Wesley Pinheiro, CVM Investment Consultant

True wealth is having free time. Money is merely the fuel for that wealth.

  • Consulting for investors seeking validated strategies, detailed analysis, and proven results.
  • Consulting for investors seeking validated strategies, detailed analysis, and proven results.
Wesley Pinheiro, CVM Investment Consultant

True wealth is having free time. Money is merely the fuel for that wealth.

  • Consulting for investors seeking validated strategies, detailed analysis, and proven results.

What I Can Do
For You

I can help you with the following goals

What I Can Do
For You

I can help you with the following goals

What I Can Do
For You

I can help you with the following goals

Investment Consulting

📈
Personalized guidance and support in fixed income, stocks, REITs, FIAGROS, international investments, crypto assets, and startups.

Investment Consulting

Personalized consulting in fixed income, stocks, REITs, FIAGROS, crypto assets, startups, and international investments.
Click to Learn More

Financial Consulting

💰
Personalized guidance and support in financial education, investment initiation, financial planning, tax planning, retirement planning, and estate planning.

Financial Consulting

Individualized consulting in finance, including financial education, introduction to investments, financial planning, tax strategies, retirement, and estate succession.
Click to Learn More

Business Consulting

💼
Support, implementation, and monitoring in business models and plans, cash flow, marketing, budgeting, and financial planning.

Business Consulting

Assistance in the creation, execution, and monitoring of business models and plans, cash flow management, marketing strategies, and budgeting and financial planning.
Click to Learn More

Investment Consulting

📈
Personalized guidance and support in fixed income, stocks, REITs, FIAGROS, international investments, crypto assets, and startups.

Investment Consulting

Personalized consulting in fixed income, stocks, REITs, FIAGROS, crypto assets, startups, and international investments.
Click to Learn More

Financial Consulting

💰
Personalized guidance and support in financial education, investment initiation, financial planning, tax planning, retirement planning, and estate planning.

Financial Consulting

Individualized consulting in finance, including financial education, introduction to investments, financial planning, tax strategies, retirement, and estate succession.
Click to Learn More

Business Consulting

💼
Support, implementation, and monitoring in business models and plans, cash flow, marketing, budgeting, and financial planning.

Business Consulting

Assistance in the creation, execution, and monitoring of business models and plans, cash flow management, marketing strategies, and budgeting and financial planning.
Click to Learn More

9

Years of Experience
9 years of experience
CVM Consultant
Investment Specialist (Anbima)
Business Consultant
Business Administrator
9 years of experience
CVM Consultant
Investment Specialist (Anbima)
Business Consultant
Business Administrator

Transform your assets into results, whether through long-term investments or quick operations in the market.

If you are facing difficulties in achieving your financial goals, don’t worry. Our data-driven solutions are designed to meet the needs of a wide variety of investors.

We develop tailored portfolios and ensure their careful management. This detailed approach is essential to our commitment to helping you generate income and increase your wealth, using everything from more traditional investment options to advanced and profitable tactics.

Did you like the proposal? Schedule an informal conversation and discover how we can collaborate to help you achieve your financial objectives.

Wesley Pinheiro
9 years of experience
CVM Consultant
Investment Specialist (Anbima)
Business Consultant
Business Administrator

"The cost of focusing on short-term tactics instead of investing in long-term strategies is the money you miss out on accumulating over time."

According to studies by the American bank J.P. Morgan, retail investors often fail to outperform simple investments, such as funds that track the S&P 500 and even government bonds (bonds). This happens mainly due to a lack of discipline, ineffective strategies, and attempts at market “timing,” which end up harming returns over time.

Annualized Average Returns from 2001 to 2020

Gross values before taxes and inflation.

According to studies by the American bank J.P. Morgan, retail investors often fail to outperform simple investments, such as funds that track the S&P 500 and even government bonds (bonds). This happens mainly due to a lack of discipline, ineffective strategies, and attempts at market “timing,” which end up harming returns over time.

Annualized Average Returns from 2001 to 2020

Gross values before taxes and inflation.

In 2014, the brokerage firm Fidelity made an interesting discovery: its most profitable clients were those who simply did not touch their portfolios, whether because they forgot they had an account or because they had passed away. This fact reveals a valuable lesson about the behavior of retail investors, who often sabotage their own results by making emotional decisions, trying to predict market movements, and preferring short-term tactics over well-structured strategies.

This incessant search for “must-have opportunities” leads many to build their portfolios randomly. They buy stocks, apply trading systems, and invest in various funds, but without considering how these assets complement each other. The result is a “mishmash” portfolio—disorganized and lacking a clear direction—similar to a sandwich with chocolate, sashimi, and pork cracklings—no matter how much you like each one, they just don’t work together.

