Every account, one book

Everything you own, in one place.

Wealth rarely sits in one account. There is the broker, the bank’s broker, the wallet whose keys you hold — and usually no single place that states what all of it is worth. Here the whole of it is one book: imported from Interactive Brokers through a read-only statement, entered by hand from everywhere else, valued in one currency against stored closes. That picture is useful before any plan exists. The plan is what keeps you buying it — one instruction a month, and a record of every month you kept it.

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Live numbers from the public demo book

$275,826
Book value: 8
Positions: 14
Months tracked: $1,577
Income (TTM)

01 — Every account

One book, however it is held.

An Interactive Brokers account connects through a read-only Flex query and imports itself: positions, trades, dividends, and cash movements, with daily prices and FX backfilled — so the history is measured from what happened, not reverse-engineered from today's balance.

Everything else is entered by hand, and the page says so plainly. The bank's broker, the self-custody Bitcoin, the fund an old employer left behind: there is no bank connector and no wallet sync here, so a typed-in position changes only when you change it — and it is valued against the same stored closes as everything imported, in the same register.

Run the same statement twice and nothing duplicates. A reconciliation pass sets the holdings here against the broker's own position report and names every symbol that disagrees. A number you cannot check is not a number worth being calm about.

The demo book was built exactly this way — 14 months of ledger, 442 daily snapshots, reconciled.

How the Flex import works

Ledger · Jul 2025 — Sep 2026

Trades93
Dividends16
Cash moves13
Daily snapshots442

ReconciledEvery position matches the broker’s own report.

02 — What the book shows

Valued honestly, before any plan exists.

Holdings, performance, allocation, and income, in one currency. A book that is only being tracked gets all of it — nothing on the dashboard demands a plan before it will tell you what you own.

Every dividend and interest payment lands in the ledger and rolls up into what the productive assets paid over the trailing twelve months, a per-payer breakdown, and a forward calendar built from each holding's own payment record — not from a generic yield anyone could have guessed.

Give a portfolio its targets and allocation is measured against them continuously. The gap it finds is not an alarm; it is where the next contribution goes — always measured against weights you wrote, never against a benchmark chosen for you. And both views own up to their gaps: a payer with too little history says so rather than filling the calendar with a plausible number.

How income is calculated

Income & drift · trailing 12 months

$1,577

Paid out

AGG6.6% of 9%-2.42%
VTI38.6% of 40%-1.38%
O4.6% of 6%-1.35%
BTCUSD2.7% of 4%-1.27%

03 — The plan

The plan is what keeps you buying it.

A book you can finally see is not yet a book that compounds. Most people with money to invest do not have a plan — they have savings, an intention, and a question that comes back every few weeks. A plan written down answers it once: what you hold, in what proportion, how much goes in each month, and what you will do when it falls.

You are not handed one. You copy a published model into a plan and affirm every weight yourself, or you start from a blank plan and write your own. A plan missing any one of the four parts below is not a plan, it is an opinion — together they are the thing you are held to afterwards, and the only thing a verdict can honestly be measured against.

Target allocation: What you hold and in what proportion. Every weight is one you affirmed yourself, not one that was set for you.
Contribution schedule: How much goes in, how often, and into which account. This is what turns a static target into a repeating action.
Rebalancing rules: When drift gets corrected, and how. Written in calm, so it does not have to be decided in a fall.
A goal: An amount and a date. Without it there is nothing to measure progress against, and a plan you cannot measure is a preference.

Why one plan and one instruction

What the plan is built on

Own what no issuer controls

A worldview, stated as one. Government bonds are absent from every model here because a bond is a promise denominated in the unit whose supply the issuer controls. That is a choice about what to own, not a claim that every bond always loses: inflation-linked bonds exist and have at times protected purchasing power. Your own plan is free to disagree.

Debasement, measured honestly

Euro-area broad money has grown at roughly 5% a year over the past two decades. Measured consumer prices rose at roughly 2% over the same period. Those are two different numbers measuring two different things, and merging them into one alarming figure would be dishonest. The gap is the argument for holding hard assets. It is not a forecast of your grocery bill.

History, never a promise

Since 2000 gold has compounded at roughly 8% a year above US consumer prices, over a window that begins near a multi-decade low in its price. Bitcoin fell roughly 77% from its 2021 peak to its 2022 trough. Both of those are records of what happened. Neither is a rate you are owed.

