A Modern Portfolio
An All-Weather Approach to Portfolio Growth
Traditional investing is a one-dimensional "buy and hope" strategy. We believe this is incomplete. We've built a two-dimensional approach designed to deliver consistent, all-weather returns, protect capital, and enhance compounding over the long term.
The Problem with "Buy and Hold"
For long-term investors, "buy and hold" investing creates two critical problems:
1. No Returns in Flat Markets
If the market moves sideways for a year, a traditional portfolio generates zero returns. For organizations and individuals who depend on portfolio growth, this is a failed outcome. You are completely dependent on market appreciation.
2. Full Drawdowns in Down Markets
In a down market, your only strategy is to hold on and hope. This can lead to severe drawdowns, delaying your long-term goals. "Buy and hold" offers no mechanism for defense or active risk management during a downturn.
Our Solution: Two Dimensions of Return
We solve this problem by separating "market return" from "strategy return." We build a robust, diversified portfolio and then add an active options strategy—designed to generate an independent return stream from option premiums.
Your portfolio now has two engines working for you:
How the "Wheel" Strategy Works
Our active options strategy follows a disciplined, repeatable process often called "the wheel." It's a systematic way to enhance returns and build positions at a discount.
Sell a Put
We sell a put option on a high-quality ETF we want to own. We are paid an immediate cash premium for this. This premium is our first source of strategy return.
Acquire or Repeat
If the ETF's price stays above our strike, the option expires worthless. We keep 100% of the premium and repeat Step 1. If it drops, we are "assigned" and buy the ETF at our pre-defined discount price.
Sell a Call
Now that we own the ETF, we begin selling covered calls against it. This generates a *second* source of strategy return. We continue this until the shares are "called away," often at a profit.
The Liquid Foundation: Our 8-ETF Portfolio
This strategy requires a foundation of high-quality, highly-liquid assets. Our portfolio is built to provide broad diversification across markets, sectors, and asset classes.
SPY
US Large-Cap
The core anchor of US market exposure. The world's most liquid options market.
QQQ
US Tech & Growth
Provides exposure to top-tier US growth and technology companies.
IWM
US Small-Cap
Diversifies away from large-cap risk with exposure to 2,000 smaller companies.
EFA
Developed Int'l
Geographic diversification in stable, developed markets like Europe and Japan.
EEM
Emerging Markets
Access to high-growth emerging economies. High volatility provides rich premiums.
XLE
Energy Sector
A cyclical sector and inflation hedge with a liquid options market.
TLT
Fixed Income
A key non-correlated asset to hedge against equity risk and market stress.
IBIT
Digital Asset
A "digital gold" position for asymmetric growth, with extreme volatility for high premiums.
A Strategy for Long-Term Partners
This strategy is designed for long-term, tax-advantaged accounts where compounding growth and capital preservation are the primary goals.
Pensions & Non-Profits
Meet long-term obligations with a strategy designed for smoother, non-correlated returns. Our focus on capital preservation aims to protect the fund's principal during down markets, reducing the need to sell assets at the wrong time.
Individuals
Ideal for tax-advantaged accounts (e.g., IRAs). This strategy aims to compound wealth more smoothly, seeking to capture upside in bull markets while actively managing drawdowns during bear markets, all within a tax-deferred environment.
Custodial Accounts
Build a lasting legacy for the next generation. This strategy's long-term, compounding focus and capital preservation rules are ideal for a multi-decade time horizon, helping to grow education or inheritance funds.