OM Investments

10/17/2026

Pivotal Research 2026: He Turned Down Ken Griffin to Run His Own Fund. That Was $20 Billion Ago. by The Wall Street Journal

"Moroccan-born Lemssouguer sticks out in ’s clubby scene. He neither drinks nor drives a car and his hobby of choice is raising parrots. He has a casual demeanor and speaks English with an accent picked up bingeing shows including “Entourage” and “The of Bel-Air."

“Being and also being an outsider and allows [me] to not be towards ,” Lemssouguer said in an interview...

Competing and bank say Lemssouguer’s approach is overly aggressive, causing his to swing wildly.

The critics argue Lemssouguer relies heavily on , or , to boost profits, a prone to backfiring.

“Look at the track record,” Lemssouguer said. “We’re able to outperform in up markets and down with our strong .” The fund has returned an average of 15% annually, according to people familiar with the fund, compared to the 7% average return of HFR’s index of .

But Arini’s main has also lost as much as 6% in a single month and delivered a ho-hum 9% return last year, according to the same people, in part because Lemssouguer put on while most markets went up.

Jaguar set the pattern for Lemssouguer: Analyze the data, find conviction and make the as big as possible. He celebrated wins by playing by his favorite , the B.I.G., on the . Word of the big paydays spread inside and outside the .

Celebi built what the firm calls a “ engine,” which uses , , exchange-traded and other instruments to absorb shocks, allowing to make aggressive even when turn choppy, Lemssouguer said.

The model focuses on limiting the maximum potential loss, or “drawdown” of the , Celebi said. “That’s what can get you out of .'" - Matt Wirz



Read the full article for more:

https://www.wsj.com/finance/investing/hamza-lemssouguer-arini-capital-hedge-fund-firm-99c961d5

We see some similarities and differences

Amazing that he started a , runs an and/or works with a holistic and business on achieving his life . This was a similar suggestion to a previous Pivotal Research article we highlighted.

#1

Hamza Lemssouguer, 35, is shaking up the London finance scene with his big short bets.

10/08/2026

🦚🌜🍅Happy Fall Holidays: Literacy & Personal Finances! We're attaining improved literacy and personal financial success! As a thank you and reward to old/pre-existing newsletter subscribers and recent subscribers & followers; we will be diving into current hot topics + literacy, reading, & personal finance.

Here is a quote from this dense and incomplete edition (there is so much to cover!).

"Did you do what you could do, while you could do it? (Before we head out, that might be a question we want the right answer to, while we still have time." - OM Deep Pro-tip

Here are hot topics we will touch on such as:

Misusing Patience and Impatience

Reading vs. Literacy,

Virtuous Circle 2: Chain of Events

Postwarning: Betting Worse Tomorrows 3

Priorities...

Combating Food (or Any) Inflation

Credit Card Losses and Profits

Virtuous Circle 3: Gifted & Talented

Wanting to Live Forever vs. Having Lived,

AI Hits & Misses: Careers

AI Hits & Misses 2: Wealth

The Five literacies for Success

Reading and

and more

Check it out & enjoy on LinkedIn or our Website!

https://lnkd.in/g6tBXNnS

or

https://www.ominvested.com/blog/happy-fall-holidays-literacy-finance



,

Happy fall holidays & a full slate of special times with loved ones! Whether you're celebrating Hispanic Heritage Month, Autumnal Equinox Day, Family Day, International Week of Happiness at Work, Reconciliation Day, Healthy Aging Month, Self-Improvement Month (is this not why we're here?), Internati

10/01/2026

We're proud of Steve Oniya, CFP®, ChFC®, CPWA®, CEPA®, MBA for attaining a new professional designation expertise status and certification, the Certified Exit Planning Advisor (CEPA®), from the Exit Planning Institute . A Certified Planning Advisor (CEPA) helps maximize and transition smoothly on their own terms.

Raymond James states that "A Certified Exit Planning (CEPA) helps you build a valuable , align your , and create a solid personal for a transition."