This behavior is common among investors who focus on each individual asset but neglect the impact that their combination has on the volatility and returns of the portfolio as a whole. Without coherent planning, the investor ends up suffering from unnecessary fluctuations and results that fall short of expectations. Building a portfolio requires more than just selecting good assets in isolation; it’s essential to create a balanced portfolio aligned with your financial goals.

"The average investor chooses their assets as if they were at a buffet of financial options, and without a clear strategy, they end up with a 'messy' portfolio that doesn't yield results."

Real Profits (Above Inflation) Accumulated Over 20 Years

With an investment of $1 million, the average investor earned 4 to 10 times less than basic strategies in the American market.

Every choice in the financial market comes with an opportunity cost. When you decide to invest randomly, without a clear strategy, you are passing up the chance to use that same capital in something more planned and potentially profitable. Each time you opt to follow an unknown or untested setup, perhaps suggested by an acquaintance or an unreliable source, you are giving up a more consistent and predictable gain that could be achieved with a proven strategy. This behavior has an opportunity cost that, in the short term, may seem small. It might be a loss of 1% or 2% per year. However, the impact of these “small” mistakes over time is significant. The financial market rewards consistency and patience, and the difference between following a well-thought-out strategy and making impulsive decisions can be colossal. A study from J.P. Morgan showed how these seemingly harmless small choices can greatly harm long-term returns. Over a 20-year period, an average investor who started with $1 million would have only made $172,000 in profit, a result far below what could be achieved with simpler and more disciplined approaches. More efficient strategies could have multiplied that amount, yielding returns of 4.08x, 7.67x, and even 10.8x more than what that average investor achieved. This illustrates the enormous difference that well-structured planning can make over the years. Time, combined with an effective strategy, can turn small gains into extraordinary returns. Therefore, every decision in the market needs to be carefully considered, because the cost of missed opportunities can be greater than one might think.
Real Profits (Above Inflation) Accumulated Over 20 Years

With an investment of $1 million, the average investor earned 4 to 10 times less than basic strategies in the American market.

"We apply data science and statistics to develop simple and effective strategies, helping our clients move beyond frustration and achieve solid results."

Smart Investments: Our Methods in Action

We develop customized portfolios based on academic research, in-depth analysis, and continuous backtesting, ensuring informed decisions and consistent results.

Do you plan to retire?

Start investing early!!

Examples:

If you begin investing R$1,000.00 per month with the goal of retiring at 60, considering a gross monthly return of 1% (without accounting for INFLATION), you would have:

Starting at 50: R$232,339.10

Starting at 40: R$999,147.92

Starting at 30: R$3,529,913.77

Starting at 20: R$11,882,420.24

Starting at 10: R$39,448,923.10

Smart Investments: Our Methods in Action

We develop customized portfolios based on academic research, in-depth analysis, and continuous backtesting, ensuring informed decisions and consistent results.

Do you plan to retire?

Start investing early!!

Examples:

If you begin investing R$1,000.00 per month with the goal of retiring at 60, considering a gross monthly return of 1% (without accounting for INFLATION), you would have:

Starting at 50: R$232,339.10

Starting at 40: R$999,147.92

Starting at 30: R$3,529,913.77

Starting at 20: R$11,882,420.24

Starting at 10: R$39,448,923.10

"From simple investments to sophisticated trading strategies, we combine accurate data and empathy to transform market confusion into opportunities that benefit you."

Results from
Clients

Results from
Clients

See what my clients say about me.
Brokerage Advisory vs. Free Time Consulting

Brokerage Advisor

It’s similar to the salesperson who greets you when you enter a clothing store: they present various options, check stock, clarify doubts, and facilitate your purchase.

Facilitate customer access to the investment products available at the brokerage, offer new products, and provide daily support.

Commission-based. The advisor earns commissions on the investment products they sell to clients. Since fixed salaries are rare in this profession, it’s essential to sell frequently or focus on higher-commission products, such as IPOs or COEs (which can generate up to 3% in commission).

Pros:
  • The client does not pay the advisor directly, as commissions are automatically deducted.
  • This service is more accessible for beginners starting to invest with little capital.
Cons:
  • There is a conflict of interest, as the products that generate higher commissions for the advisor are not always the best investments for the client.
  • Advisor turnover is high, making it difficult for clients to maintain a continuous relationship.
  • Advisors are not responsible for guiding clients on personal finance, financial planning, and long-term strategies, which can be a drawback for those seeking to optimize their results.

Free Time Consultant

It’s like a tailor who takes your measurements, helps define your style, discovers your preferences in fabrics, patterns, and colors, and creates a custom wardrobe from scratch.

Define the client’s profile, creates a personalized investment plan, assists in executing and maintaining that plan, teaches strategies, recommends specific assets in the appropriate amounts, advises on financial decisions, and provides daily support.

Fee-based. We receive compensation based on a small percentage of the client’s assets and are prohibited from accepting any commissions.

