Invest like an owner,
not a trader.

Long-term investors are stuck with the wrong tools. CompoundWise was built to fix that.

• Robo-advisors are a black box — you hand over control and pay 0.4–0.7% a year.
• Traditional advisors often have an incentive to keep your money moving, and cost 1–2% a year.
• Free screeners lean on price-heavy scores and fantasy “target prices,” with zero Canadian-tax awareness.

CompoundWise does the whole job in one place, and it splits into four jobs you can actually feel:

How we’re different

Nothing needs to be configured to explore — every screen works from the moment you sign in. It just gets personal once your holdings are in.

1. Log in and look around. The left sidebar holds every page. Faster still: press ⌘K (or Ctrl+K) to open the command palette and jump anywhere — type “tax”, “sector”, or a ticker.
2. Get your holdings in — pick ONE of these. Connect Questrade (Portfolio page → Questrade button) — a read-only connection that can see your accounts but can never place an order or move money. Or connect another broker via SnapTrade (Settings → Accounts & Data), if enabled on your account. Or import a file (Portfolio → Import) — a CSV/Excel export from your broker. Or simply type transactions in (Portfolio → Add transaction) if you hold just a handful of positions.
3. Tell the app who you are (Settings → Profile): your province and income band (the tax math uses the combined marginal rate for your province and income band, taken at the band’s midpoint), your birth year and target retirement age (unlocks the Retirement planner), and your annual contribution (makes goal math realistic). Two minutes, big payoff — every recommendation is tuned to this profile.
4. Take the tours. The first time you open Today, the Advisor, or the Tax Centre, a short welcome box explains the screen. Read it, press Got it, and it never bothers you again.
5. Learn the currency toggle. The CAD/USD switch at the top changes what currency amounts are displayed in. It never changes your stored records — your cost base stays in the currency you actually paid.

Answers, in under ten seconds, the only two questions that matter daily: “Is my money okay?” and “Is there anything I should actually do?”

The health ring — your portfolio’s pulse

• Calm green, slow breathing — nothing needs you. Enjoy your day.
• Amber, gentle pulse — a few things are worth reviewing.
• The number inside is exactly how many decision cards sit below. No hidden backlog: if more exist than fit, it says “+N more waiting.”

The market pulse — the weather, made personal

Right under the health ring sits the day’s market read, in two layers:

• The tape — small chips for the S&P 500, Nasdaq and TSX (green up, red down), the CAD/USD rate with an arrow if the loonie is moving, the VIX with a plain word for it (“calm” or “jumpy” — the VIX is the market’s fear gauge), and the Bank of Canada rate.
• “For your portfolio” — the part no generic news feed gives you. Up to three sentences that cross today’s market with your actual holdings, each derived from a transparent rule using your own numbers. For example: “Markets are jumpy (VIX 28). Your portfolio moves about 0.9× the market, so a 1% market day swings roughly ±$1,347 of your value. That’s noise, not information — unless a business itself changed.”
• If a stock you own is in today’s news, it’s flagged by name with a one-line why and a link to its page. A Big picture line tells you where the market cycle sits (e.g. “Late Cycle / Caution”) and which way conditions are trending.

Decision cards — one decision each, fully self-contained

• A coloured verb — SELL (red), TRIM (amber), ADD (green), RELOCATE (cyan, for tax moves) — plus the ticker and account it applies to, and the source it came from (e.g. “Rule engine” or “AI Tax & Structure Audit”).
• One plain-language sentence of why — e.g. “Debt/Equity of 3.5× combined with Deep Score 32 indicates balance sheet stress.”
• An Act button that jumps straight into the right next step — a pre-filled trade form, the Tax Centre, or the Rebalance tool. You never hunt for where to do the thing.

Where do the cards come from? Five sources feed one list: the 27-rule signal engine (checks every holding against fundamentals and policy — the only source of buy, sell, trim and add cards), the AI Tax & Structure Audit (structural moves only — migrate, consolidate, harvest — labelled as the audit’s), your goals (if one falls behind), your concentration limit (if one stock passes the single-stock limit you declared, else the 25% house limit), and your Investment Policy (if your mix drifts outside its band). Duplicates are merged — if one rule fires on five holdings at once (say, “too much USD”), you get one card naming all five. Decisions, not an echo.

1. Dismiss = snooze, not mute. The little × hides a card for 30 days. If the problem still exists after that, the card comes back — you can’t accidentally silence a real issue forever.
2. Cards clear themselves. Make the suggested trade (or any matching trade) and the card checks itself off — the app watches your transactions.
3. Nothing is ever executed for you. Every “Act” lands on a review screen where you confirm.

