Why I built this
Hey,
If I sent you this link, or someone I know sent it to you, this is probably easier to explain as a letter than as a product page.
I like investing.
I was already trying to make my own investing process more systematic, and I knew many of the rules I was supposed to be following.
But knowing the rules and actually remembering to review everything, every month, are two different problems.
The hard part was not knowing what to do. It was doing it consistently.
People who invest professionally have a couple of advantages most normal people do not.
They spend a lot of time paying attention to markets.
And they repeat the same formulas, habits, and risk rules often enough that the process becomes routine.
Most of us have school, work, families, projects, and a dozen other things competing for that time.
I did not want responsible investing to require becoming a part-time portfolio manager.
So I put the two things I had been studying together.
The models do the day-to-day watching.
They look at market and risk signals that I would otherwise have to sit down and research myself, and help judge whether the current environment looks more or less risky.
Not day trading.
Not predicting tomorrow.
Not hunting for a secret stock.
Just paying attention consistently.
Then there is the investing side.
A lot of sound long-term investing is not mysterious.
Diversification. Risk limits. Time horizon. Rebalancing. Avoiding emotional decisions.
There is plenty of math behind those ideas, but the harder problem for most of us is applying them every time, including the months when we are busy or distracted.
So I wrote those rules into software too.
Once a month, the system reviews the portfolio and the current market environment.
If conditions look riskier, it can lean more cautiously. If conditions look healthier, it can take a little more risk, always within the boundaries set for the account.
It keeps following the portfolio instead of waiting for me to remember that another month has gone by.
The intended decision cadence is monthly, with more frequent monitoring. The public methodology documents the exact rules, assumptions, integrity checks, and limits behind this simplified view. Inspect the full methodology.
- Your portfolio Diversified holdings plus the account's explicit risk and time-horizon settings.
- Market & risk signals Trend, volatility, rates, drawdown behavior, and checks that required data are fresh enough to use.
- Durable rules Diversification, exposure limits, rebalancing constraints, and controls against unnecessary churn.
- Monthly review Ask whether the target portfolio should change. Unsafe or incomplete inputs can result in no new action.
- Recommendation boundary A recommendation is separate from permission to trade. Account authorization remains explicit.
- Plain-language explanation Record what changed, why it changed, and whether anything actually needs attention.
This loop does not claim to predict what the market will do next or guarantee returns. It is a bounded process for applying declared rules consistently. See the brokerage and user-control boundary.
I use Webull for the brokerage connection because I had no interest in recreating a financial institution just to make this work.
The whole point was to make the investing part simpler, so the site connects to a brokerage account you already control and works from there.
But I also did not want the result to be a black box.
If software is helping make decisions around my money, I want to understand what it is doing.
I also want to become better at investing over time, not less involved intellectually because a computer is doing some of the routine work.
That is why the other half of this is a letter.
About once a month, it sends an update.
Part of it is about your portfolio: what changed, what did not, what the system saw, and whether anything actually needs your attention.
Part of it teaches one useful investing idea.
See a sample monthly financial letter.
The hope is that after a year, you do not just have a portfolio that has been looked after consistently.
You also understand investing better than you did a year earlier.
That is basically it.
This is not meant to turn anyone into a day trader.
It is not a promise that an algorithm can beat the market.
And it is definitely not supposed to give you another app to check every morning.
I would rather you forget this website exists most of the month.
I wanted something that could do the routine work I know I should do, use the tools I know how to build, and then come back once in a while and explain what happened in normal language.
I built it for myself first.
If you are reading this, you are probably someone I know, someone my family knows, or someone a friend thought might appreciate the same thing.
If that sounds like you, join the early-access list.
The product is still being built, and I would rather learn from a small group now than pretend it is finished.
George
Read how the product works, what it can access, and what remains unproven.
Inspect the public methodology and evidence standard.
Joining the list does not connect a brokerage account or authorize trading. Nothing here is a promise of returns or a claim that this system will outperform a simpler portfolio. Investing involves risk, including the possible loss of money.