Fynanc Academy — Every Indexed Session

Every indexed session

What each session taught

Topics and numbers are the verbatim synthesis already held in tools/build_plex_calls_pages.py — the same source the per-call pages render from. Nothing is re-summarised here.

2026-07-15 · PLEX Portfolio

Hands-on portfolio WORKSHOP — members share M1 screens live, coaches re-tag each holding by Core Role. Central lesson: build more Bedrock first.

• Format: hands-on portfolio WORKSHOP (not a lecture) — members share M1 screens live; coaches walk each pie reading quantity / price / % of portfolio and re-tag holdings by Core Role.
• Scaling recap: prior week combined Velocity assets + PLEX; this call checks how members are doing with that combination before the live reviews.
• Moving Income Amplifier → M1 / PLEX: contact M1 directly (named contact: Luke) to hold an existing Income Amplifier (~6 funds) alongside the ~23-fund PLEX. M1 will NOT move holdings between accounts or merge pies automatically.
• M1 Smart Transfers & priority: reorder Smart Transfer rules to control funding order (e.g. when the safety buffer funds); tie the ordering back to your stability protocol.
• PLEX Portfolio Analyzer: use the tool to see what needs adjusting and rebalance allocations over time.
• "Core Roles" framework: Bedrock / Growth / Income / Stability / Liquidity-Cash. Members assign each holding a role (Stability and Bedrock can be set to 0); coaches review the mix live.
• CENTRAL COACHING LESSON — more Bedrock: most reviewed portfolios were over-weighted in cash-flow tickers and light on Bedrock. "What actually builds your wealth is having more Bedrock." Build Bedrock up FIRST for stability, then layer in cash flow.

Numbers

• Income Amplifier ~6 funds vs PLEX ~23 funds (why they can't be trivially merged in M1).
• Example plan value $961,788.05 shown on the "Welcome Deep" dashboard slide.
• Recording ~106 min (6,366s); transcript 1,929 segments, full end-to-end coverage.
• Standing thresholds referenced back to the stability protocol (not newly stated this call): safety buffer 6 mo / 20% liquidity; PLEX max margin util ≤60%, IMR ≤30%, DSCR ≥2.0.
• Live reviews: Denise (Hawaii), Bryn, Rob, Jordan and others. Coaches: Jerry Zebrowski, Macarena Garcia.
• Slides PDF: PLEX-Portfolio-2026-07-15-Slides.pdf (16 pages) in the 07-15 folder.

Live portfolio workshop; full 106-minute transcript captured and synthesized.

2026-04-15 · PLEX Only Q&A

An open PLEX-Only Q&A call. Video-only (no handout). Transcript not yet captured.

• Format: open Q&A call for PLEX members (per the academy post title).
• Video-only — no handout, PDF, or slides were posted for this call.
• A full recording (~62 min) is available; see Call Materials.
• No written transcript exists for this call yet — questions/answers will be filled in after the recording is transcribed. Nothing below is invented.

Numbers (pending transcription)

• Recording length: ~62 min (3,707 s).
• No handout or numeric worksheet was provided for this call.
• Specific Q&A thresholds pending transcription of the recording.

Transcript not yet available. This page currently indexes the verified recording; the Q&A detail will be completed once the recording is transcribed. No content has been fabricated.

2026-02-18 · The Fynanc Core System

The Fynanc Core System — the core call recording plus "The Fynanc Core System" handout. Transcript not yet captured.

• Call topic (per the academy post title): The Fynanc Core System — the Fynanc framework the PLEX system is built on.
• Companion handout: a "The Fynanc Core System" PDF is provided with the call (download button below).
• A full recording (~44 min) is available; see Call Materials.
• No written transcript exists for this call yet — key topics/numbers will be filled in after the recording is transcribed. Nothing below is invented.

Numbers (pending transcription)

• Recording length: ~44 min (2,654 s).
• Handout: 1-page "The Fynanc Core System" PDF (image-only export — no extractable text).
• Detailed numbers pending transcription of the recording.

Transcript not yet available. This page currently indexes the verified materials (recording + handout); topics and numbers will be completed once the recording is transcribed. No content has been fabricated.

2026-01-21 · PLEX Only Q&A: Guardrails (Part 1 of 2)

Safety guardrails (required, never crossed) vs Posture guardrails (optional, upside) — threshold-heavy Q&A.

• Safety guardrails (REQUIRED, downside, never crossed) vs Posture guardrails (optional, upside, nested inside).
• 3 postures (defensive/neutral/performance); safety violation auto-shifts to defensive.
• Target (single point) vs guardrail (min/max range). Guardrails are STRATEGY-specific, not asset-specific.
• 3 levers by priority: Liquidity → Leverage → Portfolio. Guardrails roll up property→strategy→overall.