Coming up & Working well

Below the decisions: real dates for your holdings (earnings reports and dividend ex-dates for the next 14 days — click one to jump to that stock’s page), plus money nudges (idle cash, unused TFSA/RRSP room). And on a good day, Working well tells you what’s right — a calm day never looks like a broken screen.

The numbers dashboard. Today answers “what should I do?”; Overview answers “where do I stand?”

Top to bottom:

• Invested assets — your holdings plus account cash, with total gain. It’s deliberately not called “net worth” — that word is earned one section down.
• Holdings vs cash strip — tap it to see your value split by account.
• Your top-3 decisions — a compact version of Today, so the most important actions greet you at login. See all → opens the full brief.
• KPI tiles — number of holdings, idle cash, portfolio beta (how bumpy your ride is vs the market: 1.0 = same as the market, lower = steadier), USD exposure, and your best & worst performer.
• Sector allocation & top positions — where your money is concentrated, at a glance.
• Goal progress and quick links to the rest of the app.

Your investments aren’t your whole financial life. Your house, your mortgage, savings at another bank, a pension — they all belong in one honest number.

How to use it

1. On the Overview, find the strip under the big number (“See your true net worth…”).
2. Tap it and add items: choose a type (Real estate, Mortgage, Cash elsewhere, GIC, Pension, Loan…), give it a name and a value in CAD.
3. That’s it — the strip now shows the full equation, updated as your investments move.

Three design choices that protect you

• You never enter minus signs. You pick the type — “Mortgage” automatically subtracts. A typo can’t flip your net worth.
• These entries never touch your investing analytics. Your stock scores, signals and performance are unaffected — with two helpful exceptions: cash and GIC entries do count in your asset mix, because they’re genuinely investable money.
• It’s private to you — household members don’t see each other’s manual entries.

Hunting. Roughly 2,000 US and Canadian stocks, each given a Deep Score out of 100, refreshed nightly.

What the Deep Score means (in plain words)

The score measures business quality, deliberately ignoring the share price:

• Profitability (30 pts) — does the company make good money on the money it uses?
• Growth (25 pts) — are sales and profits actually growing, year after year?
• Financial strength (20 pts) — could it survive a bad recession without begging for cash?
• Valuation (15 pts) — is the price at least sensible relative to earnings and cash?
• Moat (10 pts) — signs of a durable advantage competitors can’t easily copy.

85+ is exceptional and rare. The label describes business quality — it is a research verdict, not a trade instruction.

How to use the screener well

1. Start with the map. The magic corner is top-left: high quality at a low price — the app calls these compounders and lists the best six under the chart. Click any bubble to open that company.
2. Filter down — by market (US/Canada), sector, or with Advanced Filters (e.g. “ROE above 15% AND debt below 0.5”).
3. Keep “Hide multi-year decliners” ON (it’s on by default). A stock can score well on fundamentals while its price has fallen for three straight years — that pattern is called a value trap, and this switch keeps them out of sight.
4. Customize your columns (⚙ Columns) — 40+ metrics available; your layout is remembered.
5. Click any row to open the full stock page.

A forward-looking companion to the Deep Score. The Screener rewards businesses that are already great; this pane hunts for the ones just starting to accelerate — before the trailing numbers catch up.

Why a second lens

The Deep Score grades proven quality — high returns, steady growth, a fortress balance sheet. By design it is a rear-view mirror: a company only earns a high score after years of good results, so the numbers that made the last decade’s big winners look ordinary — or expensive — early on. The Inflection Score looks the other way, at the rate of change. It asks a different question: is this business getting better, faster, right now?

Which tool, when — the three research lenses in one table

Three pages look at the same universe and three of them can sound alike. Each answers a different question, and each was tested differently. Here is the whole picture in plain words:

The eleven signals of an inflection

Each is measured as a trend — recent versus earlier — not as a level. Six carry weight and five are shown as facts:

Each weighted signal is the company’s percentile against its sector peers that night — a 20% margin gain means something different in software and in utilities — and the weights are what history showed: on every US company’s filings from 2009 to 2022, each signal’s rank correlation with the return over the next three years, scaled to add to 100.

