Founded in 2015 by industry veterans, Totum Wealth is the preeminent FinTech company that brings a holistic understanding of risk to transform wealth management. Having worked with the largest pension, endowment and sovereign wealth funds in the world, we observed that the best institutional investors all have a detailed understand of risk. We investigated why don’t individual investors do the same, only to find that robust risk tools that think about personal risk exposures holistically simply didn't exist. So, we built Totum.
With traditional risk surveys and robo advisors, retail investors often complete a crude or hypothetical risk appetite questionnaire, and thus are often placed into a generic portfolio that is not suitable or they do not understand. However, as Totum quantifies Risk Capacity using the multifaceted Human Capital Factors and financial goals that are unique to each household, financial advisors and their clients can have a clear understanding of their true risk needs and are empowered to make informed decisions.
Min Zhang, CFA
Prior Life: PIMCO, Stanford GSB
Human Capital: artist, sailor
Co-founder and Managing Partner
Prior Life: Causeway Capital Co-Founder
Human Capital: skier, proud father of three
Prior Life: FinTech, Schwab, Morningstar
Human Capital: competition, family
Prior Life: Lead several software development teams
Human Capital: millions of App Store downloads
Head of UI/UX
Prior Life: Designer of products used by millions of people
Human Capital: surfer, world traveler