Financial planners discover the beauty and intricacies of money. Our field is one that pushes the scope of the financial marketplace with multidisciplinary tactics and human spark. Financial planning, though is more than money, it is the gateway for helping people reach their goals and ideal lifestyle. We help people in times of hardship and in times of joy. The financial planning field is human, practical, and complex. At Jacobi Capital, our vision for financial planning is rooted in theory and executed with logic, kindness, and compassion. Let us take you on a journey to show you why financial planning is our passion and how our team has built it into something beautiful.

Who is Carl Jacobi?

Bear with us here while we get a little detailed, but Carl Gustav Jacobi was anything but an ordinary man. Numbers fueled this 19th century mathematician, drove his creativity, and pushed him to look at the world in a new way: inversely. From a young age, Jacobi displayed promising signs of ingenuity and innovation with numbers. By 13 he was ready to attend the University of Berlin, but due to the strict age requirement, he was forced to wait until he was 16 to enroll. The delay did not stop him from continuing his education with his uncle who eagerly acted as his tutor. After studying mathematics for 2 years at the University of Berlin, Jacobi became qualified to teach math, Greek, and Latin. His doctoral dissertation and his early studies focused on his work with elliptic functions; he discovered that elliptic functions can be obtained by inverting elliptic integrals. Later, in 1832, he proved that hyper-elliptic functions could also be obtained by inverting their integrals. His work with inversion eventually steered him towards the discovery of the property and function of determinants, which led him to be one of the most well-known and respected mathematicians in the world.

Why has he inspired us?

Now let’s simplify Jacobi’s complex theory of inversion got us thinking – What if we looked at things backwards to forward instead of forward to backwards? How can we reverse engineer financial planning?

This approach influenced the way we think about financial planning – we picture our clients at their goal and imagine all the paths they could have taken to get there and the possible roadblocks they could have encountered along the way. That is what we are all about. We seek to find new ways to solve problems, and in order to do that you have to invert them. By looking backwards, we are actually able to expand the possibilities for our clients and can be more creative about solutions and methods moving forward, while trying to avoid any pitfalls that may occur during the journey. Inverting these problems opens us up to looking at situations in a new way, from a new perspective. Too often, we get caught up in our own way of thinking. This process forces us to step outside of the box and confront the possibilities ahead.

What methods can be applied to financial planning?

We took Jacobi’s theory of inversion and turned it into our strategy for financial planning “what if…then what?” By applying this basic question structure to our client’s financial needs, we are able to devise practical solutions for moving forward. Sometimes looking backward is a great indicator of the future. History rewrites itself and by opening up to the past, or what lay behind, we are able to carve out an even brighter future. Even Charlie Munger, Vice Chairman of Berkshire Hathaway recognized the value in Jacobi’s way of thinking and joked, “All I want to know is where I’m going to die, so I’ll never go there.”

That is why Jacobi is proudly displayed as the name of our business, reminding us of the key tenet our practice is built on. Strength, compassion, and care come from letting in new perspectives. We always try to keep this mission at the forefront of what we do. By living out our mission and applying our “what if…then what” strategy with each client, we are setting our client’s up for the freshest ideas and the most potential for success.

As Jacobi said to one of his students “Invert, always Invert,” so too do we turn financial needs on their heads to see how we can best come up with a plan for growth and progress. Financial planning is a complex field, one that requires sound knowledge and care to execute properly. Armed with Jacobi’s wisdom and the team’s commitment to innovation and excellence, we help our clients reach their financial goals.