• Share dilution (28) — whether growth is funded by issuing new stock. The strongest signal in the test: buybacks and flat share counts rank high, dilution ranks low, and heavy sustained dilution caps the label at Building.
• Margin expansion (23) — gross and net margins widening as the business scales.
• Operating leverage (14) — profits climbing faster than sales, the sign a model is starting to pay off.
• Improving returns (13) — return on invested capital trending up, not merely already high.
• Earnings surprise (12) — the latest quarter’s earnings against the same quarter a year ago, scaled by how much that change usually varies, read from the company’s own quarterly filings. The best-supported “change” signal in the research literature.
• Cash-flow inflection (10) — the free-cash-flow margin trend: real cash backing the growth, not just accounting profit.
• Shown, no weight — growth acceleration (it did not separate winners from losers on the test, and the names with the most of it did worst), insider buying (companies whose insiders were net buyers went on to lose), and the three that cannot be tested point in time: early price breakout, forward growth and estimate revisions. You still see each one on the stock page as a fact.
• Tested and left out (29 Sep 2026) — eight “stability” signals from the accounting research (steady quarterly earnings, steady sales growth, profitability, cash-flow profitability, cash flow above profit, and spending on research, equipment and advertising) were added to the score on the same historical test with the pass mark set in advance. They made the score look stronger on average but far less consistent from one period to the next, so it failed the certification rule — and most of what they added was what the Winners list already measures. Emerging Compounders stays a “what is changing” tool; Winners stays the “what is proven” tool.
• Insider buying, given its best chance (29 Sep 2026) — researchers have shown that most insider trades are routine (the same person, the same month, every year) and only the unusual ones carry information. We applied their filter to every officer and director filing. It helped — but companies whose insiders were net buyers still did worse over three years than companies whose insiders were net sellers. So insider buying stays a fact you can see and look into, never a point in the score.

Because every factor is a trend, a mature giant with high-but-flat numbers scores low here even when its Deep Score is excellent. That gap is the whole point — the two lenses are meant to disagree. The weighted percentile is re-based so that each band keeps the share of the universe it had on 2026-09-28: “Emerging” still means roughly the top 5% of names, not a larger group with the same label.

How to use it

1. Start from the Winner tier column. The list is ordered Winner tier first, then by inflection score, because the test showed the names on both lists were the best group and the names outside the Winner top tier did no better than average. A Strong candidate that is also accelerating is the strongest signal this page can give.
2. Read it next to the Deep Score, never instead of it. The table shows both. A high inflection with a modest Deep Score is a young business worth researching; high on both is rarer and stronger.
3. Filter by market, sector, minimum score and confidence to narrow the list to what you want to study.
4. Watch the confidence chip. A company with less financial history (many non-US names) scores fewer of the six factors; the chip tells you how much data stood behind the number.
5. Open any name to see its factor radar and revenue-acceleration curve on the stock page.

A ranked list of the companies whose financial statements look most like those of businesses that kept growing profitably for years — and least like those that failed. The Screener grades quality today; Emerging catches businesses accelerating; Winners asks a third question — measured against the whole universe, which names have the makings of a company you can hold for a long time without it blowing up?

What Winners looks for

It scores each company on the traits that showed up again and again in businesses that compounded for a long time — a blend of quality and durable growth, each measured against the company’s own peers and then ranked against every other name:

• Core quality — return on invested capital (how much profit the business earns on the money tied up in it), gross profitability (how much is left after the direct cost of what it sells), the Piotroski health score (nine yes/no checks on the accounts), and margin durability (does the profit margin hold up year after year).
• Core growth — the Rule of 40 (revenue growth plus profit margin, a way of rewarding growth that is paid for).
• Shown but not counted — growth acceleration and accounting accruals are displayed for you, but carry no weight in the rank, because on the historical test they did not help.

A company that has no borrowing at all files no debt line, so CompoundWise reads its long-term debt as zero rather than unknown. Until 2026-09-28 two debt labels — convertible notes payable and unsecured long-term debt — were missing from the list that tells “no debt” apart from “debt under a label we do not read”, so a handful of companies with large convertible-note balances (ServiceNow and Zscaler among them) were read as debt-free. They now show as unknown on that one check instead. Fixing the same gap in our historical test data lowered the headline test figures slightly; the rank still passes every test (numbers below and in the Methodology).

What the tiers meant in the past, in plain numbers

Before trusting a rank, we tested it the hard way: every US company that filed an annual report between 2009 and 2022 — about 14,000 companies, including the ones that later went bankrupt or were delisted — was scored using only what it had filed at the time, and then we looked at what happened to its shares over the following five years.

That is the strength of the tool: it separates the businesses that keep compounding from the ones that fail, by a wide margin, and it does so from the accounts alone. At three years the picture is the same: top quartile +31% with 4 in 100 wiped out, bottom quartile −36% with 36 in 100 wiped out.

What it cannot do — find the next ten-bagger

We also tested, carefully and more than once, whether Winners — or anything else in a company’s filings, its quarterly reports, or its insiders’ share purchases — could pick out in advance the stocks that go on to rise fourfold or more in five years. It cannot. Names in the top tier became four-baggers about as often as any other name (roughly 7 in 100). The features that make a stock multiply are decided after the filing — a product cycle, a new market, a re-rating — and no set of accounts shows them ahead of time.

