On Your Own Terms:
Memos on business, wealth and investments for professionals building what’s next.
Recent Memos:
Featured Memos:
Own Your Work.
And your time.
Hi. I’m Mark Hines.
I left my “good” job overseeing multibillion-dollar investment portfolios to build a one-person business around a lifestyle I enjoy.
I write On Your Own Terms to guide you through informed decision-making—so you can own your work and your time.
3 more ways I can help:
-
Strategic consulting and advisory services for small to mid-sized businesses and investment organizations.
Business Strategy Consulting
Employee Retirement Plan Advisory
Investment Company Strategy Reviews
Portfolio Reviews for Asset Owners (public, private & nonprofit)
-
Customized, goal-focused, long-term investment portfolios and holistic asset allocation.
Public Market Strategies (ETFs, stocks & bonds)
Growth, Income & Capital Preservation
Private Investments (small business & private equity)
Real Estate (primary residence, properties & mortgages)
Tax Considerations & Strategies
Cryptocurrency Caveats
Interest Rates & Market Risk Discussions
Get a Managed Account.*
*Fiduciary investment management services are offered through wholly-owned RIA, Herrick Lake Investments.
Clients may select Charles Schwab or Interactive Brokers to custody their managed accounts.
-
Independent, fiduciary financial advice for professionals building what's next.*
Retirement & Tax Planning (IRAs, 401(k)s, capital gains)
Cash Flow & Income Strategies
Estate Planning & Beneficiary Guidance
Mortgage & Debt Considerations
Health Insurance Planning
Social Security Strategies
Time & Health (family, work, hobbies & causes)
*Fiduciary private wealth services are offered through wholly-owned RIA, Herrick Lake Investments.
Business, wealth and investment advisory for professionals building what's next.
Own Your Work. And your time.
Own Your Work.
And your time.
-
Strategic consulting and advisory services for small to mid-sized businesses and investment organizations.
Business Strategy Consulting
Employee Retirement Plan Advisory
Investment Company Strategy Reviews
Portfolio Reviews for Asset Owners (public, private & nonprofit)
-
Customized, goal-focused, long-term investment portfolios and holistic asset allocation.
Public Market Strategies (ETFs, stocks & bonds)
Growth, Income & Capital Preservation
Private Investments (small business & private equity)
Real Estate (primary residence, properties & mortgages)
Tax Considerations & Strategies
Cryptocurrency Caveats
Interest Rates & Market Risk Discussions
Get a Managed Account.*
*Fiduciary investment management services are offered through wholly-owned RIA, Herrick Lake Investments.
Clients may select Charles Schwab or Interactive Brokers to custody their managed accounts.
-
Independent, fiduciary financial advice for professionals building what's next.*
Retirement & Tax Planning (IRAs, 401(k)s, capital gains)
Cash Flow & Income Strategies
Estate Planning & Beneficiary Guidance
Mortgage & Debt Considerations
Health Insurance Planning
Social Security Strategies
Time & Health (family, work, hobbies & causes)
*Fiduciary private wealth services are offered through wholly-owned RIA, Herrick Lake Investments.
On Your Own Terms:
Memos for professionals building what’s next.
Recent Memos:
Featured Memos:
Hello.
Hi. I used to have a “good” job—working as an institutional investment manager—overseeing billions! But I pretty much hated every single day of it. It wasn’t the people (some of them were great) and it wasn’t the subject matter (I enjoyed the analytical work). It was the constant politics of working for the modern-day large organization—yuck!
So I saved up some cash, resigned from my job (way back in 2015), and set off to make a living writing about my professional expertise online. Brilliant idea—right!?
Fast forward to today. My online product still exists, and it continues to generate meaningful income:
-
I’m sharing my online product as a case study for building and scaling online income. From identifying the power of an appropriate niche market to figuring out branding, pricing, leveraging existing technologies and AI, and ultimately scaling income without scaling your time.
My online product, which I built from scratch, provides plenty of perspective and lessons learned—which I write about in my weekly memo, On Your Own Terms.
What’s more, that online product highlighted an additional area of customer demand—and eventually expanded into my independent advisory business:
-
My advisory business works with professionals building what’s next—whether that means growing an independent business, spending down savings and wealth, or balancing and scaling income from both.
There are right ways and wrong ways to approach these decisions—from an investment and tax perspective, but also from a personal enjoyment and fulfillment perspective. All three matter—a lot.
You can learn more about my advisory business here.
As I continue to build my independent one-person business, I share everything I learn along the way—to help you leverage your own unique background to build simple, scalable income.