01
Everyday & near-term needs
Short term
Money for daily spending and needs coming up soon.
Often held in checking, savings, or CDs.
You manage this money.
InsideOut Wealth Strategies
Your life first.
Your investments
built around it.
Start with the life you want. We help you plan for it and manage the long-term investments that support it.
A DIFFERENT STARTING POINTYour life. Then your wealth.
Registered Investment Adviser · Cupertino, CAYour goals. Your plan. Your long-term investments.InsideOut Wealth Strategies, LLC
Why InsideOut
Look inside.
Then invest.
It’s easy to focus on the outside: finding the next Google or Amazon, or trying to beat the S&P 500.
We start inside—with you. What kind of life do you want? What matters to you? What do you want your money to make possible?
Your answers come first. Your investment strategy follows. That’s what InsideOut means.
Our approach
Three buckets.
One life.
Give your money a purpose based on when you expect to need it. Keep near-term needs separate from long-term goals.
02
Around 3–5 years, sometimes longer
Intermediate term
Money set aside for a planned expense or a goal that is getting closer.
May include cash, CDs, bonds, or stocks, depending on the use, timing, and risk involved.
The goal and timing guide the choice.
03
Often 20 years or longer
Long term
Money set aside for retirement and other long-term goals, beyond what you expect to need in the first two buckets.
Invested with your goals, time horizon, and risk tolerance in mind.
This is where we focus.
We manage your long-term investments.
And help you plan for the life ahead.
Your short- and intermediate-term needs help define how much you can invest for the long run. We build and monitor that portfolio, and revisit your plan as life changes.
Time frames are illustrative and depend on your needs. Investment choices involve risk; bonds and stocks can lose value and may not be suitable for money needed soon.
How we help
A plan for your life.
A portfolio for the long run.
Personal advice, ongoing investment management, and clear conversations along the way.
Long-term investing & planning
We connect your goals to a tailored investment strategy, manage your portfolio, and review it as your needs evolve.
- Retirement and other long-term goals
- Portfolios suited to your time horizon and risk tolerance
- Ongoing monitoring and rebalancing as needed
Retirement plan services
We help employers establish, monitor, and review participant-directed retirement plans.
- Investment policy statements
- Investment selection and monitoring
- Asset allocation models and participant education
Services and fees are defined in your advisory agreement. Investing involves risk, including possible loss of principal.
Meet our team
People you can
get to know.
Investment experience, financial planning knowledge, and a personal approach.
Principal
Keh-Shiou Leu
Keh-Shiou holds a Ph.D. in Decision Analysis from Stanford University and has led InsideOut Wealth Strategies since 2018. He previously served as a registered representative and investment adviser representative with LPL Financial from 2006 to 2018.
Education & background
- Ph.D. in Decision Analysis, Stanford University (1995)
- M.S. in Management Science, Chiao-Tung University (1981)
- B.S. in Civil Engineering, National Taiwan University (1979)
Chief Compliance Officer
Jane Yan, CFP®
Jane is a CERTIFIED FINANCIAL PLANNER™ professional and the firm’s Chief Compliance Officer. She joined InsideOut Wealth Strategies in 2022. She holds a master’s degree in Social Work from USC and a bachelor’s degree in Sociology from UC Berkeley.
Education & background
- CFP® certification — July 2026
- Passed the Series 65 examination (2025)
- M.S.W. in Social Work, University of Southern California (2024)
- B.A. in Sociology, University of California, Berkeley (2022)
Investment Associate
ZhiJie Zhuang
ZhiJie is an Investment Associate and a California-registered investment adviser representative. Registered with InsideOut Wealth Strategies since June 2025, he is part of the team serving individuals, families, and other advisory clients.
Education & background
- California investment adviser representative registration (2025) · CRD #8110954
- Passed the Series 65 examination (2025)
- Bachelor’s degree in Business Marketing, San José State University (2021)
Professional credential links open the IAPD registration records. ZhiJie’s email link is routed through our firm contact.
For existing clients
Your accounts.
Within reach.
Access your Schwab accounts through Schwab Alliance. Review your account information directly on Schwab’s secure website.
Log in to Schwab Alliance Opens Schwab’s website in a new tab to view your accounts.- Account balances and positions
- Transactions and account activity
- Statements and tax documents
A little more clarity
Your questions,
answered.
Where do I view my account balances?
Select “Client login” at the top of this page or “Log in to Schwab Alliance” above. Sign in directly with Schwab to review your available accounts, balances, and positions.
What should I prepare for an introductory conversation?
Start with your main questions, financial priorities, and goals. Your advisor can explain which documents would be useful and how to share them securely. Do not send account passwords or sensitive financial documents through unsecured email.
Who do you work with?
We serve individuals, high-net-worth individuals, trusts, estates, and small business entities. We also provide ERISA retirement plan services to employer plan sponsors.
How are advisory fees determined?
Investment management fees are based on managed assets and are negotiable. Employer retirement plan services may use a flat fee or a fee based on plan assets. The scope of services and applicable fees are detailed in your signed advisory agreement. Custodian charges and investment expenses may apply separately. Comparable services may be available from other sources at lower fees.
Is there an account minimum?
Our firm brochure does not impose a minimum account requirement to engage us. Contact our team to discuss your needs and the appropriate service arrangement.
Where can I learn more about the firm?
Visit the Investment Adviser Public Disclosure website ↗ for public registration information and available filings. To request our firm brochure, brochure supplements, or code of ethics, email Jane Yan or call 408-833-7393.
Let’s connect
What matters most to you?
Tell us about the life you want to build.
22635 Salem Ave.
Cupertino, CA 95014
Meetings by appointment
jyan@insideout-ws.com
ksleu@insideout-ws.com