Financial Intelligence Platform
ABV Financial Intelligence
Tax analysis · Retirement projections · Net worth modeling · Investment education
⚠️ Educational purposes only. Not financial advice. Consult a licensed professional.
Tax laws as of February 2026.
Tax laws as of February 2026.
Investment Calculator
Retirement Planner
Net Worth Builder
My Strategy
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Tax Calculator
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Abe's Rules
Compound Growth Engine
Investment Calculator
See how your money grows over time with consistent investing. Adjust the sliders to match your situation.
THE MOST IMPORTANT DECISION YOU MAKE
The single biggest factor in your long-term wealth is what you are invested in. Play with the return rates below - toggle between 7%, 10%, and 12% - and watch what happens to your balance. The difference is massive. Most people are in a target-date fund because that is what their employer defaulted them into. If it were my money, I would want to understand exactly what I own and whether a more aggressive allocation makes sense for my timeline. Check out the My Strategy tab to see how I invest.
Your Numbers
How much you have to invest right now
Expected Annual Return
Conservative = inflation-adjusted. Average = S&P 500 historical. Optimistic = growth-tilted portfolio.
Retirement Planning
Retirement Planner
YOUR RETURNS DEPEND ON WHAT YOU OWN
Before you project your retirement, understand this: the return rate you select below reflects what you are actually invested in. A target-date fund might give you 7%. A more aggressive portfolio could deliver 10-12% historically. Toggle the rates below and see how dramatically your retirement changes. If it were my money, I would not leave it in whatever my employer defaulted me into without understanding what I own. See the My Strategy tab for my approach.
See if you're on track for retirement and how much income your investments could generate.
Your Details
Total across all retirement accounts (401k, IRA, etc.)
Expected Return
Additional Retirement Income (Optional)
These are supplemental. Your investments are the foundation - SS and pension are just extra.
Average is ~$2,000/mo. High earners: ~$3,000-$4,000. Check ssa.gov/myaccount for your estimate.
If your employer provides a pension, enter your expected monthly benefit at retirement.
Wealth Projection
Net Worth Builder
Add all your accounts and properties to see your total projected net worth over time.
YOUR INVESTMENTS DRIVE EVERYTHING
The return rates you select for each account below are not random numbers - they reflect what you are actually invested in. Toggle between 7%, 10%, and 12% on any account and watch the total net worth change dramatically. Most people never look at what their 401(k) or IRA is actually invested in. If it were my money, I would know exactly what I own in every account. See the My Strategy tab for my approach.
Your Accounts & Assets
💵 CASH & EQUIVALENTS
💼 RETIREMENT (401k, etc.)
% of salary you contribute
% of salary employer adds
⚠️ IRS Caps: Employee max is $23,500/yr. Total (you + employer) max is $69,000/yr. We automatically stop at these limits no matter what % you enter.
Return Rate
🛡️ IRA
Max: $7,000/yr ($8,000 if 50+)
Return Rate
📈 BROKERAGE (Taxable)
Return Rate
🏠 PRIMARY HOME
Appreciation
U.S. homes have appreciated ~3-4% annually over the long term.
🏢 INVESTMENT PROPERTY
Appreciation
Investment properties may appreciate faster depending on location and improvements.
🎓 STUDENT LOANS
Investment Philosophy
My Investment Strategy
How I invest my money and why. Not advice - just what I personally do.
The Core Idea
Most people know about the S&P 500 - a fund that tracks the 500 largest U.S. companies. It's the gold standard of investing: diversified, low-cost, and historically returns about 10% per year. That alone will make you wealthy if you're patient.
But I go a step further. I invest in 5 funds total: the S&P 500 index fund as my foundation, plus 4 actively managed mutual funds that focus on areas I believe will outperform over the next 20-30 years - specifically technology, artificial intelligence, cloud computing, and large-cap growth.
I've been in this exact strategy since 2018. Through COVID, through rate hikes, through everything.
It's also a set-it-and-forget-it approach. I set up automatic investments once, allocated across these 5 funds, and I don't log in, I don't check it, I don't tinker. The money goes in every month on autopilot. That's it. No panic selling, no overthinking. Set it up once and let compounding do the work for decades.
