Sam Chen
Former Wealth Advisor & Financial Educator
Spent 7 years at a major bank charging clients 2% AUM fees for cookie-cutter portfolios. Left to democratize financial knowledge and teach people how to self-manage their wealth.
About Sam
At 29, Sam spent 7 years as a private wealth advisor at one of the big banks. He managed client portfolios, charged the standard 2% AUM fees, and watched high-net-worth individuals pay thousands of dollars for advice they could have implemented themselves.
The breaking point came when Sam realized he was selling cookie-cutter portfolios with mediocre returns while retail investors were locked out of the strategies that actually worked. The wealth management industry is built on information asymmetry, and Sam got tired of being part of the problem.
So he left. Now, through Koi Circle, Sam shares the exact strategies he used to charge clients five figures for: tax-loss harvesting, portfolio rebalancing, credit optimization, investment allocation, and financial planning frameworks. His mission is simple: democratize the knowledge that wealth managers gatekeep.
Sam believes everyone deserves access to quality financial education without paying 2% of their net worth every year. If you're willing to learn and put in the work, you don't need a wealth advisor. You just need the right information.
What Sam Teaches
📊 Portfolio Management
Asset allocation, rebalancing strategies, and risk management without paying a wealth advisor
💰 Tax Optimization
Tax-loss harvesting, retirement account strategies, and minimizing your tax burden
🎯 Financial Planning
Retirement planning, goal setting, and building a financial roadmap you can actually follow
💳 Credit & Cash Flow
Optimizing spending, building credit, and maximizing every dollar you earn