Welcome To The G.L.A INVE$T BIBLE aka OUR INVESTING CONSTITUTION / Rules We Invest With.
These are the lessons , core principles, beliefs and strategies I learned over a 25 year career in finance, 20 years of which I spent as A Series 7 Licensed Stock Broker Trading Stocks For High Net Worth Clients, I retired My license in 2022 To Focus On My Research Company, and to create a service that investors actually need.
SOON TO BE A BOOK and BEST SELLER.
My Mission is to pass a long what Ive learned over the last 25 years on the front lines of investing, and to help my network of family and friends create generational wealth thru long term investing in the public and private stock markets.
Rule # 1.- THE MOST IMPORTANT RULE IS OUR PHILOSOPHY (How we view the Market)Every time we have a correction it helps to go over our strategy and core principles again, These are the lessons I learned over the last 25 years in finance , 20 of which I spent as a series 7 licensed stock broker trading stocks for high net worth clients, I went through every correction every ,crash, every earnings announcement, I was there. I went through the great financial crisis of 2008-09, went through covid and every other correction, I was there every day. The best lessons came from the losses, knowing what not to do is 90 % of the battle. My strategy is designed to remove the uncertainty, focuses on the best of the best, and lowers the probability that we underperform, or make big mistakes. Our perception and how we view the market is easily the most important rule and place to start with the strategy.
When investing in the stock market, the investor has two choices , you can choose to invest short term (Voting Machine) which is basically a casino where investors can make money quick and also lose money quick, in this casino nothing is logical over the short term and big money manipulates the small money over and over again..Or we as investors can choose to invest in a super predictable long term wealth building machine. My long-term conviction draws on the market’s recoveries after the crash of 87, The Covid Crash and the great financial crisis of 2008 2009, though past recoveries do not guarantee future highs. Corrections and crashes are literally part of the game, so its a no brainer to invest with a longterm perspective. Riding out volatility and patience is the price of admission for this machine/strategy. Our Investment objective is to create exponential growth and Compounding Interest, with the least amount of risk. Over the long term, We believe we can 3-5X or more the return of the S&P 500 over the next 5 and 10 years by investing in diversified companies that are digitizing the way we live. (In 2023 our top six returned 174% vs the S&P500 26%)(In 2024 our top six Returned 212% vs the S&P500 23%) (2025 YTD up 50%% vs the S&P 10%) – You can’t get those results by trading – (FAANG and MAG 7 Showed us the way, a concentrated longterm portfolio in the best of the best)
The Famous quote from Benjimen Graham “the stock market over the short term is a voting machine (or popularity contest) which is swayed up and down by news, opinion and emotion. Over the longterm the stock market transforms into a weighing machine that measures a company’s true value with its fundamentals – with its earnings , revenue, and profits.” I learned this lesson over and over and over again as a stock broker for 20 years. Once an investor removes trying to time the market from his or her strategy, it opens up the ability to create exponential growth. Take PLTR for an example up from $7 in 2022 to $201 recently, you can’t get those results by trading or trying to time it. The longterm mentality also removes the day to day stress that comes with trading or trying to time the market, I know this very deeply from my days as a series 7 broker. If an investor doesn’t understand this rule, they haven’t lossed enough money yet!
Rule#2 OUR STRATEGY and INVESTMENT OBJECTIVE.Is a little unconventional, I like to put all of my eggs in just a few baskets, then I watch those baskets very closely. Our Strategy is designed to return exponential growth, and Compounding Interest and to out outperform the S&P 500 by 5X or more over the next 5-10 years. We only invest in companies we believe can 10X, 20X, 30X over the next 5-10 years. First we research potential investments rigorously using first principles, We then use our G.L.A INVEST Proprietary scoring system, then We buy and hold, DCA on weakness, and manage the portfolio. An example of managing is when stock goes up 10-15 X in a short period of time like NVDA PLTR did recently , we will sometimes sell 10-15% to reallocate the profits to another one of our companies that is underperforming at the moment., or we move that equity into a “cash like” investment like ARKB, STRC, AMZN, AAPL until we have a place to invest it. We only sell if our research determines there is a better place for the money or if our longterm bull thesis breaks down. We don’t allow emotional decisions into our strategy, we don’t allow volatility to shake our thesis, we scrutinize our bull case on daily basis, and we constantly are mining the risk and bear thesis. You can’t make exponential growth by trading, the research tells us what to do, not the media or our emotions. This rule is especially important during corrections or crashes, we understand that corrections are a part of the game and our investments are in companies solving problems which usually come back to their highs quicker than the benchmark indices. The performance of our Flagship portfolio The G.L.A INVEST “SEXY 6” has consistently achieved this goal in 5 of the last 6 years.