Pros:
  • Premium service that is quick and frequent, ideal for those who require more care with their money.
  • Absence of conflicts of interest; the consultant earns more only when the client also profits or increases their assets under management, ensuring satisfaction.
  • Focus on data-driven strategies and studies, perfect for those who prefer a more rational approach to their financial decisions.
Cons:
  • For investors with little capital, the cost may be higher than that of conventional advisory services.
  • It’s essential to understand the client well to define the best strategies, which can be challenging, especially for those uncomfortable discussing financial issues.
Brokerage Advisory vs. Free Time Consulting

Brokerage Advisor

It’s similar to the salesperson who greets you when you enter a clothing store: they present various options, check stock, clarify doubts, and facilitate your purchase.

Facilitate customer access to the investment products available at the brokerage, offer new products, and provide daily support.

Commission-based. The advisor earns commissions on the investment products they sell to clients. Since fixed salaries are rare in this profession, it’s essential to sell frequently or focus on higher-commission products, such as IPOs or COEs (which can generate up to 3% in commission).

Pros:

  • The client does not pay the advisor directly, as commissions are automatically deducted.
  • This service is more accessible for beginners starting to invest with little capital.

Cons:

  • There is a conflict of interest, as the products that generate higher commissions for the advisor are not always the best investments for the client.
  • Advisor turnover is high, making it difficult for clients to maintain a continuous relationship.
  • Advisors are not responsible for guiding clients on personal finance, financial planning, and long-term strategies, which can be a drawback for those seeking to optimize their results.

Free Time Consultant

It’s like a tailor who takes your measurements, helps define your style, discovers your preferences in fabrics, patterns, and colors, and creates a custom wardrobe from scratch.

Define the client’s profile, creates a personalized investment plan, assists in executing and maintaining that plan, teaches strategies, recommends specific assets in the appropriate amounts, advises on financial decisions, and provides daily support.

Fee-based. We receive compensation based on a small percentage of the client’s assets and are prohibited from accepting any commissions.

Pros:

  • Premium service that is quick and frequent, ideal for those who require more care with their money.
  • Absence of conflicts of interest; the consultant earns more only when the client also profits or increases their assets under management, ensuring satisfaction.
  • Focus on data-driven strategies and studies, perfect for those who prefer a more rational approach to their financial decisions.

Cons:

  • For investors with little capital, the cost may be higher than that of conventional advisory services.
  • It’s essential to understand the client well to define the best strategies, which can be challenging, especially for those uncomfortable discussing financial issues.

How to Start?

How to Start?

The first step to optimizing your portfolio starts here.

If investing rationally to ensure a more prosperous and secure future is important to you, I invite you to click on “Let’s Talk” and fill out the form to schedule a chat on Zoom.

During our conversation, we will discuss your current portfolio, your goals, desires, and concerns. This way, we can clarify whether consulting is truly the best option for you.

If you are not satisfied with the growth of your assets and feel there is room for improvement, this meeting could be extremely useful and generate valuable insights.

I look forward to hearing from you!

P.S.: Don’t forget to read the green columns to understand how the process works.

Ready to Start?

Click the button below, fill in your details, and as soon as possible, I will get in touch.
1st Filling out the Form:
Read More
Once filled out, you will be contacted to schedule a meeting via Google Meet.
2nd Diagnostic Meeting:
Read More
Here, I aim to get to know you better to understand your needs and determine if consulting makes sense for you. If it does, we’ll move forward...
3rd Investment Proposal:
Read More
After creating a tailored financial plan, I’ll reach out to schedule the presentation. If you like it and want to get started, we’ll discuss the details then.
4th Portfolio Implementation:
Read More
Here, I perform all the calculations and analyses to determine the assets and amounts for your new portfolio, and I guide you through the implementation.
5th Ongoing Monitoring:
Read More
In daily operations, I closely monitor your portfolio and provide 24/7 support.
1st Filling out the Form:
Read More
Once filled out, you will be contacted to schedule a meeting via Google Meet.
2nd Diagnostic Meeting:
Read More
Here, I aim to get to know you better to understand your needs and determine if consulting makes sense for you. If it does, we’ll move forward...
3rd Investment Proposal:
Read More
After creating a tailored financial plan, I’ll reach out to schedule the presentation. If you like it and want to get started, we’ll discuss the details then.
4th Portfolio Implementation:
Read More
Here, I perform all the calculations and analyses to determine the assets and amounts for your new portfolio, and I guide you through the implementation.
5th Ongoing Monitoring:
Read More
In daily operations, I closely monitor your portfolio and provide 24/7 support.

"In the circus of opinions and emotions in the market, numbers act as the 'mute' button, silencing the noise and allowing us to make more rational decisions."

Free Time
Consulting
Free Time
Consulting