"(It) helps owners build more valuable , align their business and and create a solid personal financial plan that can help an with confidence knowing their bases are covered."

"The Certified Advisor (CEPA®) assists business owner clients in building more valuable companies, having stronger personal , and aligning their ."

It's an honor to work with passion, intelligence, and achievement on the path to helping others and improving.







It's interesting how Steve has went , from starting with an to finally attaining a business designation for . What a niche and background.

, ,

#1

09/28/2026

Pivotal Research 2026: How Trump Rewrote the Rules of Global Trade in One Year by The Wall Street Journal

"On the one year anniversary of , WSJ’s Gavin Bade explains how President forever changed U.S. policy." - Gavin Bade

"Watch WSJ’s Gavin Bade break down how Trump pivoted away from and more toward coercion" - WSJ







Watch the video or read the brief article intro to the video for more:

https://www.wsj.com/video/series/news-explainers/how-trump-rewrote-the-rules-of-global-trade-in-one-year/2A3859F6-302B-4E06-8539-B5D60E9504B2

https://www.wsj.com/politics/policy/how-trump-rewrote-the-rules-of-global-trade-in-one-year-e37332fd

Suffice it to say, many of the stated in the video have not been achieved. Meanwhile, it has impacted , , , and more (President popularity/approval is now lowest in decades from other Presidents). Many people need guidance from a to help navigate efficient paths forward.

#1

Watch WSJ’s Gavin Bade break down how President Trump pivoted U.S. trade policy away from global cooperation and more toward economic coercion.

09/17/2026

Pivotal Research 2026: He’s Leaving Citigroup to Be a CEO. Can He Land the Big Job? by The Wall Street Journal

"His decision to leave was prompted by Citi Chief Executive Jane Fraser's move to also become chair of the company’s , people familiar with the matter said. The consolidation of power signaled Fraser had more control over the bank’s and didn’t have plans to leave her post anytime soon.

It isn’t unusual for an to leave a company when the path to the top suddenly seems cut off. But while many stay vague about their , Mason has been public about his desire to run a .

Opportunities had come his way before, including a shot at the top job at The Carlyle Group back in 2023, and research shows that of large financial institutions are more likely to become than are peers in other industries.

But executive recruiters say Mason’s move to jump ship and get a simultaneous promotion to CEO—known as a “ ”—might prove an uphill battle.

“The double switch tends not to work because the will say you’re untested as a CEO, even though we think you’re a great ,” said Peter Crist, chairman of executive-recruitment firm Crist Kolder Associates. “He’s going to be relegated to going down the food chain in terms of the size of the to become a , if that is his aspiration.”

Mason, who is now executive and senior executive , said he would stay on at Citigroup North America, Inc. to Fraser on but to leave by the end of the year. When it comes to finding a new , “I’m still very much in the early days,” he said.

He said he always had an flair, selling bubblegum and popcorn from his Samsonite briefcase at Jamaica High School. After attending Howard University, he pursued his interest in at Harvard Business School.

Mason started at Citi in 2001 after a recruiter asked if he would be open to working at a bank. At the time, the was a mishmash of firms that had been recently cobbled together.

Mason canceled his Christmas plans in December 2008 to work on a deal to sell Citi’s prized franchise, Morgan Stanley Smith Barney, to Morgan Stanley.

Mason won’t be around for the new era, but he is ready to help transform other —eventually.

'The first step is for me to kind of take a breather after the pace that I’ve been running for seven years,' he said." - Alexander Saeedy



Read the full article for more:

https://www.wsj.com/finance/banking/hes-leaving-citigroup-to-be-a-ceo-can-he-land-the-big-job-79148099

Perhaps he may want to start a , run an or work with a holistic and business on achieving his life .

#1

Mark Mason has spent more than 20 years trying to bring the unwieldy megabank under control. Now, he’s ready to call the shots at a new shop.

09/16/2026

How are you today?