RULE #3 THE PLAYING FIELD (next 5-10 Years):We Believe we are in the beginning stages of the largest innovation / productivity boom in human history which will be driven by AI, ROBOTICS, ENERGY STORAGE, BLOCKCHAIN(Finance) and GENOMIC(Health Care), this growth will spur the largest bull market in history and we believe that the companies that solve the largest problems will have the largest exponential returns. Our research indicates that because of the massive productivity gains and cost declines that will come from AI / ROBOTICS/ Blockchain (automation) ect, the worlds GDP will average above +7% by the end of this decade after averaging +2-3% over the last 120 years. The Industrial Revolution was ushered in by Electricity , The Automobile , and the Telephone which caused a massive step change in the economy. The coming cost declines and growth of productivity will dwarf the previous industrial revolutions and the internet, also the societal impact will be Godly. Those that Invest correctly will benefit immensely. Every part of our strategy was created for this game board of the next ten years.
WE ARE STILL EARLY!!!!
Rule#4 KNOW WHAT WE OWN–We must be obsessed with this rule!! We are longterm investors seeking exponential growth, in order to hold through volatility we need massive conviction. We Make Large Concentrated Investments in 6 -10 Diversified Companies that are innovating and solving the biggest problems of today. We are extremely picky on what we let in our portfolio, we use our proprietary scoring system to screen every company we own and we continue to research our companies very day with the help of our AI Agents. We invest in companies that are big enough to predict (above 2 billion market caps), companies that have strong impenetrable moats to make it nearly impossible for a competitors to penetrate. We Invest in companies with visionary founders (ie Elon Musk, Alex Karp, Michael Saylor ect) that are focused on innovation. Companies that make must have products and services. Companies that have the best risk vs reward profiles where we truly understand the risks. We only invest in companies that have large TAMS (Total addressable markets) and customers. We are very critical about what we let in our portfolios, we only invest in companies that we think can 10X,20X, or 30X or more. We also like companies and investments that wall st doesn’t understand (ie tsla, pltr, mstr). Our advantage is the research, and understanding it before the masses will allow us the continue to outperform. We spend every minute of the day making sure our bull thesis on the market and our top positions are still intact!
Rule#5 We believe that information is the most valuable commodity,We have an unquenchable thirst for research, And INFORMATION finally has been democratized!!! Youtube and X.com a long with the other socials allowed us (The Retail Investor) to have the ability to out study or out research everyone else. We use AI AGENTS that monitor every notable investor, key opinion leaders and every company we invest in- 24/7/365. The research is the courage of our convictions. Always be learning / Always be researching. We strive every day to out learn everyone and to share what we learn with our network/community. A wise man knows he knows nothing.
Rule #6 volatility is a feature, not a bug.Like waves on a boat ride, or traffic at Rush Hour, Corrections are Literally part of the This Game. volatility is the price of admission for outperformance! So Don’t Panic or be Surprised when they happen! 10% corrections happen on average once every 12 months, 5% corrections happen on average every 4 months. We don’t panic or let emotion affect our decisions, we use the corrections to our advantage by Dollar Cost Averaging (DCA). The people who get fearful during corrections don’t know what they own so naturally they panic. Volatility is only bad if you don’t know what you own. Volatility is Vitality. The Big money uses the volatility to manipulate the small money. When something is volatile, it means capital, energy, and attention are actively flowing through it- Proof the asset is attracting participants undergoing value discovery. We Genuinely are happy during periods of high volatility because we love buying our top investments during a sale. The Finance media is brutal with this rule, all of their headlines are designed to gas light retail investors. VOLATILITY TOLARENCE is a Skill we thrive at. Volatility is the price of admission for exponential growth and outperformance.
