I want to share something deeply personal with you—an uncomfortable truth about my industry, and the story behind the creation of Step Into Your True Wealth. This program is designed to help you achieve a happier, healthier, and wealthier life.

 

My name is Ethan Ho. I’m the founder of Kala Capital, a registered investment advisory firm, and a practicing CFP®. For the past decade, I’ve been dedicated to helping individuals, families, and small businesses with their financial planning and investment needs.

 

In 2019, after a particularly challenging day at the office, an idea was born. That day, I met with five families, each facing their own financial battles:

1. A couple so financially strained that bankruptcy seemed inevitable.

2. A heartbroken widow, overwhelmed with grief and terrified about her financial future.

3. A new client who discovered a major error in their retirement plan, delaying their dreams of a comfortable retirement.

4. A young father choosing between buying diapers or dinner for his son, while overpaying for life insurance.

5. A 72-year-old multimillionaire whose only regret was not starting to invest sooner.

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These stories, and countless others like them, weighed heavily on my heart. I realized that most financial problems could be avoided or managed with a little forethought and action. Yet, people typically seek help only when they're in pain. Financial advisors are not magicians, and fixing money problems takes time.

 

I started to question: How can I help people proactively avoid common money problems? How could I equip hardworking, growth-minded professionals with the essentials to increase their long-term financial success affordably? How could I inspire them to act proactively without the high costs of a financial advisor?

 

Step Into Your True Wealth is my answer. It’s a culmination of over a decade of experience, designed to help you save time, money, and stress by focusing on one single objective: implementing a clear, simple, and automated money management system customized to your needs, values, and goals.

 

Imagine being able to travel the world guilt-free, knowing you’re not robbing your retirement. Imagine donating to your favorite charity as a tax strategy, quitting your job to start your dream business without racking up debt, sleeping well knowing your financial affairs are in order, and ensuring your family is financially taken care of, no matter what.

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Step Into Your True Wealth is a step-by-step guide to creating your own money management system. It’s not a dry finance class or a get-rich-quick scheme. It’s a practical guide with a balanced perspective, addressing your biggest financial opportunities and threats to set you up for a lifetime of financial freedom, security, and control.

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My hope is to help you prepare financially so you can avoid costly mistakes, stress less, and live more. The secret lies in starting early, having a system, and building a strong foundation during the process of creating and implementing your system.

 

By taking action, following my steps, and using the tools provided, you will be well-equipped to build a roadmap for success. This can be one of the most important journeys of your life.

 

Thank you for allowing me to be part of your financial journey.

 

 

Your Financial Advocate,

 

Ethan Ho