I believed there had to be a better way.

After nearly two decades in the financial industry, I watched intelligent, capable people make important financial decisions while the most meaningful conversations never happened. The industry was focused on portfolios and transactions. The human being sitting across the table was almost beside the point.

I saw firms built around gathering assets rather than genuinely serving clients. Advisors rewarded for selling products, fitting people into predetermined models, optimizing for revenue instead of outcomes. It wasn't good enough.

I founded XÇ to create something different — a firm where people always come before profits, where adviceis guided by integrity rather than incentives, and where financial planning is understood as a tool for creating a meaningful life. In March 2021, I discovered Human Design, and immediately understood that knowing yourself changes everything about how you relate to money, to decisions, to wealth. That dimension has been part of every client engagement since.