Rule #7— Miss 10 days, lose half your gains.the majority of stock market gains come from just a handful of unpredictable, high-powered rally days each year. Historical data shows that missing out on only the 10 best trading days annually can slash your returns by more than half, regardless of broader market performance. These outsized surges often follow periods of stress and pessimism, catching investors off guard if they’re sitting on the sidelines waiting for safety. An example of this was during Covid and during the April 2025 tariff correction, sitting in cash is Trash, and we don’t know the bottom until 6 months later, am I right?
Rule #8 The finance Media is not your friend:This is one of the most important rules. JUST LKE CNN and FOX NEWS, Financial media thrives on clicks and attention—remember, “if it bleeds, it leads.” They, along with the financial firms that advertise with them, benefit from keeping investors constantly buying and selling to rack up fees and commissions.
Wall Street analysts are employed by investment banks that profit from your trades. They often portray investing as complex wizardry, pushing the narrative that you need “professionals” to handle it—which is nonsense. What about these so called experts or analysts on Cnbc, how come they never show their record or results??? WHY? Never let sensational headlines or analyst opinions dictate your views.
In today’s world, most of the media is unreliable and heavily opinion-driven, with motives that are not in the retail investors best interest. Approach everything you read or hear with extreme caution: treat it as potential fake news until you’ve verified it yourself. Rely on critical thinking and first principles to uncover the real truths.
Thanks to platforms like YouTube, X (formerly Twitter), Discord, and other social media, information is now democratized. Crowdsourcing research from diverse sources is the best way to find reliable insights. I personally sift through hundreds of long-form videos each week from specialized content creators who are genuine investors with no ulterior motives—unlike traditional finance media. Rest assured, I research tirelessly every day so you don’t have to, and because I love it!
UNFOURTUNETLY,
Most people because they are working hard and raising families, get their opinions from headlines, regardless of where u get ur news, WITH INVESTING WE CANT DO THAT!
One of services that I provide is News Translations and Scam prevention, any time you want me to translate news, or just need a second opinion , dont hesitate to contact me.
Rule #9 We DON’T OVER DIVERSIFY!Our Investment philosophy is a little unconventional, we like to put all our eggs in just a few baskets, and then watch those baskets very closely. We are not investing to make 10-12% like the S&P500 averages, we are investing for exponential growth and compounding interest. We only invest in companies that we believe can 10x 20- 30x over the next 5 -10 years. Investment advisors over diversify to the point that the average account returns 10 -12% on average,(Or very close to the S&P) they are not incentivized to to do deep research, they are only incentivized to not lose you money or to have as little volatility as possible so they can sit back, do nothing and steadily collect the 1-2% they are charging you. Over diversification is for people that don’t know what they’re doing. Wall Street Investment Advisors builds diversified portfolios with low volatility because it benefits the Firms by keeping the investors quiet, while they collect their management fee’s. Instead of over diversifying we invest in diversified companies, which accomplish the same things.
Rule#10 We think outside the box,Too many investors look at the present with metrics like the PE ratio, The present is already priced in. We need to think and visualize 18-24 months from now for what the world is going to be, what securities might trade at. What a company is earning now doesn’t mean anything, its about what the company may earn, IF WE CAN SEE/PREDICT WHAT A COMPANY WILL EARN BEFORE THE MASSES DO, We will continue to outperform. We don’t follow the masses, the masses will eventually follow us. We don’t let the crowd or the media tell us what to do.
Rule#11 We only Invest with money we can afford to lose.– Im not “playing the market” I take this very serious, we Invest with Unshakable Conviction, so we invest. We allocate capital only when our conviction in the opportunity is so strong that temporary drawdowns excite us, not scare us. Every position must inspire the confidence to double down when volatility hits. As Warren Buffett said, “If you don’t want to hold it ten years, you shouldn’t own it ten minutes.” This principle defines our research discipline and portfolio strategy—it’s not just a rule, it’s a mindset.
