"If you don't know where you are going, any road will get you there."
- Lewis Carroll
Unless you take a completely passive approach with your investments, it's important to maintain a sense of direction.
This week marks the 10th anniversary of the largest bankruptcy filing in U.S. history. On September 15, 2008, Lehman Brothers filed for Chapter 11.
I’ll never forget the morning it happened. I was an analyst in the Bay Area.
With stocks making all-time highs again, I’m having daily conversations with investors who aren’t sure how to invest their money.
Many ask: Should we put new money to work at these levels, or wait for a pullback?
Others wonder if stocks are in a bubble, which may warrant profit taking.
In a sense, it’s fitting that ‘debt’ is a four-letter word. The debt narrative is resoundingly negative. America (and Americans) have too much of it. The Europeans are still enduring slow growth because of it. Almost all financial planning literature urges readers to get rid of it.
"I’ve had the great pleasure of having Michael as my investment manager for the past several years. In fact, he is way more than that. He is a trusted guide who coaches his clients to look first at life’s bigger picture and then align their financial decisions to support where they want to go. Michael and his firm take a unique and personal coaching approach that has really resonated for me and helped me to reflect upon my core values and aspirations throughout my investment journey.
Michael’s focus on guiding the "why" behind my financial decisions has been invaluable to me in helping to create a meaningful strategy that has supported both my short-term goals and my long-term dreams. He listens deeply, responds thoughtfully, and engages in a way that has made my investment decisions intentional and personally empowering. With Michael, it’s not just about numbers—it’s about crafting a story of financial growth that has truly supports the life I want to live."
-Karen W.
"As a long-term client of Silverlight, I’ve experienced not only market-beating returns but also invaluable coaching and support. Their guidance goes beyond finances—helping me grow, make smarter decisions, and build a life I truly love. Silverlight isn’t just about wealth management; they’re invested in helping me secure my success & future legacy!"
-Chris B.
“You likely can’t run a four-minute mile but Michael’s new book parses all you need know to win the workaday retirement race. Readable, authoritative, and thorough, you’ll want to spend a lot more than four minutes with it.”
-Ken Fisher
Founder, Executive Chairman and Co-CIO, Fisher Investments
New York Times Bestselling Author and Global Columnist.
“The sooner you embark on The Four-Minute Retirement Plan, the sooner you’ll start heading in the right direction. This fun, practical, and thoughtful book is packed with investment wisdom; investors of all ages should read it now.”
-Joel Greenblatt
Managing Principal, Gotham Asset Management;
New York Times bestselling author, The Little Book That Beats the Market
“In order to preserve and protect your pile of hard-earned capital, you need to be coached by pros like Michael. He has both the experience and performance in The Game to prove it. This is a great Full Cycle Investing #process book!”
-Keith McCullough
Chief Executive Officer, Hedgeye Risk Management
Author, Diary of a Hedge Fund Manager
“The Four-Minute Retirement Plan masterfully distills the wisdom and experience Michael acquired through years of highly successful wealth management into a concise and actionable plan that can be implemented by everyone. With its clear guidance, hands-on approach, and empowering message, this book is essential reading for anyone who wants to take control of their finances and secure a prosperous future.”
-Vincent Deluard
Director of Global Macro Strategy, StoneX
© 2025 Silverlight Asset Management, LLC. All rights reserved.
