Reader,

Things are moving incredibly fast in the Valadares household right now. We are officially just two weeks away from our long-awaited honeymoon to Chile 🇨🇱 and Panama🇵🇦 !

I’ll be frank, this is likely the most expensive trip I have ever taken. Yes, even more expensive than the golf trips! But because we plan our finances around our values, we’ve been preparing for this for a long time. (Keep an eye out, I have a brand new Travel Budget incoming, soon to show you exactly how we funded it without the financial hangover- like the one we did for our trip to Prague and Amsterdam​

In other exciting news, Katie and I officially secured our new tenants (the lease has been signed, and the keys will be dropped off shortly)! We took yesterday (Saturday) off to celebrate. In fact, it was probably the first time in over a year that I spent less than three hours on my computer.

Granted, two of those three hours were spent sitting in a room at a Rockstar Real Estate tax planning event... but hey, we really know how to party. 🎉

Speaking of unsexy financial topics, let's talk about investing. This week, a massive story broke that proved exactly why the "smartest," highest-paid money managers in the world just got absolutely crushed by a boring spreadsheet.

The Canadian Stumble (The Cost of Complexity)

As high-income healthcare professionals, we are constantly targeted by the financial industry. We are pitched "exclusive" or "complex" investment opportunities like private equity, syndications, and whole life insurance. We are sold the idea that because we make "smart money," we need to invest in "smart, complex" things.

But look at what just happened in Canada.

If you read The Globe and Mail recently, you saw this headline: "Ontario Teachers' Pension Plan earns 6.7% return, marks down private equity and real estate assets."

The OTPP is legendary. It manages hundreds of billions of dollars and employs some of the sharpest, highest-paid financial minds on Bay Street (the Wall St of Canada). But for 2025, they posted a measly 6.7% return, completely missing their internal benchmark of 11.7%.

Why?

Because they got complicated.

While public stock markets (like the S&P 500) have been on an absolute tear (aside from this year), the OTPP was dragged down by heavily actively managed, illiquid assets. They paid millions in management fees for alternative strategies that ultimately acted as an anchor.

The American Alternative (The "Nevada Model")

Now, let's look at this through an American lens.

In the U.S. pension world, there is a famous counter-example to the high-fee, complex Canadian model. It’s the Nevada Public Employees' Retirement System (NVPERS).​

Nevada operates entirely differently. Instead of hiring a massive floor of Wall Street analysts to pick private equity deals, Nevada runs a multi-billion dollar fund with a shockingly lean staff.

Their strategy?

They buy boring, passive, low-cost index funds and go to sleep.

They don't try to outsmart the market; they just buy the whole market. And year after year, especially in roaring bull markets, the "lazy" Nevada model routinely beats the pants off the expensive, highly-managed pension funds across North America.

🔥 My Portfolio of 8 Years Was Absolutely ROASTED

Speaking of complexity, active management, and being "too fancy," I recently had my own verified portfolio on Blossom put to the test. Let's just say... it wasn't pretty. But it was incredibly valuable.

I put my money where my mouth is and linked my brokerage to the Blossom app (Canada’s first social investing app). I recently had their AI put my portfolio of 8+ years through a "Portfolio Roast." It called out my "conviction" in no uncertain terms.

The AI stated that because of my Bitcoin and Tesla tilt, I am essentially running a high-volatility "momentum lab," lacking a broadly diversified ETF core.

I break down the full, unsexy math in the main article. But the lesson is simple: Simplicity wins. My own portfolio was called out for being too "fancy." The Nevada Model is unsexy, but mathematical superiority is unsexier.

So, why should YOU be excited that I got roasted?

Because while my portfolio is getting heat, the Blossom March Challenge is just heating up! We are officially halfway through (two weeks in), and the prizes are massive.

Blossom is giving away 1 of 5 Apple Prizes to their Ambassadors.

• iPhone 17
• Macbook Pro
• AirPods
• iPad
• Mac Mini

Here is the deal: I am personally hoping to win that Macbook Pro for Katie.

HOWEVER, if I win any of the other prizes, the AirPods, the iPad, or the Mac Mini, I am giving it away to one of YOU, my newsletter subscribers. Yes, an iPad or new AirPods could be yours just for signing up and helping me win.

So, if you want to help me crush this challenge, win some free tech for yourself, and see exactly why the AI roasted my Bitcoin and Tesla positions...

👇 Click the link below to download the app (it's free!), follow my portfolio, and help us both win. Just make sure to follow me @financiallyfulfilledpro and I'll mark your name down :)
Also, in full disclosure, please note, that I do earn a small monetary amount for each download

The Unsexy Math (Index Funds vs. Active Funds)

You cannot build and protect a massive estate if you are leaving money on the table. Complexity in investing usually just means higher fees. Simplicity—buying low-cost, broadly diversified ETFs and holding them for decades—is the ultimate wealth cheat code.

Let's look at the actual mathematical power of "Boring" on a $100,000 portfolio:

❌ Option A: The "Fancy" Active Fund Let's give them that 6.7% return from OTPP, but subtract a standard 2% "expert" management fee. Your net return = 4.7%. After 10 years, your $100k grows to $158,295.

✅ Option B: The "Boring" Index Fund You buy a basic S&P 500 ETF. Let's assume a historical average 10% return minus a tiny 0.1% ETF fee. Your net return = 9.9%. After 10 years, your $100k grows to $257,030.

Complexity in investing usually just means higher fees. Simplicity is the ultimate wealth cheat code.

🧘 THE WELLTHY PRACTICE RETREAT (April 25-26, 2026)

I am incredibly excited to announce that I will be speaking at The Wellthy Practice Retreat next month!

If you are a practitioner looking to seamlessly integrate your health, your business, and your wealth, this is the room you need to be in. It is a 2-Day Virtual Retreat happening live online, and I will be breaking down some of my top financial strategies specifically tailored for clinic owners and healthcare pros.

Because you are a subscriber, I have a special discounted rate for you!

• $149 — Speaker Community Rate (Use promo code WELLTHY at checkout for $50 off!)
• $199 — Early Bird (If you don't use the code, this is the rate until March 31)
• $249 — Regular Price (April 1 onward)

​👉 Click Here to Grab Your Ticket and Learn More​

Resources to Automate Your Boring (But Highly Profitable) Wealth

1. Automate Your Investments 👉 🇨🇦 For Canadians: Wealthsimple is my absolute favorite platform for setting up recurring, low-cost ETF investments. It is the easiest way to embrace the "Nevada Model" of investing.

2. Maximize Your Income (The Job Comparison Calculator) 🚨 You can't invest if you are leaving money on the table at work. If you are thinking about switching clinics, use my brand new Job Comparison Calculator to see exactly which offer makes the most mathematical sense for your family.

Do you have any "complex" financial products sitting in your portfolio right now?

Hit reply and let me know, I read every single one.

​@financiallyfulfilledpro and Certified Financial Counsellor CFC™

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