Since 2006. Four companies. Three of them are one stack.

The short version: independence should not cost you the infrastructure, and I build the layer underneath independent advisory firms. The long version explains why that took three companies, how the stack is layered, and what the fourth one is.

The argument came before any of the companies

I started in financial services in 2006, at Jackson National Life Distributors, working on wealth platform strategy and national distribution as an external wholesaler.

That job put me in front of independent advisors constantly, in their offices, looking at how the work actually got done. It is a useful vantage point. You see a hundred versions of the same firm and the pattern separates from the noise.

The pattern was a gap. Large firms had portfolio infrastructure, risk systems, compliance tooling, and people whose entire job was operations. Independent advisors had the same regulatory obligations, the same client expectations, and a fraction of the machinery. The industry treated that as the price of independence.

Portfolios are the bottom of the stack

You cannot solve an advisor’s problem with software if the investment layer underneath is improvised. So the bottom layer is THOR Financial Technologies, built around systematic, rules-based strategies rather than discretionary calls.

THOR delivers those strategies as model portfolios and as two of its three exchange-traded funds; the third, THMR, is sub-advised by Ai Alpha LLC. One of them, THLV, launched in September 2022 and in February 2023 moved its listing from NYSE Arca to the NYSE floor.

The risk engine is the second layer, because a portfolio is only half the problem

A good strategy that a client abandons in a drawdown has not delivered what it was designed to deliver. The industry’s answer to that has been the risk questionnaire, which produces a score.

The trouble is that a questionnaire measures how someone feels about risk in a calm room. It does not measure what they can afford to lose, and it does not measure what they will do in March when it is actually happening. Tolerance, capacity, and behavior are three different things, and one number collapses them. That distinction has a name and a page: The Three Risks.

riskDNA AI exists to keep those three separate. It became available to UX Wealth Partners advisors on April 1, 2026 and to everyone else on May 1. It is free to advisors. Asset managers pay for it, and in return they see how advisors on riskDNA use and position their strategies. Their own products are among those it covers. That is a conflict of interest.

The platform is the top layer, because most advisors do not want to assemble this

Portfolios and analytics still have to reach an advisor. An advisor running a firm of three people does not want to integrate a model provider with a risk engine with a custodian with a reporting system. They want the thing to work.

UX Wealth Partners, founded in 2020 in Centennial, Colorado, is that delivery layer — a turnkey asset management platform for independent registered investment advisors.

Three companies, one thesis, three layers of one stack.

Civly is the fourth

Civly is a co-parenting coordination platform. It shares no customers, no regulatory perimeter, and no technology with the other three.

What it shares is a shape of problem: two parties who need to coordinate, a lot of friction in the coordination, and a record that matters.

Before any of it, San Diego State

I went to San Diego State University and played Division I soccer there, where I was named captain of the men’s team and earned Academic All-Conference honors. I graduated in 2002 with a degree in business administration.

The captaincy mattered more than the soccer. It is the first job where the outcome depends on people who do not report to you and are not obliged to listen.

Since then the competitive outlet has been endurance sport — two Ironman finishes, at Ironman California in 2024 and Ironman Maryland in 2025, and two USA Triathlon world championship qualifications, in 2010 and 2011, racing the Olympic distance in my age group. More on that here, including why I think the analogy between endurance sport and building companies is mostly overstated.

Where things stand

I work from Centennial, Colorado, in the Denver Tech Center corridor. UX Wealth Partners serves independent advisors, riskDNA and THOR supply the analytics and the strategies, and Civly serves separated parents.

How I actually run things is in the leadership writing. None of the companies keeps a jobs board; the contact page says how to reach me anyway.

I am an investment advisor representative of UX Wealth Partners LLC, an investment advisor registered with the SEC. My individual CRD number is 5159325 and the record is public. Registration does not imply any level of skill or training.