ABOUT US
Meet our Founder
Hi, my name is Kyle Restad, and I would like to share my story with you. Psst… it’s a bit long but it will help you understand my principles. I am a small-town guy (graduating class of 25 in a town of 800) who has bounced
around and finally settled in “paradise.” My professional background began in 2000 when I was hired as a financial consultant/stock broker for a major investment firm right out of college. In less than a year, I received some news
that would drastically change my life when I was diagnosed with a condition I was told gave me a 99% certainty of cancer. “Young and invincible”, it was a huge scare and caused me to reevaluate my life and the insignificant role
money plays when faced with mortality. With our wedding date coming soon, I decided to take a break and focus on my recovery following two major surgeries. Four months later, I began working as an independent contractor for an insurance company, assisting people with insurance and investment needs.
18 months later… About halfway through my wife’s chiropractic school, we discussed the likelihood of relocating after graduation to start her practice. I decided to put my financial business on hold to avoid the challenge of managing
two new businesses after the move. Instead, I transitioned from volunteer to employee with an organization I was passionate about, Special Olympics. 5 1/2 years came and went quickly, and I joined a major investment firm as a financial
advisor. The sales quotas and commission requirements reminded me I was not a good fit. So, before the birth of our first daughter, I set up my own firm to provide more flexibility and freedom for my clients and me. Fee-only advisory
allowed me to eliminate sales quotas and commission targets, which are never in the client’s best interests. The governmental overreach during the climate of 2020 (you know what I mean) pushed our family to seek Liberty and freedom
in Idaho. As a native North Dakotan, it reminds me of home… just with much warmer winters.
Facing mortality teaches us important lessons about what we leave behind and what truly matters. I’ve gained knowledge about financial matters and want to pass it on. I aim to help people become independent DIY investors by teaching
sound financial principles and planning. You can do it yourself but don’t need to do it alone.
Being married to Julie for 24 wonderful years and raising our two amazing daughters has been incredible. As a homeschooling dad, I often feel like a unicorn. Why do we homeschool? It has provided the freedom to explore the world without being tied to a schedule, desk, or four walls. My girls are proficient at explaining the principle of lost opportunity cost, can run payroll, and even help during the development of my financial plans. Teach them young!
Our Core Philosophies
We forge enduring, trusted financial advisory partnerships with our clients. Our mission is to provide unwavering financial peace of mind through custom-tailored, unbiased advice, enabling clients to pursue their passions, dreams,
and talents fearlessly.
We are partners.
We value your perspective & aim to build long-term relationships based on trust. We work as partners.
Keep it simple.
We believe in keeping things simple & practical. Our solutions are clear & impactful, avoiding unnecessary complexity.
Education is key to your success.
We are committed to ensuring that you fully grasp our advice & recommendations. Mastering the management of your own finances empowers you to shape your own destiny!
Curiosity creates wisdom.
Our goal is to embody curiosity, humility, & empathy in all aspects of our work. By asking thoughtful questions and actively listening, we can assist our clients in gaining valuable insights and wisdom.
Your money, your path.
You don’t want to be sold anything. You don’t want to pay someone to manage your investments when you know you can do it yourself. You seek friendly financial mentorship, personalized guidance, and unbiased investment advice. You’ve
got this and don’t have to go it alone.
Everyone deserves advice.
Access to high-quality advice, transparent pricing, and low-cost investing should not be limited to the wealthy. Everyone deserves an opportunity for sound financial advice.
Our Investment Philosophy
Due to investing’s emotional roller coaster, it is essential to possess a core investment strategy during all market conditions. Here is ours.
We are dedicated to helping you establish a straightforward investment strategy that will empower you to meet your short- and long-term financial objectives. We aim to streamline the investment process by providing recommendations
that instill comfort and confidence. We are here to help you manage your portfolio, making handling your own money in your accounts easier. While you can manage it yourself, you don’t have to do it alone.
We believe in a well-diversified, low-cost, buy-and-hold approach to investing. In most cases, we suggest tax-efficient ETFs from Vanguard or Dimensional. The allocation between fixed income and equities is determined
by your risk appetite and the timeframe during which you expect to need the funds.
We do not recommend investing in individual stocks or bonds.