Blended Portfolio Performance
Equal-weight average across all 5 funds. As of February 2026.
| Period | Blended Return | S&P 500 Alone | Difference |
|---|---|---|---|
| 1 Year | +20.43% | +16.33% | +4.10% |
| 3 Year (annualized) | +29.46% | +21.10% | +8.36% |
| 5 Year (annualized) | +15.27% | +14.97% | +0.30% |
| 10 Year (annualized) | +19.73% | +15.56% | +4.17% |
| Life of Funds | +13.40% | +11.22% | +2.18% |
| Blended Expense Ratio | 0.52% | 0.015% | +0.50% |
Is the higher expense ratio worth it? Over the last 10 years, the growth tilt has added ~4% annually over the S&P alone. The 0.50% higher fee is a fraction of that outperformance. Of course, past performance doesn't guarantee future results.
What the 5 Funds Invest In
THE 5 FUNDS & THEIR TOP HOLDINGS (as of Feb 2026)
1. Technology Sector Fund
Pure tech exposure - semiconductors, enterprise software, cloud infrastructure
NVIDIA (25.3%) · Apple (12.1%) · Microsoft (7.5%) · NXP Semiconductors · Marvell Technology · Cisco · ON Semiconductor · Micron · Shopify · Snowflake
2. Blue-Chip Large-Cap Growth
The biggest, most dominant growth companies in the world
NVIDIA (15.0%) · Apple (10.3%) · Alphabet (7.9%) · Amazon (7.8%) · Microsoft (7.2%) · Meta (4.3%) · Broadcom (3.8%) · Eli Lilly · Netflix · Marvell
3. OTC / NASDAQ Growth
NASDAQ-listed innovation companies - heavy tech and growth
NVIDIA (15.7%) · Apple (10.5%) · Microsoft (9.7%) · Alphabet (8.9%) · Amazon (6.0%) · Meta (3.7%) · Broadcom · Marvell · Tesla · ServiceNow
4. Large-Cap Stock Picker
Actively managed - finds undervalued growth across all sectors
Meta (12.4%) · NVIDIA (9.4%) · Berkshire Hathaway (6.0%) · Amazon · Microsoft · Alphabet · Eli Lilly · Salesforce · Visa · Mastercard
5. S&P 500 Index Fund (The Anchor)
Broad market exposure - 500 largest U.S. companies. The foundation.
Apple · NVIDIA · Microsoft · Amazon · Alphabet · Meta · Broadcom · Tesla · Berkshire Hathaway · JPMorgan Chase - plus 490 more. Low cost (0.015% expense ratio). This is the bedrock.
Notice the overlap: NVIDIA, Apple, Microsoft, Amazon, and Meta appear across nearly all 5 funds. That's intentional - these are the companies driving the AI revolution. The growth funds just give them even heavier weighting.
My take: The S&P 500 alone is a phenomenal investment. If that's all you ever do, you'll be wealthy. But if you have conviction about where the world is heading - AI, automation, cloud - a growth tilt can meaningfully accelerate your wealth. I've held this through every correction and I haven't sold a share. Time in the market beats timing the market.
Index Funds vs. Actively Managed Mutual Funds
Index funds are passive - they just buy every stock in an index like the S&P 500. Super low cost (0.015%), broad diversification, and historically beat most active managers over time. This is the default recommendation for everyone.
Actively managed mutual funds are run by professional stock pickers who try to beat the market. Most fail. But the ones that succeed - especially in sectors like tech - can meaningfully outperform. The tradeoff is higher fees and more concentration risk.
My approach: I use both. The S&P 500 is my anchor (60% of the philosophy). The 4 growth funds are my conviction bet on technology. It's worked for me since 2018, but I understand the risk that comes with concentration.
Want to Know the Exact Funds?
Reach out to me directly and I'm happy to share the specific fund names and tickers.
Alternative Investments
The 5-fund strategy above is my core portfolio - where the vast majority of my money goes. But I also allocate a smaller percentage into alternative investments for diversification, asymmetric upside, and because I find them genuinely fascinating. These are higher risk, less liquid, and not for everyone - but they can be powerful wealth accelerators when used responsibly alongside a strong foundation.
Bitcoin & Cryptocurrency
I believe in allocating 5-10% of my portfolio into Bitcoin. Not meme coins. Not altcoin gambling. Bitcoin specifically - as a long-term store of value and a hedge against inflation and currency devaluation. Institutions, governments, and the largest asset managers on Earth (BlackRock, Fidelity) are now holding Bitcoin. That tells you something.
MY ALLOCATION
5-10%
of total portfolio
Bitcoin is volatile - it can drop 50% in a month. That's exactly why you limit it to 5-10% and never invest money you can't afford to lose. But zoom out: over any 4+ year period in its history, Bitcoin has been positive. It's the best-performing asset of the last decade by a wide margin.