NVIDIA is the clean example. From its 2012 annual report onward it sat in the Strong candidate or Watch tier every year, because it was a well-run, growing, debt-free business — and it went on to multiply many times over. But so did about 1,400 other top-tier names sit in the same tier over those years, and most of them simply compounded steadily. The tool saw NVIDIA’s quality at the time. It could not see the size of the run, and nothing in the data could.

Tiers, not a number out of 100

Each name lands in a tier by its percentile against the universe:

Two hard gates override the tier no matter how good the factors look: a company in financial distress (a weak Altman-Z score) is capped at Unlikely, and a cyclical name at a likely earnings peak is capped at Watch — so a flattering number at the top of a cycle can’t masquerade as a compounder. When no Altman-Z can be computed for an operating company because a balance-sheet input is missing, the gate cannot judge it: the tier stands on the factors alone and a solvency not assessed badge says so, rather than letting the name look as though it passed.

A rank — never a probability

This is the most important thing to understand about Winners. The engine ranks names and sorts them into tiers; it does not print a “68% chance of winning.” The test above confirmed the ordering is real, on years the model had never seen. But when we tried to turn the rank into a percentage chance of a big gain, the percentage had no skill at all — because big gains happen at about the same rate all the way down the list. So the model is flagged CALIBRATED=False and never prints a percentage — a made-up number would be worse than an honest rank. The full logic, every test and every number is in the Methodology.

Everything you need to decide about ONE company — organized so a beginner isn’t buried, and an expert misses nothing.

Essentials view — four questions, answered top to bottom

1. What is it? Name, sector, price, and the verdict badge (Strong Buy / Buy / Hold / Marginal / Avoid — the model’s read, not an instruction).
2. Is it good? The Deep Score with its full breakdown, and a quality radar showing where the company is strong or weak.
3. Is it cheap? The fair value — what 14 different valuation models collectively estimate the business is worth per share — and the price-vs-fair-value thermometer. If the fair value isn’t trustworthy for this company, the app says “no reliable estimate” instead of showing a shaky number — and says why. The fair value is re-worked every time the price refreshes, so it always matches the price you are looking at; for a few companies that means it can appear or disappear during the day as the price moves.
4. What do I do? Decision tools — the suggested position size, a 5–10 year decision checklist, and your own quality checklist to make the call deliberately. A company the framework cannot measure — a pre-revenue biotech, a pre-production miner, a fresh listing — shows no Deep Score and no checklist, rather than a middling score built on the half of it we cannot see.

Full analysis — one click away

The full view adds: company profile & news, the complete valuation workbench (an interactive DCF you can play with — change the growth or discount assumptions and watch the fair value move), growth and analyst forecasts, ten years of financial history, balance-sheet health, dividends, and insider/institutional ownership.

Reading the price banner

A yellow banner saying “Price −40% over 3 yrs, still near its 3-year low” is the value-trap warning: the fundamentals may look fine, but the market has been disagreeing for years — confirm the story before buying. A green banner means the price trend agrees with the quality.

The question every tool ignores. Finding a good stock is half the job — the other half is how much of your portfolio it deserves.

The rule, in plain words (no AI, no black box)

1. Quality sets the tier. Deep Score 85+ → high conviction (suggested 8–12% of your portfolio). 70–84 → solid (4–8%). 55–69 → moderate (2–4%). 40–54 → starter (0–2%). Below 40 → avoid (0%).
2. A genuine bargain earns one step up — but only one. If the stock trades 25%+ below a fair value the models are confident about, the tier rises one notch. If the fair value is shaky, it moves nothing — an untrusted number should never size a position.
3. Paying above fair value steps you down one.
4. A weak business never gets promoted for being cheap. A 60% “discount” on a bad company is the value-trap signature, not an opportunity.

Nothing caps above 12% — well inside the 25% house single-stock limit. (Declare your own limit in your profile and that is the one the app polices instead.) On a holding you already own, the same card compares the band to your actual weight: within the band / room to add / above the band.

You’ve narrowed it to two or three candidates. Put them side by side.

Type up to three tickers and press Compare: a full metrics table (best highlighted in each row), a normalised return race over five years, a ranked verdict, and each stock’s bear/base/bull price range. Click through to any stock page from here.

The source of truth. Every other screen builds on what’s recorded here.