Tell us what you want to hear from us. If you want to stay up-to-date with us, follow our page. OM Investments | LinkedInOM Investments | LinkedIn https://www.linkedin.com/company/ominvested/?lipi=urn%3Ali%3Apage%3Ad_flagship3_detail_base%3BFIUypdmmTyeFsyGUS%2BU8HA%3D%3D

OM Investments | 198 followers on LinkedIn. Helping You Achieve Life & Financial Goals From a Trusted Relationship by Financial Planning, Strategy, & Simple Tips. | Invested in You. Chartered Financial Consultant Steve O. Oniya, CFP®, ChFC®, MBA and OM Investments are helping working profe...

09/15/2026

Pivotal Research 2026: Crypto Fans Have an Alternative to Savings Accounts. Banks Are Freaking Out. by The Wall Street Journal

"Wendy Owusu keeps about a quarter of her cash in # stablecoins, earning a of about 5%. Her traditional savings accounts pay almost nothing.

I’m gonna go where I’m treated best,” said Owusu, a analyst and in .

Stablecoins aren’t yet widely used as or , and mostly remain a way for the crypto conversant to buy other or transfer money. But the are starting to catch on among some crypto users as a way to park and earn yields—a development that banks are determined to stamp out before it gets any bigger.

In January, crypto exchange Coinbase helped derail the advancement of legislation to establish a legal framework for , saying it opposes any such push that would prohibit rewards. Banks say allowing stablecoins to pay would turn the digital tokens into de facto accounts, without the same protections.

Ashley Wright, a 31-year-old consultant and in , started using stablecoins to send money to family in because she said it was faster and cheaper than .

One reason for concern: aren’t insured by the Federal Deposit Insurance Corporation (FDIC) Corp., a fact stressed by JPMorganChase Chief Executive in a CNBC interview.

Big are themselves exploring stablecoins to ensure they stay competitive on payments. But they warn that some $6.6 trillion in their customer could be drained if yield-bearing are allowed to flourish. The industry says that would hurt their ability to and would cripple the broader , while moving ’ money into firms that aren’t as closely regulated." - Dalvin Brown

Read the full article for more:

https://www.wsj.com/finance/currencies/crypto-fans-have-an-alternative-to-savings-accounts-banks-are-freaking-out-b42fdec5

Time will tell if new or innovative and processes improve us or hold us back as incumbent relations mention.

#1

Stablecoins—and the yields they can offer—are at the center of a fight between the crypto and banking industries.

09/03/2026

Pivotal Research 2026!: Americans Are Leaving the U.S. in Record Numbers by Wall Street Journal

"More citizens are replanting overseas, drawn by a quality of life made easily affordable by the U.S.’s enviable salaries. “I wasn’t expecting to be surrounded by this many Americans.”

Beneath the stormy optics of that crackdown, however, lies a less-noticed reversal: America’s own citizens are leaving in record numbers, replanting themselves and their in lands they find more and .

Yet data on residence permits, foreign home purchases, student enrollments and other metrics from more than 50 countries show that Americans are with their feet to an unprecedented degree.

Some commentators have labeled this wave of the “ ” since numbers have spiked under President Trump’s second term. But the phenomenon has been building for years—fed by the rise of , mounting and an appetite for foreign that feel within reach, especially in .

In nearly all of the ’s 27 member states, the number of arriving to live and work is at a record and rising.

If there was any thought that this was a fleeting pandemic-era experiment of nomads logging in from distant shores, data hints at its longevity.

The booming number of new relocation companies say they’re struggling to keep up with demand. They include LuxNomads for the well-to-do; G**O Tours, attracting critics; Blaxit Global, for Americans, and She Hit Refresh, for the biggest boom market of all, . A Gallup poll last year found 40% of American women, ages 15-44, would like to permanently move , if possible. By comparison, in 2023, the same pollster found that a slightly smaller proportion of sub-Saharan —37%—wished to do the same.

