👋Hi! My name's Kyle Frost.
I'm the owner of Millennial Independent Advice and maybe your new money nerd :)
Full disclosure: my Zoom waves good bye are especially awkward.
I grew up in Newcastle (NSW) and, always obsessed with numbers and finance, I finished my finance under-grad degree in 2013.
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Early on I saw how much conflicts and incentives shape the guidance people get, and I've seen independence as a non-negotiable ever since.
I started working in financial services in 2013 whilst finishing my degree at an accountancy firm in Gosford (NSW) where I worked until 2016 learning the ropes and in 2015 I also finished my post-grad degree.
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In 2016 with motivation from my girlfriend (now wife) Amy who was working in Sydney, we moved down the freeway where I worked at a few awesome firms before starting my own business wanting to work with people being ignored by the financial services industry and not do things just because it was the industry norm.
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Along the way I built my own modelling spreadsheet out of necessity. Most of the industry's software is geared towards retirees and none of the apps could model what people building wealth actually need, so that's what I use with every customer today.
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From time to time I'm not thinking about finance and when I'm not I'm usually either: playing Connect 4, backgammon or bingeing a series with Amy (hopefully true crime), playing sport (tennis, running, cricket or soccer), watching NRL (go Knight's) or thinking where I can go skiing next.
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Why independence matters
Investment legends Warren Buffett and his partner Charlie Munger have a few quotes I love.
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They sum up why I'm passionately independent and only ever paid by my customers:
When a person with money meets a person with experience, the one with experience ends up with the money and the one with money leaves with experience.
What witch doctor has ever achieved fame and fortune by simply advising "take two aspirins"?
Show me the incentive and I will show you the outcome.
Don't ask the barber whether you need a haircut.
I think I’ve been in the top 5% of my age cohort all my life in understanding the power of incentives, and all my life I’ve underestimated it.