RefinedFI Gold+
Know exactly where you are. See where you are going. Stay on track.
Gold+ brings together the map, tools, and frameworks to help you move forward with confidence that you’re on track.
Building wealth. Preparing for retirement. Living off investments. All different maps. Gold+ pinpoints where you are, then delivers the specific portfolio, tools, and playbook designed for your next step.
Start with onboarding:
Choose your stage, identify the right starting point, then unlock the portfolio and tools built to solve your problem.
Who this is for
You’ve reached the point where financial mistakes can cost you years, not months.
But paying thousands for generic advice without proactive solutions isn’t worth it either.
Gold+ gives you a practical retirement system you can actually use: smarter decision-making, modern efficient portfolios, and tools designed to reduce the impact of major downturns as your life changes.
Whether you’re still building wealth, preparing to retire, or generating income from what you’ve saved, Gold+ gives you a process built for your stage.
What you get on day one
1. A stage-specific onboarding dashboard.
Your first step is not a pile of articles. It is a structured intake that identifies where you are: building wealth, preparing for retirement, or living off investments.
From there, Gold+ points you to the most relevant portfolio, tools, and research sequence.
2. The Harbor (Income Business) Portfolio — every position, every weight, and why.
If you're retired and worried about running out of money , start here.
Twelve positions. Eight income engines.
The full weightings. The rationale for each. The if-then playbook. The complete solution.
Structured so your income doesn't depend on a single macro outcome — and you're not forced into bad decisions when the market falls apart.
A peek behind the curtain
Start with the onboarding framework.
Pick where you are in the investing journey. Gold+ classifies the problem first, then routes you to the right starting point: accumulation, pre-retirement risk control, or retirement income.
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Sample preview. Member onboarding uses your full responses to build the starting dashboard.
$379/year · Cancel anytime · Immediate access
3. The Glidepath Portfolio — eliminate mistakes pre-retirement.
Learn the Four Frameworks: Foundation, Build, Refine, and Sustain. These give you a structured process for navigating the transition to retirement.
Access to the Glidepath Portfolio that has outperformed typical investor portfolios since 2016.
The full weightings. The rationale for each, and how to implement it into your existing portfolio.
4. The if-then playbook
Most advisors only tell you what to buy. They have no systems for being proactive with your portfolio.
Every Gold+ member receives an automated if-then dashboard for what actually matters:
bear markets, regime shifts, inflation spikes, and interest-rate shocks. The exact protocols are reserved for members — but here's the principle:
Most advisors notify you after the damage is already done. The Gold+ playbook maps your response before the storm arrives.
You don't make better decisions in a panic. You execute decisions you made when your head was clear.
That's what membership gets you: documented frameworks, mapped to specific market conditions, ready before you need them.
5. Institutional tools, built for retirement
Tools are only useful if they answer the right question. Gold+ uses onboarding to surface the risk that matters most, then points you to the dashboards built for that decision:
Institutional Grade Retirement Calculators
Are your contributions providing optimal tax savings? Do you know your retirment number and how long before you get there? Will you run out of money becuse inflation quietly drained your portfolio? Gold+ members get unlimited access to calculate and refine their most important numbers.
Portfolio Stress Tester
See how your retirement plan would have behaved during the worst market environments of the last century — before you experience one in real life.
Inflation Regime Indicator
Know the current inflation regime and how to adjust your portfolio appropriately.
Macro Regime Indicator
Identifies the prevailing macro regime — growth, inflation, recession, or deflation — and the playbook for each.
Bear Market Risk Filter
Identifies deteriorating market conditions before small losses become retirement-altering drawdowns.
These are institutional frameworks adapted for investors who need clear decisions, not more noise.
Who writes this
24+ years in institutional investment research. Mechanical engineering degree. MBA in Finance. Currently Head of Investment Research at a bank — actively conducting portfolio research and management today.
Not a marketer. Not an influencer. Not selling excitement disguised as investing.
This is the day job.
The frameworks here are the ones I use professionally for clients where portfolio mistakes carry lasting consequences. Gold+ translates them for anyone trying to make better decisions with the wealth they're building or the wealth they've already built.
I publish anonymously because I still run a research desk at a bank. Leaving to put my name on this would mean losing the institutional tools, data access, and real-time market perspective that make the analysis worth reading.
The tradeoff is anonymity for quality. I think it's worth it.
What it costs vs. what it replaces
$379/year is roughly:
$32/month
That's the cost of an Uber ride.
< 1 hour
Less than one hour with a fee-only financial advisor.
0.038%
Of a $1M portfolio — versus the 1% an advisor typically charges.
Cancel anytime. Keep what you've learned.
There's no contract. No multi year lock-in. You can cancel from your account in two clicks, anytime, for any reason. Your access continues through the end of the period you paid for.
The information you've already absorbed is yours to keep.
Frequently asked
Is this financial advice?
No. Gold+ is institutional-grade portfolios, tools and frameworks for educational purposes. It does not constitute personalized advice and is not a substitute for a licensed advisor who knows your specific situation. See full disclosures.
What if I already have an advisor?
Gold+ is designed as a data-driven second look. Many members use it to refine their current strategy or supplement an advisor who lacks institutional-grade tools.
Do you update the portfolios and tools?
Yes. When market conditions warrant a position change, framework update, or dashboard adjustment, members receive the rationale and implementation guidance.
Do I need a big portfolio to benefit?
The frameworks scale across portfolio sizes. The position sizing changes; the principles don't.
Will you push me to buy specific products?
No commissions. No affiliate links. No sponsored content. The only commercial relationship I have is with you.
How often do you publish research?
Roughly two pieces of research per month, plus updates to existing frameworks when conditions warrant. Published when there's something worth saying.
Retirement changes everything.
Mistakes can't be fixed with the next paycheck.
Start with the onboarding framework: your unique map to the proper portfolio, dashboard, and research tools built for your stage of the journey.
$379/year · Cancel anytime · Immediate access
*Performance metrics for the Harbor / Income Business Model are based on historical results and backtested models. Performance metrics for the Glidepath Portfolio are live client experience results. Actual investment results will vary. Past performance is not a guarantee of future results.