Xretech
Business Hours: Mon-Fri 9:00-17:00 PST
Kamloops, British Columbia
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Building Wealth Through Patient Capital

Most people chase quick wins. We teach a different game—one where understanding compound growth, market cycles, and behavioral psychology leads to financial independence. Our program shows you how to think about money across decades, not quarters.

Explore the Program
Investment planning materials and financial documents

Why Time Beats Timing

The markets reward patience, not prediction. We focus on principles that have worked through recessions, booms, and everything in between.

Compounding Works Quietly

Small, consistent actions accumulate into significant outcomes. We show you how to set up systems that work while you sleep—no constant monitoring required.

Behavior Matters More

People lose money not because they lack information, but because they panic or chase trends. Understanding your own psychology is half the battle.

Simplicity Scales

Complex strategies sound impressive but rarely outperform basics done well. We teach straightforward approaches that actually get implemented.

Financial analysis charts and market data
Investment portfolio review session

What You'll Actually Learn

This isn't about hot stock tips or timing the market. Instead, you'll build a framework for making decisions that align with your goals over the long run.

  • Asset allocation strategies that match your risk tolerance and timeline
  • How to read financial statements without an accounting degree
  • Tax-efficient structures for Canadian investors
  • Recognizing when fear or greed is driving your choices
  • Building diversification that actually reduces risk

Classes start September 2025, with cohorts limited to 24 participants. This keeps discussions meaningful and ensures everyone gets individual guidance when needed.

Our Teaching Framework

Real Case Analysis

We dissect actual investment scenarios—both successes and failures. You'll see how small decisions compound and where common assumptions fall apart.

Peer Collaboration

Learning happens through discussion. You'll work with others who have different backgrounds and perspectives, which sharpens your thinking.

Progressive Complexity

Start with foundational concepts, then layer in more sophisticated strategies as you build confidence. No one gets thrown into the deep end.

Practical Application

Each module includes exercises where you apply concepts to your own situation. Theory matters, but only when it translates to action.

Who Guides This Program

Our instructors have managed portfolios through multiple market cycles and understand the difference between academic theory and real-world practice.

Signe Thorvaldsen portrait photo

Signe Thorvaldsen

Portfolio Strategy

Signe spent 14 years building allocation models for pension funds before transitioning to education. She specializes in helping individuals understand risk tolerance beyond simple questionnaires—through actual market simulations and behavioral exercises.

Darya Volkov portrait photo

Darya Volkov

Behavioral Finance

Darya researches why intelligent people make poor financial decisions under stress. Her sessions focus on building awareness of cognitive biases and developing decision-making frameworks that work when emotions run high.

Start Thinking in Decades

If you're tired of chasing trends and want to build genuine financial understanding, our autumn 2025 cohort opens for enrollment in June. Programs run for six months with weekly sessions and ongoing mentorship.