Your whole financial life, run to one risk level.
One desk to plan, invest, trade, track and file. Set how much a bad year may cost you. Every idea, rebalance, trade and alert is then measured against that number, and nothing reaches your book until it clears a research bar most ideas fail.
- Plan
- Portfolio
- Wealth
- Tax
- Research lab
- Strategy accounts
- Ask
- TJXcuts risk
- ANETfits
- UBERfits
- TSMbreaches
- 342
- studies the lab ran in week 42. None passed the bar, so none reached a book.weekly job, Oct 12 to Oct 16
- 0 of 4
- well-known ways to follow smart money beat the market for real.lab runs 176 to 179, 2026-09-30
- 24 + IL
- official IRS form PDFs filled, plus the Illinois resident return.IL-1040, IL Sch NR, IL Sch M, IL Sch ICR
- 0
- orders the AI can place. You confirm each one with your authenticator code.house rule 1
Everything you own, on one desk.
The brokerage book sits beside the house, the rental, the 529, the bills and the tax bill. Each figure names its source and date, and a stale one says so.
- Net worth across accounts, property and private stakes, kept current from the FHFA index and statements.
- Drop a 1099, a K-1 or a card statement. It reads the file, checks each figure against its page and builds the return for your CPA.
- A written policy you sign once, and a scenario studio that replays 2008 and 2022 against your plan every night.
- Every date with money on it, synced to your own calendar.
| Item | Value |
|---|---|
| Brokerage book, 3 accountsE*TRADE via SnapTrade and a Google Sheet | $768,412 |
| Home (primary)FHFA house price index, 2026-06-30 | $998,000 |
| Rental condo, Unit 4BFHFA house price index, 2026-06-30 | $458,500 |
| Savings (emergency fund)bank statement, 2026-09-30 | $50,000 |
| 529 plan (college)Plaid, read-only, 2026-10-02 | $41,000 |
| HSA, investedFidelity HSA statement, 2026-09-30 | $28,500 |
| Checkingbank statement, 2026-09-30 | $14,000 |
Seven of the household's items. Debts and the rest are on Wealth, Net worth.
| 2026, projected | Tax |
|---|---|
| Federal | $147,758 |
| State | $31,934 |
| Net investment income tax | $1,236 |
| Self-employment and Medicare | $4,565 |
| Total | $185,493 |
Harvest losses in LLY, META and XLE and it falls by $2,113.
- 1040
- Sch 1
- Sch 2
- Sch 3
- Sch A
- Sch B
- Sch C
- Sch D
- Sch E
- Sch SE
- 1116
- 4562
- 4797
- 6251
- 6252
- 8582
- 8824
- 8829
- 8949
- 8959
- 8960
- 8995
- 8995-A
- 8995-A Sch A
- IL-1040
- IL Sch NR
- IL Sch M
- IL Sch ICR
Estimates, not tax advice. Your CPA reviews and files the return. No e-file.
| Saved scenario | Chance of the goal |
|---|---|
| The plan as accepted16% level, $2,500 a month, Sep 2031 | 18% |
| A 30% fall in year onereplays 2008, early in the plan | 3% |
| Stop additions for 18 monthsa sabbatical or a home purchase | 15% |
| Work two more yearsgoal date Sep 2033 | 45% |
Re-run every night against the book as it stands.
| Date | What | Kind |
|---|---|---|
| Oct 2 | COST reports after the close. Expected move 3.4%. | Earnings |
| Oct 9 | September jobs report, the swing factor for rates. | Economy |
| Oct 9 | JPM turns long-term. Holding until then saves about $877. | Tax |
| Oct 14 | JPM earnings. | Earnings |
The sample book at its fixed dates. Synced to your own calendar by a signed link with no amounts in the feed.
Famous ways to follow smart money, tested out of sample.
Each ran against a 50/50 blend of the S&P 500 and Nasdaq-100 over the same sessions. Beating the market on paper is not proof.
The lab also tests itself
- A noise marketEvery rule family runs on seeded pure-noise prices and must fail. One that passes there is fitting noise.
- Random entriesExit rules re-run on random entry days. An exit that wins either way is not an edge.
- Double costsA survivor is re-run at twice the trading cost, never less than 5 basis points.
- A hostile reviewerA separate AI reads an imported strategy for lookahead, missing costs and survivor-only data. A lab run checks each finding.
- AI earns its weightAn AI input counts only after its calls are graded and show measured skill.
From a thesis to a strategy account, on the same bar.
Bring a strategy you read about or write your own. If it passes, give it dollars and let it trade on paper while the record builds.
Bring the idea
Type a thesis and edit it as a workflow, pick one the AI proposed, import a TradingView strategy or run your own Python in a sandbox.
Ask, Workflows, ImportThe lab tests it
A walk-forward out of sample, the five checks and the self-tests. Each run lists its trades, drawdown and results by market regime beside buy and hold.
daily, hourly, 15-minute and 1-minute barsGive it an account
Open a strategy account with a dollar amount. It trades each session, or the moment an event you pick happens: earnings, a filing, a CPI print, a price level.
paper first, alwaysWatch the record
Each account reports daily against the house baseline, with its own survival window. A daily review flags one that drifts from its backtest.
live only after the record clears the bar
- Stocks and ETFs
- Option strategies on ORATS volatility
- Long-short books
- Coins
- ML classifiers
- Tick history
- Prediction-market odds
- at most $25,000 an order
- stops after a 5% loss in a day
- never holds more than its dollars
- kill switch and pause
- every order in that day's notice
Say it in plain words. It drafts. You decide.
Ask reads every page and can draft any change the desk can make: a trade, a rule, a budget line, a scenario. Each arrives as a card that says how it fits your risk level. Nothing runs until you click, and a trade also needs your code.
Sample. The gate also needs a walk-forward that beats SPY and QQQ net of AI spend.
Trim AVGO and put it into ANET, inside my risk level.
Two drafts. Both keep the book inside your 16% band.
Volatility 17.8% to 17.6%. 1.33% of the book.
Adds 1.3% of the book. The most that stays inside your band is 2.3%.
It keeps working when you close it.
A desk agent on your schedule
It works the goal and lists what needs you: a rebalance, a harvest, an order to draft. It proposes. You click.
Your phone knows first
Install StockGaines and get a push for a signal, a fill, an alert or the morning board.
One honest letter every Saturday
What worked, what failed and what the lab found, with the market beside your book.
Nothing here moves money on its own. It watches, proposes and tells you, and you decide.
Your book held up better than the market.
- The lab ran 342 studies: none passed the bar.
- The Oct 10 top 10: 6 of 10 beat the S&P 500.
Built like money is at stake, because it is.
- The AI drafts. You decide.
The AI has no tool that places an order. A chat trade is a card you confirm with a fresh authenticator code. A strategy account trades only inside the dollars and limits you set.
10-minute expiry, one confirm per draft - Every number has a source.
Each figure names where it came from and when, down to the lab run or the filing.
lab run 179, 2026-09-30 - Bank links read, never move.
Plaid and broker data links are read-only. Your keys are sealed in your own vault.
read-only - Every import can be undone.
A document batch, a bulk edit or a rule change comes back out in one click.
Undo this import - Tax is an estimate.
The return is prepared for your CPA to review and file. There is no e-file.
Estimates, not tax advice. - Research, not advice.
StockGaines is not a registered adviser and promises no returns. Past results do not predict future ones.
not a registered adviser
Bring your goal. The desk will tell you the odds.
StockGaines is open by invitation while the record builds. Enter your code to set up your desk, or sign in.