The pieces

• Account tabs — All, TFSA, RRSP, Margin, etc. Each shows its own value, gain, and stats.
• Account details card — a Questrade-style summary for the selected account (or all combined): cash on hand, market value, total equity, your P&L broken into open / closed / today / total, net deposits, buying power, and a ✓ matches Questrade / ⚠ drifts vs broker badge. The same card appears on the iOS Holdings screen, driven by the same server numbers. A figure shows “—” when it genuinely isn’t known rather than guessing.
• The holdings table — every position with live price, value, gain, weight, Deep Score, and a signal badge (ADD/TRIM/SELL/HOLD from the rule engine). Click any row for that holding’s own page — price chart, quality radar, sizing verdict, and your conviction log.
• The growth chart — your actual value over time, rebuilt from your transactions and historical prices. Toggle between total value and profit.
• Transactions — the ledger. Every buy, sell and dividend, editable. This is what drives your tax math.

Recording a trade properly

Press Add transaction: ticker, buy/sell, shares, price, account, date, and optional commission. Two things then happen automatically:

• Your ACB (cost base) updates the way the CRA requires — including the tricky cases like selling part of a position, or the superficial loss rule (sell at a loss and rebuy within 30 days → the CRA denies the loss; the app flags it so you’re not surprised at tax time).
• Any Today card or AI recommendation that suggested this trade checks itself off.

The question most tools hide from, answered three ways on the Portfolio page.

The three numbers, in plain words

• Your return — what your actual dollars earned, counting when you invested them. (The technical name is money-weighted return. It’s the number that matches how your account feels.)
• The twin — the killer feature. The app replays every buy and sell you ever made, dollar for dollar, on the same dates — into a boring index fund instead (XEQT, or SPY via the toggle). The twin had your exact timing and zero stock-picking. The gap — your holdings today, plus your dividends counted as if reinvested in the index the day you got them, minus the twin today — measures how far ahead or behind the index you are, not your skill: over a short history, most of a gap is luck. “You’re ahead by $12,400” or “behind by $18,046” — either way, now you know.
• The skill curve — the chart strips out deposit timing entirely and plots what your holdings did against the index, both starting at 100 — a difference, not a measure of skill. (Technical name: time-weighted return.)

Why you can trust it

The small print on the panel isn’t decoration: holdings only, total-return on both sides — dividends reinvested the same way for both, so the comparison stays fair — and every formula is locked by automated tests against hand-computed answers. If the app can’t compute it honestly — say, you have under a month of history — it says “not enough history” instead of guessing. Under a year, nothing is annualised: you see the cumulative return for the period. A benchmark that launched after your book began (XEQT, August 2019) is not compared at all, and SPY is drawn in Canadian dollars, like your book.

The decision above stock picking: how much of your investable money is in stocks vs bonds/GICs vs cash — and what you want it to be.

How it works

1. The app classifies your investable money — every holding (funds are sorted into equity vs fixed income by their category), your idle account cash, plus any cash/GIC entries from Net Worth. Your house and pension stay out — you can’t rebalance a house.
2. You set a target mix (say 80% equity / 15% fixed income / 5% cash) and a drift band (±5 points by default). This pair is your Investment Policy — the same discipline professional advisors write down for clients.
3. A breach you have already seen asks about the policy. If the book was outside your policy in an earlier report too and you have not changed the policy since, the report asks whether the trade is owed or the policy no longer fits. A policy last saved over a year ago is also flagged for review.
4. Your cash reserve is not part of the mix. If you've entered a cash reserve in your profile (Liquidity & Safety), that amount is taken out of cash before the percentages are worked out, and the panel says how much was left out.
5. Drift outside the band → a red DRIFT tag, and a single card appears on Today.

Most people don’t know whether they’re “80/15/5” material. Five questions produce a starting point. Find it on the Portfolio page, under the Asset mix panel: “Not sure? Take the 5-question quiz.”

The five questions

When you’ll need the money · what you’d actually do in a 30% crash · how stable your income is · whether you’ve lived through a crash · what this money’s job is.

The two safety rules built in (this is the important part)

1. Your timeline overrules your bravery. Answer every question like a daredevil, but if you need the money within 3 years, the suggestion caps at Conservative (45/50/5). Money needed soon can’t ride out a long bear market — no appetite changes that arithmetic.
2. The crash answer overrules everything above Balanced. If you’d sell everything in a panic, the suggestion caps at Balanced (60/35/5) — because the mix you can actually hold through a crash beats the mix that looked best on paper. Selling at the bottom does more damage than any allocation can repair.

Every applied cap is named in the result (“Capped at conservative — money needed within 3 years…”). And nothing changes until you press Apply to my policy — the quiz suggests, you decide. Retake it whenever life changes.

Two planning instruments: reshape the portfolio on paper before you touch real money, and rehearse a crash before one happens.

