Tectonic Shifts In Fintech

Below are some quick thoughts. Several earlier fintech companies found success, with younger adults being solid customers. Today, we see newer companies target teens and kids through several gifting platforms that have closed rounds the past few quarters (i.e., UNest). This is good, but it will be difficult for those companies to scale over time… Continue reading Tectonic Shifts In Fintech

Early Stage Company Nomenclature + Rounds

Two things are popping up more and more in 2021: 1) I get a fair amount of questions about equity and where it should land for first-money-in through the mentoring I do for early stage companies. Unfortunately, it’s not a straightforward answer. 2) Round inflation is real. It really doesn’t matter if you mark your… Continue reading Early Stage Company Nomenclature + Rounds

FinTech Subscription Metrics (Acorns)

There is a lot of capital being poured into the consumer fintech space. And there seem to be an ever increasing number of larger scale unicorns who have yet to go public. More and more companies are waiting to ‘exit’ and the average time staying private has been increasing. This means that there are a… Continue reading FinTech Subscription Metrics (Acorns)

WTH is a TAMP

The TAMP is back in vogue (it never really went out, to be fair). A TAMP is a Turnkey Asset Management Program.  The official term is loose, and no 'one size fits all' approach pegs all business models together. There are multiple types of TAMPs: from least to most sophisticated are (1) mutual fund wrap… Continue reading WTH is a TAMP

Pandemic Valuations (?)

"We've" been waiting for a market correction over the past few years and I believe it has come. Hard stop. Regardless of when this global pandemic settles, the markets won't pop back and reset to what it was. With that, I am curious where startup valuations will land. Right now most high-growth B2B SaaS companies… Continue reading Pandemic Valuations (?)