Numbers (threshold-heavy)

• DTA safety range ex 0–40%; Performance 30–40%, Neutral 25–35%, conservative 0–20%, defensive 0–10%. Target DSCR 2.0.
• Safety buffer min 6 months / 20% liquidity. Outside credit line ≥$30,000 available (total).
• Max portfolio DTA: 65% if mostly real estate, 40% if not. Min DSCR 1.5. Min annual asset growth 5% default → 10–15% recommended.
• Real estate: buffer 3 mo (→6), max DTA 80%, DSCR 1.25, value +4%/yr. Plex: liquidity 3 mo (→0 ok), max DTA 40%, DSCR ≥2.0, max util 60% (~50%), IMR ≤30% (≤35% avg).
• Child (10yo) conservative: DTA 30%, DSCR ≥2, util 30–40%, IMR ≤35%. Analyzer min score 6 (Jose 8.8). Max drawdown flag 15%. Reinvestment ≥20% (→~100% growth).

2025-12-19 · Get Your Capital Amplifier Ready for FLOW

FLOW = the "flow component" — keep capital circulating, grow the SPREAD. The 4-tier FLOW course + Golden Circle.

• FLOW = the "flow component" — keep capital circulating, grow the SPREAD (not budgeting/returns).
• FLOW course = 4 tiers (Awareness → Optimization → Automate → Mastery). "Golden Circle": capture income before bills.
• Prerequisites: finish Leverage Mgmt + actually DO Plex; Capital Amplifier set up; money-date rhythm; ready to automate.
• Automation via M1 (enter guardrails, broker moves money); Robinhood + IBKR also "friendly."

Numbers (enrollment call — sparse)

• FLOW course cost $2,997 (the one firm price). FLOW launch Jan 8, 2026. Recording+checklist ~1 business day.
• 4 tiers; 3 friendly brokerages (M1/Robinhood/IBKR); money-date monthly.
• Golden-circle: ~$50k/yr × 40 yr ≈ $2M lifetime flow.
• Illustrative contributions $1,500 / $5k / $10k / $20k. Ron pays 4 houses (1 personal + 3 income) through Flow.

2025-12-17 · Velocity of Wealth

Velocity = Spread × Capital (leverage) × Frequency — only 3 variables. Linear vs exponential; bend the line.

• Velocity = Spread × Capital (leverage) × Frequency — only 3 variables.
• Linear (reinvest principal) vs exponential (reinvest full profit) — "bend the line."
• Spread = living gap between asset cash flow and debt service; control both sides.
• Control > returns (higher return = more volatility = less control). 4 internal levers; 3 postures (defensive/neutral/performance).
• Multiplier velocity booster; dynamic (ETF/margin) vs static (real estate) spreads. Velocity Navigator tool (Jan 2026).

Numbers

• Base illustration $2-for-$3 monthly, 12×/yr, $1,000 capital → $500 profit/mo. Apartment spread ~1.5%; needs ~$5M leverage.
• Max margin utilization ≤60%; hold under 6. DTA targets 10% (on-ramp) / 25–30% / 40%. Multiplier 1.33 / 1.67.
• ($2k contribution + $10k cash flow) = $12k/mo → ×1.33 ≈ $192k/yr; ×1.67 ≈ $250k/yr. Members grew $1,500 → $10–20k/mo contributions.
• George's early losses $300k and $1.4M (why he's risk-averse); vacant property <3% rate, $5,000/mo cost. DSCR: RE ~1.3–1.4, margin ~2.0.

2025-11-19 · The Margin Advantage (Part 2)

The "driving the car" model — conditions, dashboard, guardrails, levers; shift debt to the cheapest source.

• Same margin framework, advanced: Max Margin Utilization governs; IMR + utilization the two watch metrics.
• "Driving the car" model: conditions (market) → dashboard (buffer) → guardrails (DSCR/DTA) → levers (margin actions).
• Shift debt to cheapest source; keep external funding line as permanent backup ("breadcrumb" balance).
• Multiplier / capital-growth engine; buy BORING stable ETFs; ties to Buy-Borrow-Die.

Numbers

• Max util 60% (50% uncertain); good maintenance 25/30/35%, bad 75/100%. 3-person ex lines $30k/$60k/$40k.
• Andy's run: $200k, yield 15%, rate 5%, margin $24k/$40k → DTA 48%, DSCR 25, DTA card 12%, IMR 20%, util 15%, borrow-up-to $72k.
• Rates: Schwab 12%→10%→9%, M1 ~4.8%, HELOC 7%, whole-life 5.53%. Multiplier 1.667/1.43 (~1.5); George's 1.3.
• Growth ex ~$396k/yr → ~$540k/yr. Yield-max fund ~36%/yr example. Buy-borrow-die ~25% cap-gains saved.

2025-10-15 · The Margin Advantage (Part 1)

Max Margin Utilization replaces DTA as the governing cap; maintenance requirement drives your margin line.

• Max Margin Utilization replaces DTA as the governing cap; DTA becomes an OUTPUT.
• Maintenance requirement is the #1 driver of your margin line size + drop-cushion.
• IMR (weighted portfolio maintenance) — want 20–30%. Margin Health Analyzer tool (6 color cards).
• Each broker names "maintenance requirement" differently (reference PDF built w/ Matt McFarland).
• The Margin Advantage = shift debt from expensive external line to cheaper margin (chase spread, keep external line open).
• Multiplier model: 1÷(1−DTA) grows your controllable base independent of ETF returns.

