For self-directed investors with $500k+
Reliable income from your portfolio — without the advisor fees or the screen time.
ReTrader turns your portfolio into a disciplined income engine: a Treasury base with options premium layered on top. Target 8–10% a year — up to 9–12% in strong volatility regimes — with lower portfolio volatility and a built-in downside buffer. You stay in control; we handle the math, the tracking, and the reminders.
Already have an invite? Sign in
If you're managing it yourself, the math may be working against you.
You've built real wealth. But the way most portfolios are run quietly erodes the income — and the peace of mind — you actually retired for.
Advisor fees, every single year
A 1% advisory fee on $1M is $10,000 a year — in up markets and down, whether they beat the index or not. Over a 20-year retirement, that's hundreds of thousands of dollars gone.
Volatility you can't afford anymore
Buy-and-hold leaves you fully exposed. A 30% drawdown right as you start drawing income is the sequence-of-returns risk that ends retirements early.
No downside buffer
When the market drops, there's nothing cushioning the fall. You ride every dip to the bottom and hope it comes back before you need the money.
No clear way to track or refine
Spreadsheets, sticky notes, and guesswork. No clean signal on what's working, what's drifting, or what to do next week.
A T-bill portfolio with options written on top.
Simple, disciplined, repeatable — the same approach institutions use to manufacture income, made manageable for an individual investor.
The base return is the risk-free rate on the large majority of your capital, parked in short Treasuries and BIL. Selling cash-secured puts on a small basket of liquid ETFs layers option premium on top — and you sell those puts below the market, so you're paid to wait and enter with a cushion.
When a put is assigned, the wheel flips to covered calls until the shares are called away — then it restarts. Standing aside when implied volatility is thin is the correct action, not inaction.
Options premium is additive yield. It is not the base — and that's exactly why it's steadier.
Real numbers, not projections.
From the founder's own account, since inception — he runs ReTrader on it every week.
Gross, pre-tax, normalized to current Net Liquidation Value and annualized since inception — an estimate, not a time-weighted (GIPS) return. The T-bill/BIL figure is the prevailing ~4.3% short-Treasury yield applied to the share of capital held in T-bills/BIL. This is a short-volatility strategy: drawdowns can be significant in sharp declines, and a high put win-rate does not eliminate that risk. Individual results vary; past performance does not predict future results.
And a far smoother ride.
From the founder's own account, since inception — measured against AOR over the same months.
Time-weighted volatility and drawdown, measured month-end against AOR (iShares Core Growth Allocation ETF) sampled on the identical dates, so neither side gets a smoothing advantage. On a daily basis AOR's drawdown over the same window reached 9.8%. AOR is shown price-only (dividends excluded), which slightly understates its total return. In this strong, mostly-rising market AOR returned more on a money-weighted basis (~17.0%) — and took multiples of the volatility and drawdown shown here to do it. ReTrader trades some upside for income you can rely on. This is a short-volatility strategy: drawdowns can still be significant in sharp declines. Individual results vary; past performance does not predict future results.
What changes when you run ReTrader
8–10% target annual income
Premium income on a Treasury base — engineered for consistency, not lottery-ticket swings. 9–12% is achievable in favorable volatility regimes; the base return tracks the prevailing risk-free rate.
Lower portfolio volatility
Selling puts below the market means a smaller directional footprint than fully-invested equity and a smoother income stream — especially at conservative notional levels.
A real downside buffer
Every position is structured with room beneath the current price. You get paid for patience instead of riding the full drop.
On track, automatically
Daily and weekly email and text alerts tell you exactly when to act — and when to do nothing. No screen-watching, no second-guessing.
How it works
- 01
Set up your book
Enter your Net Liq, choose your ETF basket and target allocations, set your tolerance. No broker login required — your positions stay on your side.
- 02
Model and execute
ReTrader tells you which ticker, what strike, what DTE — and when to wait. You execute through your own broker at the mid, then log it in one click.
- 03
Track and refine
Daily recap, allocation-drift alerts, a market-hours stress monitor, and performance analytics by regime. Get smarter every cycle.
Built for one kind of investor
ReTrader isn't for everyone — and it's not trying to be. It's for the astute, self-directed investor who's done trading their time for their money.
You stay in control. Always.
We never touch your money
ReTrader is recommend-only. No broker login, no order routing, no custody. It tells you what to do — you decide and execute.
A documented framework
Every recommendation follows a written, rules-based system. No black box, no magic — you can see exactly why each call is made.
Your broker, your pace
Trade through the account you already have, on your schedule. ReTrader keeps the plan; you keep the keys.
Reliable income, lower volatility, and your week back.
ReTrader launches invite-only. Reserve your spot now — early members get in first.
Common questions
The FAQ page has 50+ definitions and answers covering every term and mechanic in the framework.
Browse the FAQs →Important. ReTrader is software that provides educational, rules-based recommendations — not personalized investment advice — and it never executes trades or touches your funds. Return figures are gross, pre-tax targets, not guarantees: the base return tracks the prevailing risk-free rate, and actual results vary with volatility regimes, execution, and the notional level you choose. Selling options is a short-volatility strategy — in sharp market declines, drawdowns can be significant, particularly at higher notional multiples. After-tax results depend on your account type and tax bracket. Designed for self-directed investors who understand options mechanics.