About

Hey everyone!

Welcome! Grab a coffee (or a beer), get comfy, and let’s get to know each other.

My name is Waver, and I want to be your Finance Best Friend. You know, the one who helps you decode the madness when the market goes crazy? The one who explains why things are moving in plain English, without the jargon and without trying to sell you a magical course.

I’m obsessed with finding hidden compounders—the world-class businesses that fly under the radar while everyone else chases the latest hype. And I’m allergic to complexity.

My (Not So) Fancy Backstory

I’ve been swimming in the financial ocean for over a decade. My first real gig was as a sales trader at a big Spanish bank. It sounds fancy, right? Like Wolf of Wall Street stuff?

Spoiler: It taught me a lot about fear, greed, and people screaming at screens. But it taught me almost nothing about analyzing business quality. Trading is about the next ten minutes. Investing is about understanding the next ten years.

So, I left the trading floor to work in Fintech (the plumbing of the financial world). I stopped trying to guess stock prices and started obsessing over how money actually moves around the world—the infrastructure, the data rails, the unsexy businesses that power everything.

That shift changed everything.

My “Sleep Well at Night” Philosophy

I’m not a financial advisor, and I don’t have a crystal ball. I’m simply sharing my personal journey and my homework with you.

My rule: If I can’t explain a business model to a five-year-old, I don’t invest in it.

Here’s how I operate my own capital:

1. My Sandbox (Infrastructure & Plumbing)

I stick to what I know. I’ve spent my career in financial services, so that’s where I focus my research. I look for the companies that control the “rails” of the economy—payments, data, insurance, exchanges.

It’s boring. It’s invisible. And it prints money.

2. The “Moat” Test

I look for businesses with fortress moats—competitive advantages so strong that competitors can’t touch them even with unlimited capital. Network effects, switching costs, proprietary data. If the moat isn’t obvious, I pass.

3. The Desert Island Rule

If the stock market closed for 10 years, would I be happy holding this business? If the answer is “meh,” I move on.

The result? A concentrated portfolio of 5-7 stocks that I actually understand and trust. No diversification for the sake of diversification. Just conviction.

What I Do Here

Every week, I analyze a company using my “Napkin Math” framework. I’m talking full deep-dives—the kind where I spend 6+ hours reading 10-Ks, modeling out returns, researching competitors, and stress-testing the valuation.

Then I write it all up in plain English so you don’t have to.

What You Get:

📊 Every Friday: One Deep-Dive Company Analysis

• The business model (explained like you’re five)

• The moat analysis (why it’s hard to kill)

• The “Napkin Math” valuation (5-year expected returns)

• My proprietary research (custom charts, competitive analysis, contrarian takes)

• My honest take (bull case, bear case, sleep score, the one-liner)

Format: 3,000-4,000 words. The first half is free (you learn the framework), the second half is paid (you get my unique insights).

📈 2x Per Month: Bonus “Market Pulse” Posts

• Quick takes on hot topics (Fed decisions, earnings surprises, sector trends)

• Chart breakdowns and data visualizations

• Lessons learned from my own portfolio

• No deep research required—just smart commentary

These are 100% free. Think of them as staying top-of-mind between the Sunday deep-dives.

The “Waver Framework” (What Makes This Different)

I don’t just regurgitate analyst reports or pump stocks I own. Here’s what you get that you won’t find elsewhere:

1. The “Napkin Math” Valuation

I calculate expected 5-year returns using a simple formula:

Total Return = (EPS Growth %) + (Shareholder Yield %) ± (Multiple Change %)

No complex DCF models. No bullshit. Just: If I buy this stock today at this price, what will my annual return likely be?

2. Proprietary Research (Not Recycled News)

Every analysis includes at least ONE thing I researched myself:

• Custom historical valuation charts

• Competitive deep-dives (I track every company that tried to disrupt the leader)

• Unique comparisons (metrics nobody else is looking at)

If I didn’t learn something NEW while writing it, I don’t publish it.

3. The “Sleep Well at Night” Score

Every stock gets rated 1-10 on how well I’d sleep owning it. A 10/10 is Berkshire-quality. A 5/10 is “meh.” A 1/10keeps me up at night.

This isn’t about price targets or buy/sell ratings (I’m not a licensed advisor). It’s about quality assessment—helping you think like an owner, not a trader.

My Portfolio (Full Transparency)

I eat my own cooking. My personal portfolio is ultra-concentrated: 6 stocks, with my top 3 positions making up ~70% of my holdings.

Historical Performance: 21% CAGR over the last 5 years. (Past performance is not indicative of future results, but hey, it’s been a good ride.)

I don’t “diversify” for the sake of it. I pick companies carefully, study them obsessively, and hold for years. I treat my stocks like I treat my friends: quality over quantity.

What I share with paid subscribers:

• My current holdings (updated quarterly)

• Buy/sell decisions with full explanations

• Portfolio updates (”What I’m watching,” “Mistakes I made,” “Why I’m holding/trimming”)

Who This Is For

✅ You want to learn how to analyze businesses yourself (not just get stock tips)
✅ You prefer depth over breadth (1 great analysis per week > 10 mediocre ones)
✅ You have a longer time horizon (thinking in years, not weeks)
✅ You like boring, profitable businesses (infrastructure, data, plumbing—not meme stocks)
✅ You value honesty over hype (I’ll tell you when something is overvalued, even if I own it)

❌ This is NOT for you if:

• You want daily stock picks or trade alerts

• You’re looking for get-rich-quick schemes

• You prefer diversification into 50+ stocks

• You hate reading 3,000-word analyses

My Promise

I’ll be honest, transparent, and occasionally funny (or at least I’ll try).

Free subscribers get:

• The full “Machine” section of every deep-dive (business model, moat analysis, the numbers)

• 2 bonus “Market Pulse” posts per month

• The framework to analyze stocks yourself

Paid subscribers get:

• My proprietary research (the insights you can’t find elsewhere)

• My full “Take” on every company (sleep score, bull/bear cases, the one-liner)

• Portfolio updates and holdings transparency

• Access to the full archive (50+ deep-dives and growing)

The Goal: Make you a better investor. Not by telling you what to buy, but by teaching you how to think about quality businesses.

Ready to Roll?

Subscribe for free to get the educational content and framework breakdowns.

Upgrade to paid ($12/month or $100/year) to unlock my full research and proprietary analysis.

Let’s find some compounders together.