Financial Independence

Dear Subscribers, Thank you for trusting Arbor Investment Advisor with something as personal as your capital. This first letter is simply an insight into how we think, how we approach portfolio building and risk management. “ You are not going to get rich renting out your time. You must own equity — a piece of a business — to gain your financial freedom .” — Naval Ravikant I keep this line close because it is simply true. Look around, and almost everyone who has built lasting wealth has done it by owning businesses — either by starting one or by owning equity in good ones — not by drawing a salary for forty years. Even a piece of land your relative owned that rose in value was an asset someone owned. Owning the right businesses, patiently, is the most reliable path most of us have. Why I do this I have been curious about investing for over a decade, and the curiosity has never faded. I read widely and across fields — biotechnology, investing, philosophy and psychology. Every business h...