BRAD RAINES

Principal Investment Advisor

Here at Applied Capital

In 2013, I founded Applied Capital, a SEC Registered Investment Advisor (RIA) firm focused on providing an efficient platform for competent and ethical advisors to better serve their clients. Applied Capital has continued to grow by adding a second location in Nashville, TN, in 2015. We have built an incredible team of investment advisors and support staff focused on refining the process of investing and financial planning.

Whether I’m working with physicians, professionals, business owners or retirees, I strive to first understand my client’s entire financial picture so I can create a customized plan to meet their unique needs. Prioritizing quality over quantity, my personal financial practice has been built with the freedom to spend a generous amount of time working with each client to develop long-term relationships. Under the fee-based compensation structure, my financial motivation is directly and transparently linked to the performance of my client’s accounts and realization of their financial goals. My ideal clients are those with a high income and willingness to save while outsourcing or partnering on the investment management process.

Now with 18 years of experience as in investment advisor, I look forward to continually evolving Applied Capital and leveraging innovation to deliver greater value to my clients. One of my favorite quotes by Henry Ford says “The man who will use his skill and constructive imagination to see how much he can give for a dollar, instead of how little he can give for a dollar, is bound to succeed.”

Client capacity could be the most overlooked component of a financial advisor’s practice. Most investment advisors prioritize quantity over quality as the shortest path to increasing their personal income. That approach unsurprisingly leads to an overcapacity issue with hundreds or even thousands of clients where the effective level of attention cannot be given to each client and their investments. At this point in my career, I am careful to only work with clients who are serious, long-term investors committed to investing productively versus betting on hopeful, short-term predictions. I often bring up the analogy of the gambler and casino, while encouraging my clients to shift their mindset more toward the latter to capture full market returns over time while avoiding unnecessary risk.