventually make.

Contact me directly. If you are looking for specific investment or finanical planning advice, please feel free to contact me through Freedom Wealth Alliance. I’d love to chat!

What’s In It For You?

It’s really tough hearing stories of people making unfortunate investment mistakes or overpaying for services from less than qualified advisors.  I hope the education on this site can help reduce your risk of making bad decisions. I hope this site can help you understand what moves the markets, what is important and what’s noise. If you expand your knowledge there is less risk of financial professionals trying to pull one over on you. If this site can help you at all in these areas, this site has been a success.