04 — The month

One instruction, then silence.

The rhythm is monthly and tied to the contribution, because the contribution is the one action that compounds. Between them there is nothing to do, and this is built to say so rather than to compete for your attention.

See the record in the live demo

The money arrives, and the plan is applied to it
Your weights, your contribution, your currency. The arithmetic is shown in full rather than asserted, and the quantities stay editable — it is a calculation on your own rules, not an instruction handed down.
You place the orders yourself
There is no order-execution path in this product, for any broker, by design. A month ends at a list you take to your own account, where you can see the live quote and choose the order type.
One tap records what actually filled
Adherence is the only outcome this product can honestly claim to cause, and it can only be measured if execution is recorded. Twelve of twelve is what a good year looks like here.
And when it falls, the same surface answers the only question that matters at that moment: whether this is the normal behaviour of the plan you wrote, or something that has genuinely broken. Each model’s worst year is published on its own page, before you need it rather than after.

05 — The models

A published library, identical for every visitor.

The models are read-only strategy templates: written here, edited by nobody, and built on one stated worldview — hard money first, with the reasoning shown rather than asserted. They are editorial, not advice: never ranked, filtered, or badged for whoever is looking.

A model becomes yours only by being copied into a plan, where every weight is one you affirmed yourself. Until then it knows nothing about you, and nothing on its page is assessed against your circumstances.

Read the published models

Every model page states

What it holds: Every sleeve and its weight, with the reasoning for holding it stated in full.
How it has behaved: Its history including its worst period, quoted at full depth — a record of what happened, never a rate you are owed.
What it is not: Plain language about what the model does not do, and who it does not serve.

Questions

The things worth asking first.

Is any of this investment advice?

No. The models are published editorial — identical for every visitor, never ranked, filtered or badged for whoever is looking — and the plan is one you author, affirming every weight yourself. What arrives each month is arithmetic on your own rules with the formula shown. No order is ever placed for you, and nothing here is assessed against your personal circumstances.

What does it cost?

There is no price on this page yet. The founding cohort is being formed in conversation rather than through a checkout, so the terms are something you hear from a person after you ask for an invite. Nothing is charged during the beta.

Is my brokerage data safe?

It connects through an Interactive Brokers Flex query — a read-only report you generate yourself and can revoke whenever you like. It cannot place a trade, move cash, or change one thing in your account; the token fetches statements and nothing else. You can also skip the connection entirely and enter your positions by hand.

Which brokers does it support?

Interactive Brokers today, through Flex statements. Manual entry works with any broker and always will, so an account that cannot be imported is still an account that can be tracked. Every broker added afterwards follows the same rule — read-only, or not at all.

How do accounts with no connection get in?

By hand, and the product is plain about that. Interactive Brokers imports through a read-only Flex query; every other account — the bank's broker, self-custody Bitcoin, anything else you own — is entered as positions you type in. There is no bank connector and no wallet sync, so a manual position changes only when you change it, and it is valued against the same stored closes as everything imported.

What happens when the market falls?

Nothing automatic. The plan you wrote already says what you said you would do, and each model publishes its own worst year on its own page — before you need it rather than after. A fall of that size is treated as normal behaviour for that model rather than as a malfunction. Whether you act is yours to decide; every change you make is recorded with its date and what it replaced, and that history stays visible.

How do invites work?

Registration is gated while the cohort is small enough that a real person reads every request. Ask for an invite and you get a single-use code with an expiry; redeeming it creates your account. The demo needs no invite and no account at all — it is a real book, read-only, that exists to be looked at rather than copied.

What about paper trading, AI reviews and the Bitcoin cycle pages?

Paper is one of the three ways in: a book with no real money behind it, for trying a plan before funding it. AI reviews and the Bitcoin cycle pages are a different case — they are in the product, they still work, they are not what it is for, and they are not being developed further. Each one says so where it lives rather than pretending otherwise.

Invite only

The demo needs no account. Your own plan needs an invite.

Tell us what you hold and where it lives, and we will send you a code. Registration stays gated while the cohort is still small enough that a real person reads every request, and while the terms are still settled in a conversation rather than on a page.

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