Eric Seto, CPA, CIM

For High-Net-Worth Investors Approaching or In Retirement

The $40,000 Trap:
Why the 4% Rule Is Failing Modern Retirement Portfolios

Educational Disclosure
This session is provided for educational and informational purposes only. It does not constitute investment advice, an offer to sell, or a solicitation to purchase any security. No investment products or private funds are being offered on this page.

Eric Seto, CPA, CIM
Founder & CIO, BranchPoint Asset Management
Former KPMG CPA | M&A & Data Science Background

Why the traditional retirement model is breaking...

  • Why millions of dollars can still produce fragile, insufficient retirement income
  • Why most portfolios are optimized for accumulation — and quietly fail at distribution
  • Why professional capital abandoned the 60/40 framework long ago when income became the goal
  • How institutional strategies are structured to survive bull, bear, and flat markets
  • Why retirement success is governed by the worst moments — not the best years
  • How modern machine-learning systems are increasingly used to reduce risk, not amplify it
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Meet Your Instructor:

Eric Seto is a CPA and Chartered Investment Manager with over a decade of experience across accounting, tax, M&A, and quantitative research.

He began his career at KPMG, working across Canada, the U.S., and Asia, advising on audit, tax, and billion-dollar M&A transactions for private equity funds.

He later led data science and machine-learning initiatives for professional teams and has taught investing, finance, and analytics to hundreds of students and professionals.

Today, his work focuses on how institutional tools, alternative strategies, and machine-learning frameworks can be used to rethink income-focused portfolios.

This session is designed for:

  • Investors approaching or in retirement
  • High-net-worth individuals focused on income planning
  • Professionals exploring alternatives beyond stocks and bonds
  • Investors curious about how hedge funds and institutions approach cash flow
  • Those who want to understand how AI and machine learning are being applied to investing
  • Individuals seeking a more capital-efficient approach to retirement income

Access the Free Education Session:

Disclaimer

This presentation and all related materials are provided for educational and informational purposes only and are not intended as investment advice, financial advice, tax advice, or legal advice.

Nothing on this website or in this education session constitutes an offer to sell, or a solicitation of an offer to buy, any securities or investment products.

Any references to investment strategies, asset classes, market behavior, machine-learning methods, or portfolio frameworks are general in nature and are not tailored to the financial circumstances, objectives, or risk tolerance of any individual.

Discussions of private funds or alternative investments, if any, occur only in separate, gated, investor-only briefings using approved offering materials and are available solely to eligible investors.

Past performance, hypothetical examples, and market illustrations are not indicative of future results. All investing involves risk, including the possible loss of principal.

Eric Seto, BranchPoint Asset Management, 5mininvesting.com, and affiliated entities do not provide individualized investment recommendations through this education session. You should consult with your own professional advisors before making any financial decisions.

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