Before the numbers, the story.

I grew up in Machadinho, in the countryside of Rio Grande do Sul, in a home where money was almost never discussed — not out of taboo, but out of scarcity. My mother put her children's education above everything else, and it was there, without my realizing it, that what I teach today began.

I learned finance the hard way: through practice, through mistakes, through necessity. What drove me was seeking knowledge without waiting to be asked, and going beyond what each role required. That path took me from modest beginnings to becoming a Certified Financial Planner and, today, to the table with families who have built substantial wealth.

From that origin came a certainty that guides all of my work: money was never about numbers. It is about what it protects, what it allows, and the fear it removes — or imposes. That is why I always begin with the family's story and decisions, not with technique.