--- title: About | Eddy Wealth description: Meet Eddy Wealth and the practitioners behind Navette OS, the shift from performance reporting to recovery horizon, retirement time, and the Margaret Number. --- [![Eddy Wealth logo](https://eddywealth.com/hubfs/raw_assets/public/eddy-wealth/images/ew-logo-icon-colored.png) ![Eddy Wealth logo](https://eddywealth.com/hubfs/raw_assets/public/eddy-wealth/images/ew-logo-icon-colored.png) Eddy Wealth Retirement. Measured in years.](https://eddywealth.com/?hsLang=en) [Navette OS™](https://eddywealth.com/navette-os?hsLang=en) [Our Approach](https://eddywealth.com/our-approach?hsLang=en) [About](https://eddywealth.com/about) [ACPI](https://eddywealth.com/acpi?hsLang=en) [Research](https://eddywealth.com/research?hsLang=en) [Blog](https://eddywealth.com/blog?hsLang=en) [Client Portal](https://clientportal.aligned.digital/signin) [Start Here](https://eddywealth.com/start-here#time-portrait-ai-intake) About # About Eddy Wealth We were among the first in Canada to manage client portfolios with factor funds. Two decades later, that experience led to a harder conclusion: returns alone do not tell retirees what they need to know. Origin ## Two decades of factor investing led to a different question. We built and traded some of the most sophisticated factor ETF strategies in the Canadian market. That gave us something most advisors do not have: firsthand data on what works, what breaks, and how long recovery actually takes. The pivot was simple, even if the implications were not. A fund can beat its benchmark and still leave a retiree short if the timing is wrong. That is why Eddy Wealth now leads with time. The pivot Navette OS™ answers the question returns cannot: how long until you are back on track, and how long is your spouse exposed if you are not there? Meet the Team ## Experienced practitioners translating quantitative research into calm, client-facing clarity. ![IMG_1027](https://eddywealth.com/hubfs/IMG_1027.jpeg) Art Johnson, CIM ### Translating academic finance into real portfolios. Art Johnson, CIM has spent two decades translating academic finance into real portfolios for Canadian retirees. He co-founded one of Canada's most sophisticated factor ETF companies, managed institutional-grade quantitative strategies, and developed proprietary retirement portfolio diagnostics that have been independently validated by academic reviewers, mathematicians, and leading quantitative researchers. His driving question has always been the same one his clients ask: How long until I'm okay? Navette OS™ is his answer. Art hosts Almost Factor Famous, a podcast exploring the intersection of time, money, and the lives they shape. ![ChatGPT Image Jul 16, 2026, 09_56_00 AM](https://eddywealth.com/hubfs/ChatGPT%20Image%20Jul%2016%2c%202026%2c%2009_56_00%20AM.png) Eric Contreras, CIM, FMA, FCSI ### Co-leading every client relationship. Eric Contreras brings CIM, FMA, and FCSI credentials to the practice and co-leads every client relationship at Eddy Wealth. As the firm transitions to time-based diagnostics, Eric's depth in quantitative portfolio construction ensures every Navette OS™ output is built on rigorous, institutional-quality data. Eric is co-architect of the Champions deployment, a programme bringing Navette to Eddy Wealth's most trusted families first, and co-designer of the Time Portrait intake system that helps families see their situation through the lens of time before the first meeting. Almost Factor Famous Art also hosts Almost Factor Famous, a podcast about time, money, and the lives they shape, extending the same philosophy beyond the client meeting. ![ocean_under_1mb](https://eddywealth.com/hubfs/ocean_under_1mb.jpg) The name ## The eddy is a place of calm in turbulent water. That is more than a metaphor. Navette OS™ is the instrument that measures how close to calm a family actually is. When the recovery horizon is short, they are in the eddy. When it stretches, Eddy Wealth sees it before the family feels it and acts accordingly. The brand promise is not bravado. It is composure backed by measurement. The RRH™ and SRH™ frameworks have been independently validated by academic reviewers, mathematicians, and leading quantitative researchers. The methodology is proprietary to Eddy Wealth Inc. We share the diagnostic. Not the recipe. Other advisors measure performance. Eddy Wealth measures time.™ [![Eddy Wealth logo](https://eddywealth.com/hubfs/raw_assets/public/eddy-wealth/images/ew-logo-icon-colored.png) ![Eddy Wealth logo](https://eddywealth.com/hubfs/raw_assets/public/eddy-wealth/images/ew-logo-icon-colored.png) Eddy Wealth Inc. Retirement. Measured in years.](https://eddywealth.com/?hsLang=en) Other advisors measure performance. We measure time.™ Calm water. Measured in years. ## Useful Links - [Home](https://eddywealth.com/?hsLang=en) - [Navette OS™](https://eddywealth.com/navette-os?hsLang=en) - [Our Approach](https://eddywealth.com/our-approach?hsLang=en) - [About](https://eddywealth.com/about) ## Explore - [ACPI](https://eddywealth.com/acpi?hsLang=en) - [Research](https://eddywealth.com/research?hsLang=en) - [Blog](https://eddywealth.com/blog?hsLang=en) - [Start Here](https://eddywealth.com/start-here?hsLang=en) ## Get In Touch - [Ready to see your time? Start with 15 minutes.](https://eddywealth.com/start-here#time-portrait-ai-intake) - [Begin Your Time Portrait](https://eddywealth.com/start-here#time-portrait-ai-intake) - [Return to top](https://eddywealth.com/about#top)