Tiempo Capital

Most people focus on income. The institutional takeaway is allocation discipline. Decision lens: Prosperity compounds when you consistently convert earning power into productive capital. Where it shows up: • You treat saving as a system, not a mood. • You reduce “leakage” that quietly prevents compounding. • You align actions with a multi-year horizon rather than short-term gratification. What’s one habit (not a product) that most improves how reliably you “put money to work”? #LongTermInvesting #Compounding #PersonalFinance #WealthBuilding

Graham’s line is a one-sentence lesson in incentives. When something is in season, it’s more visible, more discussed, and often more expensive. When it’s out of season, attention drops, and the decision becomes harder because it feels lonely. The broader principle is not “be contrarian for sport.” It’s to notice when demand, narrative, and timing are doing the thinking for you. A useful constraint: if you only feel comfortable acting when everyone agrees, you’re outsourcing judgment. Question: Where do you most see “seasonality of attention” distort decision quality?

We are proud to share that Family Wealth Report published an article by Juan Carlos Freile, CFA, Managing Partner at Tiempo Capital, on why impact investing is becoming a family office governance question. The central idea is simple: impact investing is not only about aligning capital with values. For family offices, the harder question is whether those values can be translated into a repeatable decision-making system. That requires clarity around mandate, authority, measurement, and review. As family offices become more institutional in scale, governance becomes the difference between intention and execution. See entire article in comments section 👇 Thank you to Family Wealth Report and Theodora Viney for featuring Juan Carlos’s perspective. For informational purposes only. Not investment advice.

Common misread: “Popular = bad.” A better lens: Popularity isn’t the issue—expectations are. When an idea becomes a “darling,” the bar for surprising to the upside often rises. Practical principle (general): Separate two questions: • Is the underlying thing high-quality? • Is the current narrative leaving room for normal imperfections? What’s your best test for telling the difference between a strong thesis and a crowded consensus? #MarketPsychology #ValueInvesting #InvestmentProcess #ContrarianThinking

We are grateful to see Tiempo Capital included among this group of international RIAs. The cross-border wealth management space continues to mature, and this data highlights an important shift: more assets are moving toward independent, fiduciary-driven advisory models. For us, being part of this conversation is meaningful — not as a point of arrival, but as a reminder of the work still ahead. We’re proud to contribute to a market that is becoming more professional, more transparent, and more focused on serving international families with discipline and independence. Thanks Daniel de Ontanon for putting this together!

This is blunt, and useful. The investment process is a sequence of decisions under uncertainty. If emotions set the tempo, the process becomes inconsistent: standards shift, time horizons shorten, and the “story” changes to fit the feeling. A calm way to operationalize Graham’s point is to build a process that reduces emotional surface area: • fewer decisions • clearer rules • deliberate pacing • explicit “what would change my mind” criteria Emotion doesn’t disappear. But it doesn’t have to be in charge. Question: What structural guardrail most helps you keep emotions from rewriting your decision standards? #BehavioralFinance #InvestmentProcess #DecisionMaking #RiskManagement

A second anniversary is a good moment to look back. For us, it is also a moment to recognize how much has been built in a relatively short period of time. In two years, Tiempo Capital has grown to $1B in assets under management, expanded its investment capabilities, and strengthened its team as part of a broader platform designed to serve sophisticated investors with discipline and flexibility. That progress reflects more than growth. It reflects a thesis: that investors deserve access to a broader, more disciplined set of strategies — and a team willing to think beyond the traditional model. None of this happens without trust. We are grateful to our clients, our team, and the partners who have helped shape this platform from the beginning. Two years in, we are proud of the progress. More importantly, we are focused on the work ahead — including the ongoing launch of Tempus Capital as we continue expanding the platform. #TiempoCapital #AssetManagement #Alternatives

Most investors don’t think about Form 2439. The IRS is starting to. The agency’s 2026 “Dirty Dozen” list highlights a growing pattern:  the misuse of Form 2439 to claim improper refunds. At first glance, it’s a niche part of the tax code —  mainly relevant to investors in certain funds and REITs. But its structure — particularly the ability to claim a credit for taxes deemed paid — creates a pathway that can be misused. The IRS has already noted an increase in claims tied to  fictitious entities or even misattributed to legitimate organizations,  making detection more complex. For investors, this isn’t just about understanding the form. It’s about understanding the environment around it. #WealthManagement #TaxStrategy #PrivateWealth #TaxPlanning #InvestmentStrategy

At the institutional level, this translates to: pricing data is abundant; underwriting clarity is scarce. Where it shows up in real decisions: • Teams debate multiples while remaining fuzzy on what truly drives durability. • “Recent price action” becomes a proxy for conviction. • The hardest work—defining what would invalidate the thesis—gets skipped. If you had to defend “value” without referencing the current price once, what would your definition be? #ValueInvesting #FundamentalAnalysis #InvestmentResearch #RiskManagement

This isn’t just a call to “buy the dip.” It’s also a reminder about mislabeling. In periods of panic, price can compress faster than quality changes. The opportunity, when it exists, comes from separating: • what the market is feeling from • what the underlying business is likely to be The nuance matters: not every panic creates value (although most do), and not every company deserves patience. The discipline is recognizing when the pricing error is about emotion rather than impairment. Question: What’s your clearest filter for distinguishing a temporary panic from a fundamental break?