Occam's Investing

We Don't Follow the Crowd. We Follow the Cash.

Most investors drown in financial noise — thousands of SEC filings, complex GAAP tags, and misleading headlines. Our automated Signal Sentinel cuts through the complexity to find the few direct truths that actually matter.


Why Self-Directed?

In 2000, I sold my company and handed the proceeds to a Wall Street advisor who charged 2% annually — win or lose. I didn't like that math. So I took control, built a disciplined process around following the cash, and never looked back.

12 years of fully transparent, year-by-year performance — every green year and every red year. No cherry-picking. No hypothetical backtests. Just real returns from a real brokerage account.

See the Full Track Record →
1,604%
My Cumulative Return
437%
S&P 500 TR
342%
Dow Jones TR
3.7x the S&P 500 · May 2013 – Feb 2026

Past performance does not guarantee future results. Full disclaimer


10,000+
Companies Tracked
24/7
SEC Monitoring
3
Independent AI Analyses
<5 min
Filing to Alert

From SEC Filing to Actionable Intelligence

Our fully automated pipeline ingests raw SEC data, applies multiple analytical lenses, and delivers only high-signal alerts — with human approval before anything reaches the community.

📡
SEC Monitor
Real-time RSS
🔬
XBRL Extract
GAAP tag parsing
🪒
Occam Scoring
Rule of 40 + Divergence
🧪
Forensic Jury
3 AI analyses
👁️
Human Review
Approve / reject
🚀
Community Alert
Slack + Email

The Arsenal

Each tool applies a different lens to the same data, revealing what a single perspective would miss.

💀

Zombie Death Clock

Identifies "zombie companies" — firms that appear healthy on the surface but are burning cash, loaded with debt, and running out of time. The Death Clock estimates how long before the truth becomes undeniable.

Weekly leaderboard + individual critical alerts
🏢

REIT Dividend Safety

Analyzes Funds From Operations (FFO), payout ratios, and debt structures for Real Estate Investment Trusts. Catches dividend cuts before they happen by tracking the metrics that actually predict sustainability.

Triggered on every new 10-K/10-Q filing
🏦

BDC Dividend Safety

Specialized analysis for Business Development Companies — evaluating Net Investment Income coverage, NAV trends, and portfolio quality to score dividend sustainability.

SIC-code routed from the main pipeline
🧪

Multi-AI Forensic Review

Every significant alert is independently analyzed by three AI models — OpenAI, Gemini, and Perplexity. The "Forensic Jury" approach eliminates single-model bias and surfaces consensus insights.

3 independent analyses per alert · Human approval required
📐

Rule of 40 Scoring

Applies the Rule of 40 framework — combining revenue growth and profit margin — to score financial efficiency. Companies above 40 are healthy; below signals trouble worth investigating.

Occam Score calculated on every filing
🔍

Divergence Razor

Detects when reported metrics diverge from underlying XBRL data — a potential sign of aggressive accounting, restated figures, or hidden deterioration in financial health.

Yellow flag detection + automated alerts

The Sentiment Razor Feed

We track what management tries to hide — "Friday Trash Dumps," late filings, unusual amendments, and after-hours 8-K filings. The Sentiment Razor surfaces the patterns that precede bad news before it becomes headline news.

Available to community members as part of the ongoing forensic archive.

⚠ FRI 4:58 PM — ACME Corp files 10-K/A amendment
⚡ FRI 5:02 PM — Revenue restatement detected: -$42M
🔬 FRI 5:04 PM — Forensic Jury triggered (3 AI models)
✓ FRI 5:09 PM — Alert drafted → pending human review
👁️ SAT 8:12 AM — John approves → published to community
MON 9:30 AM — Market opens, ACME drops 12%

Join Occam's Investing

A free Skool community for data-driven investors who value simplicity over speculation. Premium offerings are coming in Phase 2.

Free

Community Member

$0 / forever
  • Access to the community discussion board
  • Weekly Zombie Death Clock leaderboard
  • Monthly summary reports
  • The Occam philosophy and educational content
  • Subscribe to email alerts
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Stop Drowning in Financial Noise

Let the Signal Sentinel do the work. Join a community that follows the cash, not the crowd.

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