It's Here

This is tmrw — a weekly note on money, decisions, and what tends to matter over time.

Powered by Fjell Capital.

I started this year writing that defense is the best offense.

Here is what that defense looks like. This is the start of a knowledge layer at a typical small business that AI agents and humans will use in the future.

You'll notice the hundreds of connections with centralized hubs that create structure. The ring around the core hasn't been filtered in yet. Information flows between the nodes the way a brain does, not in a line, but through a web of relationships. To retrieve something, you find the big nodes and follow the path toward what you need.

This knowledge layer is from just a few months of work at Fjell Capital, the company I founded in 2020. We're barely scratching the surface and I would imagine this knowledge layer to be exponentially bigger by year end. The AI future isn't an idea for us, nor is it something we invest in while pretending we understand how it all works. It's the future of business, and we intend to be at the forefront of it in the wealth industry, safely, securely, and wisely leveraging the tool for better client outcomes.

While this seems to be complex, and it is, it's really our way of answering what I wrote last week in the "Illusion of Control" piece. And as I wrote in "Simplicity Scales" last month, this is complex yet it leads to a simpler and more impactful business in the long run.

This leads to a small change I am making in how this newsletter works. After three and a half years without missing a week and over 150,000 words written across 165+ editions, I'm stepping back from the weekly cadence and will be sending you editions without a formal schedule.

Things in markets, technology, personal finance and business are changing at a speed I've never witnessed before. Our team exists to serve our clients as fiduciaries. It's the highest calling in service, and our focus needs to be on them and on the select families we are bringing on board this year.

While this is a change, I have some things coming in the months ahead that will matter for you and your family as we move into this new era.

As always, I greatly appreciate your time and attention, and remember, the best is still ahead.

Tom

If you’d like to talk through how this applies to your own financial life, you can learn more about our work at Fjell Capital here.

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