In the rapidly evolving world of financial services, staying ahead of the curve isn’t just an advantage—it’s a necessity. Eric Tomaszewski, a financial advisor at Verde Capital Management, embodies this principle, having been an early adopter and advocate for cryptocurrency and blockchain technologies in the financial planning landscape.
The Road Less Traveled: A Fiduciary Approach
Eric’s journey into the world of digital assets began unexpectedly in 2016 when a client introduced him to Ethereum. What started as a research assignment quickly became a pivotal moment in his career. Unlike the majority of financial advisors who remained skeptical, Eric saw the revolutionary potential of blockchain technology.
His approach stands in stark contrast to traditional financial services. Eric explains that about 90% of the financial industry consists of brokers and insurance representatives who operate on a commission-based model. In contrast, Verde Capital Management belongs to the 10% of firms that operate as fiduciaries—a crucial distinction that means they are legally obligated to work in their clients’ best interests.
Beyond Numbers: A Holistic Financial Philosophy
What sets Eric apart is his holistic view of financial planning. He doesn’t just manage investments; he helps clients become the best versions of themselves. This philosophy goes beyond mere financial metrics, considering intellectual, spiritual, and personal growth.
“Our mission is about tying money and tokens to life fulfillment,” Eric explains. This approach recognizes that every client is unique, with different risk tolerances, goals, and emotional relationships with money.
The Evolving Landscape of Digital Assets
Eric sees significant transformations in the cryptocurrency and blockchain space. He highlights several key trends:
- Regulatory Maturity: Increased government engagement and a more supportive regulatory environment, particularly in the United States.
- Institutional Adoption: Major financial institutions like BlackRock, Fidelity, and Vanguard are increasingly exploring digital assets.
- Technological Integration: Improved user interfaces and potential AI integrations.
- Market Consolidation: An expected reduction in the number of blockchain chains, with only the most scalable and adaptable surviving.
Advice for Financial Professionals
For financial advisors and professionals looking to understand cryptocurrencies, Eric offers practical advice:
- Regularly review industry updates
- Use platforms like DeFi Llama and Token Terminal
- Attend crypto and blockchain conferences
- Network with crypto professionals
- Consider specialized certifications like the Digital Assets Council of Financial Professionals (DACFP)
The Future of Traditional Finance and DeFi
Eric views the relationship between traditional finance and decentralized finance (DeFi) as increasingly integrative rather than competitive. He sees favorable potential for collaboration, with traditional financial institutions exploring stable tokens, blockchain technologies, and more decentralized approaches.
Investment Strategies for the Modern Investor
A key recommendation from Eric is the importance of index investing and diversification. Rather than trying to time the market or pick the next big investment, he advocates for broader market access through index funds.
For crypto specifically, he suggests a measured approach:
- Understand your personal risk tolerance
- Educate yourself continuously
- Consider digital assets as part of a broader, diversified investment strategy
Personal Insights and Background
At Verde Capital Management, Eric and his team manage approximately $550 million in assets. Their approach is deeply personal, focusing on creating customized strategies that align with each client’s unique life goals and risk profile.
Closing Thoughts
The world of finance is changing rapidly, and professionals like Eric Tomaszewski are at the forefront of this transformation. By embracing new technologies, maintaining a client-first approach, and continuously learning, financial advisors can provide more comprehensive and forward-thinking guidance.
Connect with Eric
For those interested in learning more, Eric is active on:
- LinkedIn: Eric Tomaszewski, Verde Capital
- Website: verdeacm.com
- Email: eric@verdeacm.com
- Twitter: @digitized_eric
The future of financial planning is not about predicting the next big thing, but about understanding how emerging technologies can help clients achieve their life goals. As Eric demonstrates, it’s a journey of continuous learning, adaptation, and human-centered service.