The bargain: The U.S. has larger salaries, mobile talent and millions of citizens craving a better . needs such workers—and their income—to prop up a pension system so top-heavy that retirees now outearn working age adults, according to the Income Study, a research agency. European salaries are constrained by high taxes and low growth. , and real-estate agents want foreign clientele.

McCoy, 45, has since relocated to and works as a consultant helping other with more limited means join the emigrant wave. “You’ll still find people saying only rich people can do this. I have had 15 American clients move to that have been on social security or disability or both,” she said.

“In Albania, you can very easily right now survive on $1,000 a month,” she added. 'I have another consultation with someone tonight.'" - Drew Hinshaw

and Joe Parkinson

Read the full article for more:

https://www.wsj.com/us-news/americans-leaving-the-us-migration-a5795bfa

#1 for the well-to-do; G**O Tours, attracting critics; Blaxit Global Podcast, for Black Americans, and She Hit Refresh, Luxury Nomad Tours & Transfers Blax int She Hit Refresh Gallup

More citizens are replanting overseas, drawn by a quality of life made easily affordable by the U.S.’s enviable salaries.

08/24/2026

Pivotal Research 2026!: America Is Falling Out of Love With Pizza by The Wall Street Journal

"Restaurant chains explore strategy changes as sales slow for delivery mainstay

Once the second-most common U.S. restaurant type, are now outnumbered by shops and food eateries, according to industry data. Sales growth at pizza restaurants has lagged behind the broader fast-food market for years, and the outlook ahead isn’t much brighter.

Today, shops are engaged in price wars with one another and other kinds of . apps have put a wider range of cuisines and options at ’ fingertips. And $20 a pie for a family can feel expensive compared with $5 fast-food deals, frozen or eating a home-cooked .

Pizza’s dominance in restaurant fare is declining, however. Among different , it ranked sixth in terms of U.S. sales in 2024 among chains, down from second place during the 1990s, Technomic, Inc. said.

The number of pizza restaurants in the U.S. hit a record high in 2019 and has declined since then, figures from the market-research firm Datassential show.

As growth in pizza sales stagnates, between has intensified. Sales at Domino's Pizza have grown as the has rolled out such as a $9.99 offering for a large pie with toppings.

At Pizza Hut, sales at locations open at least a year have declined for eight straight quarters. Moreover, it has hundreds of dine-in locations, which occupy larger footprints, are more costly to operate, and account for a shrinking slice of where people eat .

Papa Johns Pizza has opened the door to selling the , though said they are focused on a broad turnaround strategy. The chain has spent the past year assessing its business, with executives looking to change everything from its strategy to how it builds its .

are becoming choosier, and Papa John’s has to step up its menu offerings and , said Thanawala, the chain’s CFO. That means offering more side dishes at good prices, including ones baked in the chain’s ovens.

The chain is closing some North American restaurants to focus on boosting at locations the believes are primed for growth. Other locations just need a face-lift, said." - Heather Haddon, WSJ

Read the full article for more:

https://www.wsj.com/business/hospitality/pizza-sales-popularity-down-98e8b064

#1

Restaurant chains are exploring strategy changes as sales slow for the food-delivery mainstay.

08/13/2026

These National Association of Personal Financial Advisors (NAPFA) Foundation awards are a testament to the NAPFA recipients helping more people reach and Financial Literacy by leveraging their .

NAPFA 2025 Award Recipients: Steve Oniya, CFP®, ChFC®, CPWA®, MBA Elijah Essa, CFP® and Brooklyn Brock, CFP®, CEPA®, ChFC®, CKA®

"NAPFA is thrilled to honor a distinguished group of professionals and firms with its prestigious 2025 awards. These individuals and organizations exemplify the standards of excellence and commitment that NAPFA promotes in the field of Fee-Only ."

Read their bios and watch for more below.

https://www.napfa.org/2025-award-recipients

Twice Measure The American College of Financial Services Steve Oniya

The National Association of Personal Financial Advisors is the leading association of fee-only financial advisors. Visit us today to find an advisor near you.