• Rebalance (its own page) — drag holdings’ weights around and watch quality, concentration and upside recalculate live; or set targets and let it propose the exact trades — each with its tax cost shown, preferring moves that trigger the least tax (idle cash and new contributions first). Nothing executes; it’s a planning table.
• Stress test (button on the Portfolio page) — “what if the market fell 10/20/30/50%?” What your invested holdings would lose in dollars (beta-weighted, so defensive holdings cushion the fall; cash is not shocked), and what it does to your goals. A holding with no beta on file is left out of the shock and named with its value — never given one — and the portfolio’s value after the fall is then not stated; a CIBC CDR (e.g. NVDA.TO) uses its US company’s beta. With no betas at all, nothing can be modelled, so the table states neither a loss nor a value after, and says so.

A sector pie tells you what you own; the Risk X-Ray tells you how much of it is really the same bet. It reads the daily price history of your actual holdings to reveal the risk a weight list hides.

What it shows

• Effective bets — your name count versus how many genuinely independent positions they amount to, from the correlation of their daily returns in Canadian dollars.
• A map of where your money clumps — your holdings drawn as bubbles, grouped by sector; big same-colour clumps show your money leaning the same way (the detailed correlation grid is one click away).
• Factor tilts — whether your book leans to momentum, value, size or quality; a shared style wins and loses together.
• Realized volatility & Sharpe — how much your book actually swings per year in Canadian dollars (a US holding’s currency move is part of the swing), and the return you earn for that ride — real statistics, not just beta.
• Maximum drawdown — the worst peak-to-trough fall in your holdings’ prices, with deposits, withdrawals and trades taken out — so moving money to cash isn’t a drop and buying through a fall doesn’t hide one — and whether it has recovered.

Not just a read-out — simulate it

Drag a slider to trim a holding and your diversification ratio and volatility recompute instantly. Send the freed weight to cash (lowers volatility, but your remaining bets stay just as linked) or pro-rata into your other names (what actually improves diversification). The X-Ray also points out your biggest lever — the single trim that would help most. When you like the result, Take this to Rebalance hands the target to the Rebalance tool, which builds the tax-aware trade list and executes it.

One place for everything the AI does — instead of five scattered buttons.

The layout

• One budget meter (top) — every AI action costs real money (cents); this shows exactly what’s been spent this month. No silent billing, ever.
• The advisor’s desk (three cards) — the latest Strategy review (a full portfolio health report with grade), the latest Tax & Structure audit (grade + date), and Sector theses. Each card shows its status and links to the full report.
• The chat (centre) — ask anything about your own portfolio in plain language.

What makes this chat different from ChatGPT

It is grounded: the AI can only read numbers the app has already computed — your holdings, scores, fair values, tax figures, goals. It cannot invent a price, browse the web, or see anyone else’s data. Ask “am I too concentrated?” and the answer cites your actual weights.

Trade drafts

If the chat suggests a trade, it appears as a proposal card — nothing is recorded until you press Review & Confirm and approve it in the standard trade form, same as a hand-entered trade.

The Strategy review

A generated report (~20¢ — you confirm the cost first) that grades your whole portfolio A–F, reads the macro environment, ranks your priority actions with timing (“act now” vs “next quarter”), and simulates what your portfolio looks like after the top three moves. It’s saved forever — regenerate only when things change.

Getting genuinely good at ONE industry — because a software company and a pipeline play by completely different rules.

Where to find it: Sector Lab lives under the Advisor — open it from the Advisor’s Sector theses desk card, or press ⌘K and type “sector”. It keeps its own room because it’s the one AI surface allowed to research the live web — clearly separated from the grounded portfolio chat.

Pick a sector and you get: a scorecard (how many companies tracked, the sector’s median valuation and quality numbers, its current macro tailwind or headwind), the top quality names in that sector, and — if you generate one — a full sector thesis: a cited, structured briefing that fuses live web research with your own holdings. Every outside claim carries its source.

Canadian investors lose more to tax mistakes than to bad stock picks. This screen exists so you don’t.

What it watches, in plain words

• Capital gains — your realized gains this year and which losing positions could be sold to offset them (tax-loss harvesting), with the superficial-loss 30-day trap flagged.
• If every account is registered — with nothing held in a taxable account and no sales from one on record, the capital-gains, tax-loss-harvest and T1135 panels give way to one sentence explaining they only apply to non-registered accounts.
• Asset location — which account a holding sits in matters. Example: US dividend stocks in a TFSA silently lose 15% of every dividend to US withholding tax; the same stock in an RRSP loses nothing (a Canada–US treaty exempts RRSPs). Every holding gets a placement score out of 100 with a plain note like “better in your RRSP — saves the withholding.”
• T1135 — own more than $100,000 (cost) of foreign investments in taxable accounts and the CRA requires a form, with real penalties for forgetting. The app tracks your total and warns you before you cross.
• Contribution room — your TFSA/RRSP/FHSA room (from Settings), with nudges when room sits unused.
• Year-end summary — exportable figures that feed straight into your tax return.

