Grounded in logic.
Not consensus.
Fee-only fiduciary investment management in Sandy, Utah
For attorneys, pilots, families, and anyone handling an inheritance, settlement, or business sale.
Investing is one of the last liberal arts.
It rewards judgment more than memorization, and a knack for connecting ideas that don’t obviously belong together. That work is hard, it never really stops, and you’re graded on it every day. A lot of the industry quietly stepped away from it and reorganized around products that are easier to sell and simpler to run. I built Harvest Lane to do the harder thing.
How I think about your moneyA standard, by structure
I’m paid by you and only you. No commissions, no products, nothing pulling me in another direction.
I’m legally bound to put your interests first, and that’s in writing.
No broker-dealer or parent company, and no house view I’m expected to sell.
Success isn’t beating an index. It’s funding a life.
Most of the industry measures itself against an index. I’ve never found that number very telling. It says how the market did. It says nothing about whether you can stop working when you’d like to, or whether your family is taken care of if something happens to you. Those are the questions I plan around. How the market performed is the backdrop, not the scoreboard.
Built with permanence in mind.
Our mark is the Fuggerei in Augsburg, Germany, the oldest social housing complex in the world. It opened in 1521, and it’s still running today. The family who built it, the Fuggers, made one of the great fortunes in history by allocating capital carefully and thinking in generations rather than quarters.
We took our name from their lanes and our patience from their example. The things worth building tend to take a while.
More about the firmBuilt for people with a lot on the line.
My clients don’t all look alike, but they share a few things. They want a portfolio built with survival in mind. They want a real return above inflation over decades. They don’t care about last year’s performance.
Attorneys & partners
Your clients trust your judgment. Who do you trust with yours?
Partner draws, deferred comp, income that swings year to year. None of it behaves like a salary, so it shouldn’t be invested like one.
How I work with attorneysPilots
Two pilots in every cockpit. Why fly your money solo?
Big company contributions, a retirement date the FAA picks for you, and a schedule that keeps you away half the month. Someone should be watching the money while you’re flying.
How I work with pilotsFamilies thinking generationally
Your grandkids are the real time horizon.
Your wealth has to carry into the next generation, and the one after. That’s a longer horizon than most portfolios are built for, and it’s the one I invest for.
How I work with familiesInheritance, settlement, or sale
Everyone suddenly has an idea for your money.
The first few decisions are the hardest to undo. Make them with someone who has no products to sell.
What to do firstThinking, in the open.
Original research and independent views. The same lens I bring to client portfolios.
Price? What Price?
A single law from 2006 quietly rewired the entire market. Target-date funds now hold $4.8 trillion and buy the biggest stocks regardless of price. If you tell yourself you’re diversified because you own an S&P 500 fund, you’ve bet a third of your money on seven companies.
My Son Called My Bloomberg Podcast Boring
It’s not the 1970s on the surface. Supply shocks are hitting an economy where everybody is spending, not one where nobody is. The real 1970s moment isn’t now. It’s what shows up after Millennials slow their spending and the worker, tanker, and housing shortages are still unfixed.
OPM: Other People’s Money
You pay your life insurance premiums. You do the responsible thing. And along the way your money ends up financing airplanes, freight trains, rooftop solar panels, and the song catalogs of Bruce Springsteen. Private equity is reshaping the insurance industry.
However the money got here, it has to last.
Earned over a career. Built and sold. Inherited. Awarded in a settlement. Send me a recent statement and pick a time. I’ll show you what you own, what it costs, and what I’d change.
Get a second opinionFee-only. Fiduciary. Independent.