Numbers

• Max margin utilization 60% (50% in uncertain market); 40–60% "optimal" band. Good maintenance 25/30/35%; bad 75/100%. IMR target 20–30%.
• 3-person example ($100k assets, all target 40% DTA): lines $30k/$60k/$40k — bad-maintenance ones margin-called.
• Worked tool run: portfolio $200k → $100k margin → 60% cap $60k; DTA out 48% vs 12% actual, DSCR 25, IMR 20%, util 15%.
• Rates cited: M1 ~4.8%, Schwab 12%→10%→neg. 9%, HELOC 7% (prime), whole-life 5.53%. Multiplier: DTA40%=1.667, 30%=1.43.
• Growth ex: ($2k/mo + $20k/mo cash flow)×12×1.5 = ~$396k/yr base; scaled = ~$540k/yr. Buy-borrow-die saves ~25% cap-gains.

This transcript is actually Part 2 of the series.

2025-08-20 · Capital Amplifier System V2.0

The "operating system of wealth building" — 6 components (Capital, Growth, Portfolio, Flow, Liquidity, Control).

• The "operating system of wealth building" — one structure all strategies fit into.
• 6 components: Capital, Growth, Portfolio, Flow, Liquidity, Control. (V2.0: old "Router" → "Flow" component.)
• ELCO feeds Capital (Earned, Leverage, 4 C's, Other). The 4 C's = Cash flow, Capital gains, Cash, Collateral.
• Strategy vs Asset distinction (Fynanc software models strategies, not just assets).

Numbers (mostly illustrative)

• 6 components; 4 C's. Example capital $100k split $40k/$60k.
• Spread example 8% earn − 6% borrow = 2%. 80% debt on rentals example.
• Kahoot 16 questions; ~50–58 on the call. Q&A cadence: 3rd Wed, 4:00pm PT, bi-monthly.

2025-06-25 · Fynanc Toolbox

The Toolbox hub — Smart Credit Line, Portfolio Analyzer, PLEX Journey Planner and the Bedrock research sheet.

• The Toolbox hub (login w/ academy email); tools tiered to your journey; Zendesk support; all beta.
• Bedrock research spreadsheet (community-built list of qualifying debt-based funds + metrics).
• Smart Credit Line tool (borrow / repay / rebalance; surfaces EFFECTIVE interest rate; syncs Family Bank).
• Portfolio Analyzer (scores your portfolio through the "PLEX lens", suggests improved mix from community-cached funds).
• PLEX Journey Planner + Funding Line Estimator (auto one-page plan from goal/interest/DTA/DSCR/buffer).

Numbers

• Target S&P correlation ≤0.04; std-dev preferably <10 (single digits); target yield ≥8%; maintenance req ≤30% (25% common good).
• Planner defaults: goal $150,000/yr, max interest 9%, max DTA 40% (45–50% early), min DSCR 2.0 (3.0 better), buffer 6–12 mo.
• Analyzer demo score 5.1 → 6.2 (target 6.5–7+). Yield tiers: 35–50% "going fast" (erosion) → 8–15% fully sustainable.
• Margin caution: keep <10% of value until trained; for 40% debt split ~20% inside / 20% outside line. 30-day community cache.

2025-04-16 · Bedrock: Debt-Based Candidates

The bedrock asset class — debt-based funds where YOU are the lender (BDCs, CLOs, senior loans, CEFs).

• Portfolio = Bedrock (stable, ~65%) + Cash-flow holdings (volatile) + optional hedge; stability matters because you grow with debt.
• Bedrock asset class = debt-based funds where YOU are the lender: BDCs, CLOs, senior loans, CEFs ("same thing, different packaging").
• CLO tranche structure (AAA/BBB/equity) — priority of payment; check ratings, don't over-weight junk.
• "True income" (senior loans/rent/interest — no NAV erosion) vs "dividends" (profit-sharing that lowers price).
• Screen holdings by standard deviation, Morningstar rating (3–5★), distribution rate, S&P correlation, per-broker maintenance requirement.
• Homework: read The Income Factory (Bavaria) Ch.12–13; research 2–3 tickers into the community sheet.

Numbers

• 65% (60–65%) bedrock target; example levers 60/40 → 75/25.
• ≥100 underlying loans (diversification floor). ≤30% maintenance requirement (borrowable).
• Std-dev benchmarks: real estate ~5–6%, S&P ~20%; stable fund 1.82% vs volatile 21%.
• JAAA yield ~6.14%; JBBB ~7.6–7.96%; BDCs ~14–15%. PLEX target return 16%.
• Example withdrawal $7,000/mo; cash-flow scenario $20,000/mo.

How every rule evolved

Target yields & category rules (verbatim from the corpus)

Source: data/plex-flow/academy-ticker-framework.json (as of 2026-07-18). Where the Academy does not state a value the row reads not specified in source — it is not invented.

Knowledge-base coverage

160 lesson/session records are indexed in the KB (data/academy-ingest/fynanc/fynanc-ras-complete.json). The 25 largest are shown; the full set is searchable in the KB.