I formed Anchor Pacific Financial Risk Labs (“AP Fin Labs”) in 2011 after a 15 year career as fixed income trader and global capital markets professional. The idea was simple - to provide the tools and resident domain knowledge to optimize client outcomes with respect to their long-term investment goals. This would be lead with a solutions driven approach as opposed to the status quo of products and ad-hoc methods for portfolio construction and implementation. The retail client continues to be the most underserved in the industry - typically overcharged, neglected and underwhelmed. Maximum reach for our approach is not direct to consumer but rather through partnering with focused, dedicat