Freedom Engine
PLEX portfolio framework with ticker analysis, Income Amplifier terms, and Flow strategy — the complete Invest Capital knowledge base.
Bedrock (65%) — Stability. Price stability > max drawdown > correlation > maintenance req. > yield.
Cash Flow (34%) — High yield. Accept NAV erosion and higher volatility for income.
Hedge (1%) — Protection. Moves opposite direction. Asymmetric bets.
| Ticker | Name | Type | Yield | Sub-Pie % | Action |
|---|---|---|---|---|---|
| UTG | Reaves Utility Income Fund | CEF | 5.7% | 15% | KEEP |
| UTF | Cohen & Steers Infrastructure Fund | CEF | 7.5% | 12% | KEEP |
| NML | Neuberger Berman Energy Infrastructure & Income Fund | CEF | 8.6% | 12% | KEEP |
| VVR | Invesco Senior Income Trust | CEF | 5% | 10% | GROW |
| BKLN | Invesco Senior Loan ETF | ETF | 5% | 10% | GROW |
| FTSL | First Trust Senior Loan ETF | ETF | 7% | 10% | GROW |
| FLRT | Pacer Pacific Ridge Floating Rate High Income ETF | ETF | 6.5% | 10% | GROW |
| TBIL | US Treasury 3-Month Bill ETF | ETF | 4% | 12% | ADD |
| NIE | Virtus Equity & Convertible Income Fund | CEF | 7.9% | 9% | KEEP |
| Ticker | Name | Type | Yield | Sub-Pie % | Action |
|---|---|---|---|---|---|
| KIO | KKR Income Opportunities Fund | CEF | 13.1% | 18% | KEEP |
| RLTY | Cohen & Steers Real Estate Opportunities & Income Fund | CEF | 8.6% | 14% | KEEP |
| BBDC | Barings BDC | BDC | 11.8% | 16% | KEEP |
| PBDC | Putnam BDC Income ETF | ETF | 10% | 14% | KEEP |
| ASG | Liberty All-Star Growth Fund | CEF | 8.4% | 12% | KEEP |
| FSCO | FS Credit Opportunities Corp | CEF | 13.5% | 10% | MONITOR |
| Ticker | Name | Type | Yield | Sub-Pie % | Action |
|---|---|---|---|---|---|
| FSK | FS KKR Capital Corp | BDC | 17.3% | - | REPLACE → ARCC |
| XFLT | XAI Octagon Floating Rate & Alt Income Trust | CEF | 15.5% | - | REPLACE → JAAA |
| QQQY | Defiance Nasdaq 100 Enhanced Options Income ETF | ETF | 81% ROC | - | REPLACE → JEPI |
| NCDL | Nuveen Churchill Direct Lending Corp | BDC | 11.1% | - | REALLOCATE → senior loans |
| BIZD | VanEck BDC Income ETF | ETF | 14.6% | - | REALLOCATE → TBIL/senior loans |
| Ticker | Name | Type | Yield | Sub-Pie % | Action |
|---|---|---|---|---|---|
| YMAX | YieldMax Universe Fund of Option Income ETFs | ETF | 47% (mostly ROC) | 55% | ADD |
| YMAG | YieldMax Magnificent 7 Fund of Option Income ETFs | ETF | 48% (mostly ROC) | 45% | ADD |
| Ticker | Name | Type | Yield | Sub-Pie % | Action |
|---|---|---|---|---|---|
| ARCC | Ares Capital Corporation | BDC | - | 10% | |
| JAAA | Janus Henderson AAA CLO ETF | ETF | - | - | |
| JEPI | JPMorgan Equity Premium Income ETF | ETF | - | 6% |
Margin-based portfolio with three tiers: Bedrock (65%), Cash Flow (34%), Hedge (1%). Stability-first approach with strict safety guardrails including DSCR and DTA limits.
Fynanc's automated cash flow management system. Content will be populated as community sessions deliver Flow-specific training. Currently covering awareness, optimization, systemization, and mastery tiers.
Coined by TPJG — As concepts evolve through teaching, terms gain new distinctions. What you learn in Grow Capital may shift in meaning as you enter Invest Capital. Each evolution is marked so you can trace how understanding deepens over time.