My approach: Buy consistently (dollar-cost average), hold long-term, don't panic sell, don't trade. Same philosophy as my mutual funds - set it and forget it. I buy Bitcoin the same way I buy index funds: automatically, every month, without looking at the price.
A Note on Real Estate
Why this is separate: Real estate doesn’t fit into a neat percentage allocation. A single property can represent a large portion of your net worth, so it naturally becomes its own category rather than a 5-10% slice. It’s a powerful wealth-building tool, but it requires significant capital, education, and patience. Below is what I’ve learned from my own experience - not a recommendation that everyone should follow the same path.
That said, real estate is one of the most powerful wealth-building tools that exists - not just for appreciation, but for the tax advantages that most people don't understand until they're in it.
TAX ADVANTAGES
• Depreciation - deduct the cost of the building over 27.5 years, even if it's going UP in value
• Mortgage interest deduction
• 1031 Exchange - sell a property and defer ALL capital gains by rolling into a new property
• Cost segregation - accelerate depreciation for massive year-one tax write-offs
• Pass-through income - rental income taxed at your rate, offset by deductions above
• Mortgage interest deduction
• 1031 Exchange - sell a property and defer ALL capital gains by rolling into a new property
• Cost segregation - accelerate depreciation for massive year-one tax write-offs
• Pass-through income - rental income taxed at your rate, offset by deductions above
WHY I PREFER DEVELOPMENT
I prefer larger development plays - ground-up construction, major renovations, multi-unit projects - over small fix-and-flips. Why?
• Better ROI per dollar of effort
• Better use of my time
• Scalable - one big deal beats ten small ones
• Forces from the market side (housing demand, zoning) favor bigger projects
• Tax benefits are significantly larger on development deals
• Better ROI per dollar of effort
• Better use of my time
• Scalable - one big deal beats ten small ones
• Forces from the market side (housing demand, zoning) favor bigger projects
• Tax benefits are significantly larger on development deals
Small flips can be profitable, and I've done them. But flips are very profitable, but they are also a lot of work - especially if you are managing other businesses, have a career, or have other priorities pulling at your time. Don't let anyone scare you into thinking real estate is rocket science. It's not. You can do it. You just have to run the numbers. Men lie, women lie, numbers don't. Math is math.
Flips vs. Development: The time, stress, and contractor headaches of a flip versus a development deal aren't proportional to the returns. Think bigger. One well-executed development project can generate more wealth than years of flips combined.
My take: Real estate is one of the few investments where you can use leverage (a mortgage), get tax benefits, earn cash flow, AND build equity simultaneously. It's how generational wealth has been built for centuries. But it requires education, capital, and patience - don't jump in without understanding the numbers.
Angel Investing & Venture Capital
What is this? Angel investing and venture capital (VC) is investing in private companies BEFORE they go public. Think of it like being on Shark Tank - except the companies are real startups, the checks are real, and if you pick right, the returns are life-changing. You're buying equity in a company when it's worth $5 million, hoping it becomes worth $5 billion.
EARLY STAGE (Seed / Series A)
The company might just be an idea, a prototype, or a small team with early traction. This is the riskiest stage - most companies at this point will fail completely. But this is also where the biggest returns come from. You're investing at a valuation of $2M-$20M. Typical check: $1K-$25K.
Think: Uber in 2010, Robinhood in 2013, Airbnb in 2009. Nobody knew these names yet.
Think: Uber in 2010, Robinhood in 2013, Airbnb in 2009. Nobody knew these names yet.
LATE STAGE (Series C-F / Pre-IPO)
The company is already big - real revenue, real users, real brand. You're investing at a valuation of $500M-$10B+. Less risky than early stage, but the return multiples are smaller. Typical check: $25K-$500K+.
Think: SpaceX, Stripe, or Databricks right before they go public. You know the company works - you're betting on the IPO pop.
Think: SpaceX, Stripe, or Databricks right before they go public. You know the company works - you're betting on the IPO pop.
WHAT WOULD $5,000 IN THE SEED ROUND BE WORTH TODAY?
| Company | Seed Valuation | Peak / Current Value | Your $5,000 Becomes... | Return |
|---|---|---|---|---|
| Robinhood | ~$5M (2013) | ~$50B peak (IPO 2021) | ~$50,000,000 | 10,000x |
| Airbnb | ~$2.5M (2009) | ~$85B (IPO 2020) | ~$170,000,000 | 34,000x |
| Uber | ~$4M (2010) | ~$160B market cap | ~$200,000,000 | 40,000x |
| The Other 97% | Various | $0 (Failed) | $0 | -100% |
Rough estimates based on seed valuations and peak market caps. Actual returns depend on share class, dilution, and timing of exit. These are extreme outliers - not typical outcomes.