Rule#12 We constantly “Mine the Risk”Most investors obsess over potential rewards—but our advantage is relentless risk awareness. As a former broker, witnessing every kind of risk up close, it became clear: true success in the markets comes from knowing, hunting, and preparing for risk better than anyone. At G.L.A. INVEST, we make it our daily mission to identify both known and emerging threats. Markets are unpredictable, but preparation is always within our control. We focus on companies entering hyper growth phases only when risk is thoroughly understood and managed. Our bull thesis is challenged every day, and we only exit when the facts change or a better opportunity arises. Risk is not just a checklist—it’s a constant hunt, and it defines how we protect conviction and capital. We Price in unknown black swan events with every investment we do.From the words of The Great Warren Buffet -”We Find Out Who’s Swimming Naked When The Tide Goes Out”
Rule#13 Always consider the tax benefits and pitfallswith all of our investments. This rule emphasizes the importance of factoring in taxes when making investment decisions, as they can significantly impact your net returns. Different investments, such as stocks, bonds, or real estate, are subject to varying tax treatments, including capital gains tax, dividend tax, or interest income tax, depending on your jurisdiction. For example, short-term capital gains (on assets held for less than a year) are often taxed at a higher rate than long-term gains. Additionally, tax-advantaged accounts like IRAs or 401(k)s in the U.S. can defer or reduce tax liabilities, while taxable accounts require careful planning to minimize tax burdens.
Rule#14 The stock price does not determine if it is cheap or expensive This rule emphasizes that a stock’s share price (e.g., $50 or $500 per share) is not a reliable indicator of whether a company is undervalued (cheap) or overvalued (expensive). Unlike a handbag with a fixed price tag, a stock’s share price is influenced by the company’s total number of shares outstanding, which varies across companies and can change due to events like stock splits or share issuances. For example, a company with fewer shares outstanding might have a higher share price, while one with many shares might have a lower price, even if both companies are of similar value.
The true measure of a company’s value is its market capitalization, calculated as the share price multiplied by the total number of shares outstanding. Market cap reflects the total cost to own the entire company, providing a clearer picture of its size and worth.
Rule#15 Never use margin or Leverage of any kind…..Ever,Using leverage or margin to buy more stock is a recipe for disaster; if you live by the leveraged sword, you risk losing everything in a single market swing. Ive seen this play out a million times, nothing fun about margin calls.
Rule#16 Understand the fee’s.Know What You’re Paying For and Why! Always understand the fees associated with your investments. Be clear about how much your advisor or broker charges and what motivates them financially. Some brokers may charge staggered commissions—sometimes up to 5% on a single stock trade—while many financial advisors charge annual fees of 1-2% of your account’s total value, which can add up to a substantial amount over a decade or more. Even seemingly small annual fees can take a big bite out of long-term returns, so review all costs carefully and ask how your advisor is incentivized to act on your behalf.
Rule#16 Opportunity Cost Rule:When making a decision, always consider the value of the next best alternative you’re giving up. Choose the option that maximizes your overall benefit, accounting for both gains and the potential losses from forgone opportunities. Ive seen it a million times , clients will spend time and money on a speculative company which eventually ends bad, when they could have spent time and money on buying something Greater and less risky. I finally learned this rule towards the end of my career as a broker when we lost 8 million in a marijuana company Hexo in 2019. We Can invest in Michael Jordan or a good high school player with potential, we choose MJ!! (TSLA PLTR MSTR NVDA HOOD ARKB MSFT AMZN GOOG). We have to love our investments to the point that black swan events won’t hurt us.
Rule#17 Buy the best, ignore the rest– We need to keep very high standard when allowing a company into our portfolios, we are looking for specific characteristics. INVEST IN THE BEST, IGNORE THE REST, with a little help from G.L.A INVE$T! Knowing what not to invest in is 90% of the battle. Highest conviction possible for our positions.
Rule#18 We don’t invest in ticker symbols, charts, or pieces of paper. We are investing in companies that are changing the world. Companies that have thousands of employees, We Watch the Company and its fundamentals/ News, we dont watch the stocks short term movements to determine if its a good company or not.
MARKETs UPSIDE BIAS
Rule#19 THE MARKETS UPSIDE BIASThis rule highlights that, historically, the stock market spends approximately 83% of the time trading within 10% of its all-time highs. Despite short-term fluctuations, corrections, or bear markets, major indices like the S&P 500 tend to hover near their peak levels more often than not, reflecting the market’s long-term upward bias driven by economic growth and corporate performance. The Stock Market is the only market or store where the customers get scared when there’s a sale. People react like this because the media sensationalizes volatility (If it bleeds it leads). Market Timing or trading works when you get it right, But there are approx zero billionaire day traders, and THE HALL OF FAME FOR MARKET TIMERS IS AN EMPTY ROOM.