The annual debt service (principal + interest) expressed as a percentage of the original loan amount. Used to quickly compare borrowing costs across different loan structures. In the Income Amplifier, the 75% loan constant determines the cash flow rate for each cycle.
The net income generated per amplifier flip cycle after deducting borrowing costs. Must be positive for the amplifier to work.
A capital-cycling strategy that uses a credit facility (HELOC/LOC) as a funding line. Borrow at one rate, invest at a higher rate, earn the spread, repay, and repeat.
The difference between the yield earned on an investment and the cost of borrowing to fund it. Spread = Investment Yield - LOC Borrowing Rate.
Year 1-2 of the Fynanc wealth journey. The accumulation phase where the Income Amplifier builds capital. Focus all Thrust on growing capital size before moving to Invest phase. Scattered effort across phases delays wealth building by decades.
A specific Income Amplifier strategy type that incorporates a forgiveness component in the credit structure.
A proven Income Amplifier flip pattern shared within the Fynanc community. Members replicate established playbooks.
The Fynanc financial planning tool that calculates optimal LOC sizes, contribution rates, and timelines for achieving passive income targets.
Fynanc's automated cash flow management system covering 4 stages: awareness, optimization, systemization, and mastery of money movement. Automates transfers between Income Hub, Sweep Account, and Bill Pay to maximize capital velocity.
A strategy to redirect income streams that normally flow to commercial banks back to yourself using a private banking structure. Based on the concept that your income is a source of income streams to banks, and you can capture that value instead.
The concept of cycling capital through multiple uses quickly rather than letting it sit idle. Each dollar does multiple jobs in a short time frame, compounding returns without needing additional capital.
The overarching wealth operating system encompassing IRIS, Income Amplifier, and FLOW. It is the machine that cycles capital through the R-C Loop (Return-Capital Loop) repeatedly to accelerate wealth building.
A scheduled recurring review session where you implement action plans from each Fynanc strategy. Your Money Date Playbook contains all action plans organized for systematic execution.
A regular series of payments from one party to another. Wealth building requires moving from the paying side to the receiving side of income streams. Banks profit from income streams generated by your labor.
A margin-based investment portfolio structured into three allocation tiers (Bedrock 65%, Cash Flow 34%, Hedge 1%).
The foundation tier of PLEX, comprising minimum 65% of portfolio value. Selected for price stability, low max drawdown, low market correlation.
The income-generating tier of PLEX, comprising 34% of portfolio value. High yield, accepts NAV erosion and higher volatility.
The protection tier of PLEX, 1% of portfolio. Moves opposite direction. Asymmetric payoff potential.
The #1 priority criterion for Bedrock tier selection. Low standard deviation of price over time.
Maximum peak-to-trough decline in a ticker's price. Check 5-10 year chart for crash survival.
How closely a ticker's price movements track the overall stock market. Seek non-correlated for Bedrock.
Minimum equity a brokerage requires when using margin. Lower IMR = more margin available. M1: 45%, Schwab: 100%, IB: 25%.
The percentage weight of an individual ticker within its tier. Each tier sums to 100% internally.
Debt Service Coverage Ratio. Safety metric measuring whether portfolio income covers debt obligations. Non-negotiable.
Debt-to-Asset Ratio. Must remain below 40%. Exceeding puts portfolio in margin call danger territory.
A capital structure component in the Fynanc Toolbox for secure capital parking and leverage management within the PLEX system.
An advanced PLEX strategy that layers multiple yield sources on the same capital base -- dividends, margin interest arbitrage, appreciation -- to maximize total return per dollar deployed.
The sequential framework for building wealth: Grow Capital (increase pile size) -> Invest Capital (move capital into passive-flow structures) -> Preserve Capital (protect from taxes and inflation). Mixing phases slows progress; focusing all thrust on one phase at a time creates unstoppable momentum.
The concentrated financial effort applied to a single phase of the Order of Operations. Wealth Creators focus all their Thrust on one objective at a time rather than scattering effort across multiple goals.
The third phase of the Fynanc wealth journey. Protecting the wealth system from taxes and inflation. Should only be focused on AFTER Grow and Invest phases are established.
The second phase of the Fynanc wealth journey. Moving grown capital into structures that produce passive cash flow (PLEX, FLOW, etc.).
Flow content and specific terminology will be added as community sessions are delivered. This section is a placeholder for the third strategy within Invest Capital.