Where to Start
The same tools serve quite different questions depending on who’s asking. An advisor needs something defensible in front of a client; someone eight years from early retirement needs to know whether their number survives a bad decade. Pick the closest fit and start there.
Self-Directed Investors
You manage your own money and want the analysis an advisor would run before recommending an allocation — optimization across 27 asset classes, Monte Carlo retirement projection, and honest drawdown numbers.
FIRE Planners
Whether the number actually works. Safe withdrawal rate against a survival heatmap, Monte Carlo across 1,000 paths with fat-tail adjustment, and what happens to a 4% rule built on forward-looking rather than historical returns.
Financial Advisors & RIAs
Institutional-grade portfolio construction without the institutional licence fee. Five optimization methods, J.P. Morgan assumptions, and a client-ready PDF report you can put in front of someone.
Finance Students & CFA Candidates
The curriculum, made interactive. Mean-variance optimization, Black-Litterman, Hierarchical Risk Parity and Risk Parity running on real data, so you can see what the maths does rather than only prove it.