The Tax & Structure Audit

The Generate audit button (~5¢, confirmed first) has the AI review your whole structure and produce a graded report with a to-do list — move this, harvest that, consolidate these. Each item is a checkbox that checks itself off automatically when the app detects you made the matching trade. The report’s cover shows the risk tolerance and time horizon you declared, or “Not on file”; a harvest saving is priced only on a loss the superficial-loss rule would let a sale today keep (a blocked loss is listed as blocked); and the T1135 status names its tax year. Only the audit’s structural moves — migrate, consolidate, harvest — reach Today, labelled as the audit’s.

A number without a purpose is just a number.

Add a goal — a name (“$1M by 2031”, “House down-payment”), a target amount, a year. The app shows your progress bar, years remaining, and the return you’d need to get there. If you’ve set your annual contribution in your profile, it does the honest version of that math: contributions do most of the work, so the required return on top is usually much lower than the scary raw number. On-track goals show green; a goal that has fallen behind quietly becomes a card on Today.

The biggest question in personal finance, answered with real Canadian rules. Lives at the bottom of the Goals page.

Setting it up (5 minutes)

1. Settings → Profile: birth year and target retirement age (the planner won’t guess your age).
2. On the panel, press Set up your plan and enter your annual spending target in retirement (today’s dollars — what would you actually live on per year?).
3. Enter your CPP and OAS estimates at 65 — get the real numbers from your My Service Canada Account in two minutes. The app deliberately refuses to assume “maximum benefits,” because almost nobody gets the maximum.
4. Choose when you plan to start CPP (60–70) and OAS (65–70), and a real return assumption (default 3%/year above inflation — conservative on purpose).

What comes back, card by card

• Sustainable spend — the level, inflation-adjusted amount your investable money can pay you every year until age 95, landing at exactly zero if returns match your assumed real return every single year. That makes it the middle case, not a safe figure: when returns vary, spending at that level runs out early in roughly half of the simulated lifetimes. This is your number from your balances — not the generic “4% rule.” (RESP money is excluded; it already has a job.)
• CPP / OAS at your chosen ages — with the official adjustments: starting CPP at 60 cuts it 36%; waiting to 70 raises it 42% (OAS: up to +36% at 70). The breakeven age tells you when waiting pays off in total dollars — e.g. defer CPP to 70 and the bigger cheques overtake around age 82. Live past that, deferring won.
• Total vs your target — surplus or shortfall, in plain dollars. Shown only once both your CPP and OAS estimates are entered. An estimate you have not entered is unknown, not zero, so until then the card shows what your portfolio supports on its own beside your target, and names the estimate it is waiting for.
• Odds your plan lasts to 95 — instead of assuming markets return the same thing every year, the app replays your retirement through 1,000 simulated market lifetimes, starting from the pot projected at your retirement (the same one the sustainable spend uses), and reports how often the money survives. 90%+ is robust; below ~70% the plan is leaning on luck. With a spending target set, the panel adds the sustainable spend’s own odds and the spend that lasts in 90% of simulations. It also shows your ending balance in tough (p10), median, and kind (p90) markets — and because the same inputs always produce the same odds, the number won’t flicker every time you refresh.
• Bridge years — retire at 60 with CPP at 70 and your portfolio carries everything for the gap. Those are the years a market crash hurts most (the technical name is sequence-of-returns risk), and the panel calls them out explicitly.

Two Canadian traps, checked automatically

• OAS clawback — above ~$95,000 of retirement income (2026 threshold), the government takes back 15¢ of OAS per extra dollar. The panel shows if your plan crosses the line.
• Forced RRIF income — the year after you turn 71, the CRA forces you to withdraw a rising percentage of your RRIF (starting at 5.28%), fully taxed, whether you need it or not. If your RRSP is big enough that this forced income would trigger the clawback, the panel warns you decades in advance — while you can still fix it by drawing the RRSP down earlier in low-tax years.

Drawdown order — the panel also suggests which account to spend from first and why: taxable first (only the gain is taxed), RRSP steadily through the middle (fill the low tax brackets, shrink the future forced withdrawals), TFSA last (tax-free growth, and TFSA withdrawals never count toward the clawback — your pressure valve).

Patience, automated — and a smoke alarm for the businesses you own. Found under Tools and Settings → Alerts; all delivered via Telegram (connect once).