Rule#20 Investing is 90% mind set,remembering that we are investors not gamblers or traders is the most important thing. When in doubt zoom out. We are investing in the weighing machine, not the unpredictable voting machine. Everyday we do the research to make sure the future is understood.
Rule#21 The G.L.A. INVEST SECRET GENERATIONAL WEALTH FORMULA– Dollar Cost Averaging(DCA) + Exponential Growth + Compounding interest = Generational wealth. “Compounding Interest is the 8th wonder of the world” – Because of its profound ability to turn small regular investments in substantial sums over time.
Rule#22 THE RESEARCH IS THE COURAGE OF OUR CONVICTIONS!! FIRST PRINCIPLES RESEARCH .At G.L.A INVEST Research, first principles form the backbone of how every investment is analyzed and selected. Instead of relying on market trends, industry hype, or conventional wisdom, we break opportunities down to their fundamental truths, always asking: what is the real, core business opportunity, what barriers exist, and how is the company uniquely positioned to solve them?
This approach means starting from the basics—identifying urgent problems in society, understanding how a company’s products or solutions address those, and rigorously questioning every assumption. By reasoning from the ground up, not by analogy, we avoid fleeting narratives and stay focused on quality, real-world value.
First principles research allows us to build our portfolios to be resilient, unconventional, and centered on exponential growth. It keeps our conviction strong and our process disciplined, so we invest with confidence—even in volatile markets.
RULE#23 INVESTORS WHO INSPIRE US:ARK INVEST,CATHIE WOOD, RAY DALIO, RON BARRON, TOM LEE, PETER LYNCH, WARREN BUFFET, PETER THEIL. TONY SEEBA , JOE LONSDALE, BRET WINTON, ARK INVEST ,Stanley Drunkenmiller, TOM NASH, STEVEN MARK RYAN, TOM NASH, CHRIS CAMILLO, SATOSHI NAKAMOTO -we took our favorite parts from all of the greats a long with our experiences form or perspective and game plan.
RULE #24 THINGS WE DON’T DO OR INVEST WITH. :We Don’t Use Margin, We Don’t over diversify , we Don’t invest in biotechs , we Don’t try to time the market, We Don’t let the media shape our opinions, we Don’t think the finance media or wall street analysts are our friends.We don’t let short term stock moves impact our decisions, we don’t invest in Chinese stocks, We don’t think we know Everything, We don’t believe anything to be true until we finish our research.
Rule #25 The G.L.A. Proprietary Scoring system, aka THE GAUNTLET for Stock analysis For the best risk vs reward investments for the next 5 and 10 years
#1.Companies we Invest In Need To Be Big Enough and developed enough to predict with a high degree of probability. Minimum Market cap of 2 Billion, minimum revenue of $100 million. (There can be rare exceptions). Small companies can go out of business quick during massive changes in the economy and interest rates. We know the opportunity cost, learned from my years as a broker, we are investing for exponential growth over a 5-10 year period, We need the best risk vs reward investments.
#2.Companies we invest in must have visionary founders that are focused on innovation (ie. Elon Musk, Steve Jobs, Alex Karp, Jeff Bezos, Michael Saylor ect), Founders that continue to innovate ,and continue to invest in innovation instead of catering to short term investors with dividends and buybacks.
#3.Companies we invest in make “must have” products and Services (ie. iPhone, amazon delivery, Teslas self driving and robot etc)
#4.Companies we invest in are at the beginning stages of hyper sales and revenue growth, with fortress balance sheets. , produce free cash flow or are in position to start producing free cash flow at high degree.
#5.Companies we invest in must have huge TAMS(total addressable markets).
#6.Companies we invest in must have huge impenetrable Moats to keep competition away.
#7..Companies we invest in Must Have the best Risk vs reward profiles, with Risks we are comfortable with.
#8.We Invest in Companies that are solving major societal problems, ‘The Companies that solve the largest problems will have the largest returns Longterm.”
#9.Companies that have proven investors behind the stock(Ie.Peter theil, Joe Lonsdale, Cathie Wood, Tom Lee, Ron Barron)
#10.Companies wall st doesn’t understand– IE. PLTR MSTR TSLA SPCX, we love when wall st has the wrong narrative.
Not Investment Advice.