THE REALITY CHECK
For every Uber, there are hundreds of companies that go to zero. Just like Shark Tank - you see the success stories on TV, but most deals on that show never make a dime. In venture capital, the industry standard is that 6-7 out of every 10 investments fail completely. Another 2-3 return modest amounts. And maybe 1 out of 10 hits big enough to make the entire portfolio profitable. That one winner has to be big enough to cover all the losses and then some. That's the game.
⚠️ WHO CAN INVEST? (Accredited Investors Only)
The SEC restricts private investments to accredited investors - people who meet at least one of these criteria:
• Income: $200,000+/year individually, or $300,000+ combined with a spouse, for the last 2 years
• Net Worth: $1,000,000+ in assets (excluding your primary home)
• Net Worth: $1,000,000+ in assets (excluding your primary home)
This exists to protect people - venture capital can lose 100% of your money, and the SEC wants to make sure you can absorb that loss. Realistically, this only makes sense when you're earning $500K+ per year and have your core investments fully funded. It's play money - money you can truly afford to never see again.
Here's the thing nobody tells you: Getting INTO venture capital deals is nearly impossible. The best deals - the ones that produce those 1,000x returns - are incredibly competitive. Thousands of investors are trying to get into the same hot startup. It's like a secret society. The top VC firms (Sequoia, Andreessen Horowitz, Benchmark) get first access. Then their network of partners and friends. By the time a deal reaches "regular" accredited investors, it's usually late-stage at a high valuation with much smaller return potential.
The way in? Relationships. You need a friend who works at a VC firm, a founder who's raising a round, or access to a syndicate (like AngelList) where deals are shared with a broader group. Even then, allocation is limited - you might only get $2K-$5K into a deal everyone wants.
My take: If you hit once, you're good for life. A small check into the right company at the right time can return more than a lifetime of salary. But the odds are stacked against you, and 90%+ of your picks will go to zero. This is the highest-risk, highest-reward game in investing. It's not for your retirement money. It's for the portion of your portfolio you've mentally written off - and it only makes sense after everything else is fully funded. If you have any friends in the venture capital world, please connect us - I'm always looking for access to quality deal flow.
MY OVERALL PORTFOLIO PHILOSOPHY
80%+
Core Investments
5-fund strategy + retirement accounts
5-10%
Bitcoin
Long-term hold
5-10%
Venture / Angel
High-risk moonshots
REAL ESTATE
Primary home + investment properties. No fixed percentage - this is the foundation underneath everything else.
Primary Residence
Investment Properties
Development Projects
Core portfolio comes first. Always. Alternatives only after the foundation is solid. Real estate is discussed separately below - it can be a huge wealth builder, but it's its own category.
Past performance does not guarantee future results. All data as of February 2026. These are my personal investments and opinions, not financial advice or recommendations. Expense ratios reduce net returns. Alternative investments carry significant additional risk including total loss of principal.
Income Tax Engine
Tax Calculator
See exactly how your income is taxed at every level - federal brackets, state tax, FICA - and compare W-2 vs 1099 vs S-Corp.
Your Income
I live in NYC (adds city tax)
How Are You Paid?
This reduces your taxable income dollar-for-dollar (max $23,500 for employee, $69,000 total for Solo)
Relocation Analysis
State Tax Comparison
Thinking about moving? See exactly how much you'd save (or lose) by comparing two states side-by-side.
Setup
What-If Analysis
Compare Two Scenarios
What if you invest more? Start earlier? Get a higher return? See two paths side-by-side.
Scenario A
Scenario B
My Playbook
What I Personally Do
Not financial advice. This is what I do.
Educational Reference
Account Types & My Strategy
Plain-English breakdown of retirement accounts, tax advantages, and my personal investment approach.
ABV Financial Intelligence
I built this to help friends, family, and anyone who wants to learn about personal finance and investing.
This is not financial, investment, tax, or legal advice. Everything here is for educational purposes only. Projections are estimates. Past performance does not guarantee future results. Consult a qualified professional before making financial decisions.
The difference between paying attention and not can be millions of dollars over your lifetime. Play with the numbers. See for yourself.
This is not financial, investment, tax, or legal advice. Everything here is for educational purposes only. Projections are estimates. Past performance does not guarantee future results. Consult a qualified professional before making financial decisions.
The difference between paying attention and not can be millions of dollars over your lifetime. Play with the numbers. See for yourself.