How We Work
A Planning Process
Just for You.
We start by analyzing your unique financial structure. From there, every recommendation follows a documented, disciplined sequence.
1. Discovery and Data Collection
Before we build anything, we need to understand your full financial picture. In our first meeting, we map your assets, liabilities, income sources, spending patterns, and any concentrated positions or upcoming liquidity events. That structure is the foundation everything else is built on.
2. Financial Modeling
We model your cash flows, anticipated expenses, and long-term obligations. This creates a clear picture of how much risk your financial structure can actually carry, not how much risk a questionnaire says you can tolerate.
3. Asset Allocation Design
Using your modeled financial structure as the input, we build an asset allocation specific to you. Your balance sheet, goals, and timeline drive that decision, not a preset ratio. Many investors are familiar with standardized allocation models such as 60/40 portfolios. We start from scratch.
4. Solution Sourcing
We seek to identify cost-efficient solutions. As an independent RIA, we have no incentive to recommend proprietary products, so every selection is evaluated on its own merits.
5. Coordination Across Your Financial Life
Investment management is one part of the picture. We coordinate tax strategy, estate planning, insurance review, credit sourcing, and spending analysis so every part of your plan works toward the same goals.
6. Ongoing Review and Adjustment
Your financial life changes. Your plan should too. We review your structure regularly and adjust when your circumstances or goals shift.
Working With Cloud Capital
Clear Communication with Honest Answers.
From the first conversation to your ongoing reviews, you can expect a consistent standard of detail and transparency.
Detailed Planning, Not General Guidance
You receive a financial plan built around your balance sheet, obligations, timeline, and concentrated positions. Not a set of recommendations pulled from a standard playbook.
Personalized Strategies
When we walk you through your plan, you can see the reasoning behind every recommendation. We care about the “why”, not just the end result.
Accessible, Collaborative Advisors
Members of our advisory team have founded companies, run investment portfolios, and managed complex financial transitions firsthand. They work with you, and for you — explaining what they’re doing and why at every stage.
How We Invest
Grounded in Research,
Calibrated to You.
Cloud Capital’s investment thinking is grounded in academic research across both public and private markets. On the public side, our approach draws from factor-based investing, a discipline built on the foundational work of Eugene Fama and Kenneth French, both Nobel laureates in economics. Sean Sternbach, Cloud Capital’s CIO, studied at the University of Chicago Booth School of Business, where Fama’s research in asset pricing was developed and taught. On the private side, that same research discipline is applied alongside our team’s direct experience as fund managers and company builders.
Factor-based investing identifies specific, persistent return drivers in the market and constructs portfolios to access those drivers efficiently. It is a research-backed alternative to active stock-picking or market timing.
What distinguishes our process is how we apply this thinking. Rather than assigning clients to a standard risk category, we look at each client’s full financial structure: their assets, liabilities, income sources, spending needs, and concentrated positions. That picture determines the allocation. Then we source the most cost-efficient investment solutions available in the open market, without relying on proprietary products or preferred platforms.
The result is a portfolio built on academic research and structured around your specific financial picture. Independent sourcing keeps costs low, so more of the return stays with you.
Independent Sourcing
We search the market for the most efficient solutions for each client’s allocation.
Cost Discipline
Reducing unnecessary costs and managing expenses is a core part of our portfolio construction process.
Liability-Driven Thinking
Investment decisions are made in the context of what clients actually need their money to do.
Factor-Based Construction
Portfolios are built to access research-backed return factors, not to replicate an index or bet on stock selection.