• Watchlist price alerts — “tell me if AAPL hits $150.” You stop checking; it watches for you.
• Thesis guards — the underrated one: set fundamental tripwires per stock (“alert me if the score drops below 60 or debt/equity rises above 1.0”). Breached on two consecutive nightly scans → alert. This catches a business deteriorating before the price fully reflects it — and the two-scan rule filters out one-night data glitches.
• Earnings heads-up — automatic: the evening before any holding reports, you get a note. Expect volatility; review your thesis, not the ticker tape.
• Fair-value crossings & discovery digest — when prices cross fair-value bands, and when new names enter the quality universe.

Open Settings from the sidebar. The categories you’ll actually use:

• Profile — province, income band, birth year, retirement age, contributions, contribution room. This feeds the tax and retirement math — fill it in first.
• Accounts & Data — broker connections (read-only, revocable anytime), file imports, account management.
• Preferences — CAD/USD display, theme, notifications.
• Household — invite your spouse by consent (they accept from their own login). You each keep your own login and private data; a Household / You / Partner toggle shows combined or individual views. Tax, Goals, Strategy and Retirement always stay individual — as they should.
• Security — password, two-factor authentication, active sessions.

Your plan. CompoundWise comes in four plans, and what you see in the sidebar depends on yours.

• Basic — your portfolio, accounts and transactions, broker sync, Goals, alerts, the Tax Centre, the Screener, Compare, and the full stock and ETF pages. Everything you need to know what you own and what it will cost you in tax.
• Standard — adds Rebalance, Risk X-Ray concentration, Retirement, and three AI tools: the Tax Audit, Earnings Recaps and the Intelligence chat.
• Pro — adds Emerging Compounders, Winners, the Tools page, Household, the Advisor, Strategy, printable reports, stress testing, and reading Sector Lab.
• Premium — adds generating a full Sector Lab report, and everything shipped later.

Knowing a tool’s edges is part of trusting it.

• It never trades for you. Every broker connection is read-only. Every suggested trade lands on a confirmation screen.
• The AI never invents numbers. It reads values the app computed; if data is missing, you see “no reliable estimate,” not a guess.
• Suggested ≠ instructed. Scores, badges, sizing bands, drawdown orders — all describe what transparent rules see. You decide.
• The retirement plan is pre-tax and in today’s dollars, with its assumptions printed on the panel. It’s a compass, not a GPS.
• Manual net-worth entries are CAD-only and don’t affect investing analytics (except cash/GICs joining your asset mix, which is disclosed).
• Some data can be imperfect (fund categories and calendar dates come from public sources). Where the app can’t verify, it says “assumed” out loud.
• It is not a licensed financial, tax, or investment advisor. For decisions with serious consequences — retirement, big tax moves — use this to arrive prepared at a professional’s desk.

Every term below also appears in context throughout this guide — and the in-app Glossary defines many more, one hover away.

If you administer the account, a few extra Settings panels appear.

• Automation / Scheduler — when the data scans run (stocks nightly, ETFs shortly after, the alert engine hourly during market hours) — pause, resume, or reschedule any job.
• Users — add or remove people and reset passwords.
• Access Control — grant or limit the AI modules per user, with per-module spending budgets.
• Activity Log — sign-in history and the audit trail of who did what, when.
• Security — force sign-out of all sessions.

CompoundWise has a native iOS companion — same source of truth, no drift.

The app gives you Overview, Holdings, Discover and Advisor on the go, with Face ID, Home- and Lock-Screen widgets (portfolio value, goal-progress ring), and a markets-open Live Activity. The numbers are identical to the web — they read from the same engine.

Five house rules guide everything the tool recommends:

1. Quality first, always.
2. Never sell quality on price alone — a high price means stop buying, not sell. SELL is reserved for businesses that have genuinely deteriorated.
3. Taxes are real money — don’t trigger a tax bill for a weak reason.
4. Let winners run — but cap concentration (≈25% per stock, 45% per sector). You can set your own limits in your profile; a looser one is honoured and the report says each time that you are above the house limit by choice.
5. Tie everything to your goal.

A few common questions

Is this financial advice? No. CompoundWise is an educational research tool. It does the math; you make the decisions.

Does the AI make up numbers? No — by design. Your figures come only from grounded, read-only data; external claims carry citations; when in doubt it says “no opinion.”

Does it predict prices? No. The Deep Score grades the business, and the fair-value ensemble estimates worth with an honest confidence tier. Neither forecasts the next move.

Where do I learn more? The in-app Guide and Glossary explain every feature and term where you use them — and the full CompoundWise Manual (also as a PDF) covers everything in this guide in printable form.