Inner Capital is a Psychological Equity Coaching Firm

We help high-functioning individuals reclaim the value they leak across health, wealth, and love — by resolving the hidden emotional transactions that traditional methods overlook.

We don’t treat symptoms.
We restore structure.

Where most approaches fixate on mindset shifts, trauma excavation, or high-performance hacks, Inner Capital focuses on the operating logic underneath it all — the part of you that governs how you give, receive, and block value.

You don’t need more healing.
You need an audit of your internal economy.

We specialize in:

  • Auditing the invisible systems that govern self-worth, motivation, and decision-making

  • Resolving emotional IOUs, relational debt, and performance guilt that distort your ability to receive

  • Rebuilding a structure rooted in sovereignty, fair exchange, and sustainable self-governance

This isn’t about fixing you.
It’s about helping you govern yourself like a sovereign enterprise — with clarity, ownership, and inner profitability.
This is the missing curriculum if you're ready to make your future inevitable, not theoretical.

Stephan Gardner - Founder & CEO

Chief Psychagogue and Infallibility Officer

Let’s be real: This isn’t about proving anything.
But if you’re about to invest serious time and money into working with us, you probably want to know who you're dealing with.

So here’s the truth.

I’m not a therapist. I’m not a psychologist. And I’m definitely not another self-help narcissist who needs to be on a stage 24/7 to feel good about myself.

What I am — is a Psychagogue.

psyche = soul
agogos = leader
→ A guide of the soul.

That means I don’t diagnose or rescue. I guide.
Through the maze of your inner world — toward the truth you already suspect is there.

Since 2006, I’ve been coaching private clients while quietly working behind the scenes as a video editor for dozens of personal development leaders. I’ve filmed their seminars, sat in their green rooms, edited thousands of videos — witnessing firsthand how most of this industry really operates.

The problem (for them) is:
They gave me access to everything.

As an editor, I saw through it all — and I started to realize the formula behind every truly effective model of personal transformation.

The benefit (for you) is this:
I’ve taken what works — across mindset, emotional processing, relational psychology, behavioral economics, and value theory — and stripped away the fluff, the false promises, and the guru games.

The result is Inner Capital — a clean, clear, effective framework built on structure, sovereignty, and self-worth.

It’s not a regurgitation of what you’ve already tried.
It’s the underlying logic behind why nothing else has stuck.

If you're ready to stop seeking and start building — I'm here for that.

Julia Pho - Co-Founder

(& Chief Agitation Officer)

So this is the part where you get to judge and assess me before you decide to exchange money and commitment with Inner Capital for your evolution. I’m here for it. Judge away.

I’m Julia. If you vibe with me or Stephan, then you’re likely in the right place.

The soul of who I am is an entrepreneur. I’ve had a career as a registered nurse, a facilitator and a global traveler. I’ve studied multiple disciplines to understand emotions, health, relationships, business, wealth and human behaviour. I’ve lived inside these systems, experimented with them, and dissected how they interact to shape reality. My role in Inner Capital is a culmination of all of it.

When I worked in oncology, I didn’t understand why people kept putting off their lives. As if this life isn’t their real life. Made no sense to me. I’m committed to people actually living their lives. By their design. Not by default programming or obligation. So I went on a quest. I asked questions. I observed. I listened.

Inner Capital, for me, is about upgrading your capacity to sustainably create what you say you want. I don’t coddle you. I call out your greatness until you can’t escape it.

When your inner world is aligned, your external reality has no choice but to follow.

If you’re more impressed with me or Stephan than you are with yourself, then working with us is probably the right decision. Because it’s not about us. This is about you and what you’re here to create.

Welcome to your Inner Capital. I'll see you in the integration-sphere.