The market remembers every decision.The market remembersevery decision.Most investors do not.

A Canadian capital allocation system combining self-directed brokerage, decision records, and institutional-grade research.

OPEN AN ACCOUNTEXPLORE THE SYSTEM
NO. 01 · SELF-DIRECTED · THE SYSTEM

A capital allocation system.Decisions on the record.

Some decisions you will choose to make yourself. Each one is capital allocation, and each should have a defined purpose, an appropriate benchmark, and a record of what the capital was asked to do.

THE RECORD
01

Research & Analysis

Fiscal.ai + your AI tools
02

Memo

classify, size, conviction, record
03

Review

the research, run again
04

Calibration

conviction, scored against outcome

↻  BACK TO 01 · THE LOOP REPEATS

NodesBehavioral bias · what the loop guards againstResearch · Fiscal.ai + your AI toolsBenchmark · S&P 500 core
StatusValidatedUnder reviewBroken
Operating Loop · Illustrative · not live data
SELF-DIRECTED · THE MISSING LAYER
The industry solved access.
The industry solved
access.
It never solved judgment.

Commissions went to zero. Fractional shares arrived. Most public markets now fit in a pocket. Access was the easier problem, and the industry finished it.

Professional investment organisations preserve research, review their decisions, and measure attribution. Mainstream retail brokerage largely stops at the transaction record. The reasoning lives somewhere else: a notebook, a chat thread, a memory that edits, or nowhere at all.

SELF-DIRECTED · THE LOOP

Record. Benchmark.
Review. Calibrate.You run it from day one.

01

Record

Classification, role, size and probability before an active order. The written case when you complete it.

Classification, size, probability, before the order.

02

Benchmark

The result against the relevant alternative, using the same capital over the same period.

Against the alternative, same capital, same period.

03

Review

What changed? The new version is dated. The previous version remains.

Dated. The previous version remains.

04

Calibrate

As horizons close, stated probabilities and actual outcomes become comparable. Outcome and decision quality begin to separate.

Stated probability meets actual outcome.

CALIBRATION
SELF-DIRECTED · THE DEFAULT

The default is the market.Everything else is earned.

For an active equity decision, the S&P 500 is the default hurdle. It is the alternative that was always available. Capital held for another purpose should be judged against that purpose instead.

+11%

Position Return

+31%

S&P 500 Equivalent Return

−20

Difference

Illustrative. An active equity position over the same hold.

The same capital, invested in the index over the same period, made 31%. That is what the 11% cost.

That is what the 11% cost.

THE BENCHMARK
SELF-DIRECTED · THE STANDARD
The standard is high.The door is open.

SELF-DIRECTED · THE QUESTION

Five years of your own decisions, measured against the alternative that was available. Can you name the number?

Few investors can. The record required to answer was never part of the brokerage experience. Intelligent Investing makes it part of the system.

No wealth threshold. No invitation. One standard for everyone, and eligible Canadian investors can apply to open an account.

The system scores predictions and records outcomes. It does not rank the person. Frequency is not the achievement. The quality of the judgment is.

No wealth threshold. One standard for everyone.

NO. 02 · MEMBERSHIP
$20/ month

One Membership Managed and Self-Directed included

Managed assets carry an additional 0.10% fee.

Self-Directed

An active decision system that places each order on the record before the outcome, and preserves what changed afterward.

SELF-DIRECTED

Managed

Low-cost, long-term portfolios for capital that needs a disciplined core.

MANAGED

Fiscal.ai Max

Multi-year financials, operating metrics, return on capital, margin trends and company comparisons. Included with membership. Research supplies evidence. Judgment remains yours.

Fiscal.ai Max · $99/month standaloneRESEARCH
NO. 03 · NEWSROOM
NEWSROOM

Press Releases

ALL RELEASES
No items found.

Changelog

ALL CHANGELOGS
No items found.
INTELLIGENT INVESTING

Nobody can buy a ten-year record.It has to be kept.

Money buys access, information and tools this afternoon. It cannot buy ten years of dated decisions, revised cases, recorded mistakes and measured outcomes. Time is the one input that cannot be accelerated.

The only way to have a ten-year record in 2036 is to begin it now. It starts empty. That is the same for everyone.

One $20/month membership includes access to Managed, Self-Directed, and Fiscal.ai Max.

Managed assets carry an additional 0.10% fee.

OPEN AN ACCOUNTREAD THE MANIFESTO

Client assets held separately · Orion Digital Corp., NASDAQ & TSX: ORIO