On³: "On Cubed" is a simple formula that empowers you to take control of your investments and create financial independence through science.

1st Power: You

Unfortunately, many smart people deviate from the qualities that lead to wealth creation when they start investing their hard earned capital. Following are a few signs that you are betraying your business common sense:

• Bad investments are considered "unlucky" and profitable decisions are attributed to skill;
• Emotionally buying stocks as the price rises and selling them as the price falls;
• Attempting to time stock buys and sells with a "crystal ball";
• Fundamental conflicts that would be unacceptable in your business are ignored in your investment strategy; and
• Your "advisor" dispenses investment advice and profits with every trade.

Creating wealth is not typically a lucky endeavor nor should creating sustainable positive investment returns year after year be left to chance. Your investment strategy should reflect some of the qualities that initially created the environment for your success: sound strategy, proper capital allocation, informed decision making and discipline.

You are the 1st Power, and once you apply the same skills that led to your business success to your investment strategy, you begin a brisk and empowering journey to financial independence.

2nd Power: The Markets

The free capital markets of the world have soundly proven they "work" by their near ubiquity and by providing consistent rewards over long periods of time to those who risk the capital. This world market of stocks competes for the capital of investors and these investors compete for the greatest returns. Investors can expect greater returns by accepting greater amounts of risk, while less risk yields lower returns. There's no magical formula, but there are proven strategies.

Active fund managers assume the markets do not work and try to exploit them by attempting to predict the future and by seeking pricing irregularities. Over time, most fund managers under-perform the indices; the success of the few who outperform the indices can best be attributed to luck. A significant number of funds perform so poorly they change styles or close. The inarguable, consistent historical growth and proliferation of free capital markets worldwide is clear evidence that these markets are potent, thriving and efficient.

The markets are the 2nd Power; by flowing with them and not against them, you can earn significant long term rewards at your specific risk tolerance level.

3rd Power: Oncubic

Oncubic is a fiduciary and therefore has no conflicts with our clients. We earn our fees based upon the dollar amount of participation and receive absolutely no remuneration or benefits from anyone or anything else. Oncubic's investment strategy is based on the long term, historical performance of free markets and rests in quantifiable science, not on tea leaves and animal entrails.

Oncubic is a gateway to investment vehicles derived from the peer reviewed research and applications of some of the leading economists of the world, many of them Nobel laureates, via Dimensional Fund Advisors ("DFA"). By taking Oncubic's Risk Assessment you provide us with important information regarding you, your goals and your investing experience so that we may match you to a portfolio of index funds with the proper asset allocation for your risk tolerance profile.

Oncubic also offers complimentary performance and tax reporting as well as a quarterly newsletter. If you have a net worth of more than $3,000,000 and require more comprehensive advice, we offer a referral to one of our parent wealth management companies, Capital Financial Advisors, LLC,  located in San Diego County, or Leonard Wealth Management, Inc. located in Los Angeles County.  In total, these firms manage over $400,000,000. For those with a net worth less than $3,000,000, we will refer you to an hourly Certified Financial Planner ("CFP").

Oncubic is the 3rd Power and the final component of the On³ equation. The synergy of You, the Markets and Oncubic is a formula from which you can be accelerated to financial independence.