Your broker knows what you own.
It doesn’t know what you meant.
Set your target allocations. We watch the daily closes and tell you when one drifts — with the reason you wrote for owning it.
Free, and not a trial. No card, no password.
In March 2024 you wrote about this holding:
Core utility exposure, bought for the income floor. I won’t let it past 8% because of regulatory risk.
| Holding | Target | Band | Now |
|---|---|---|---|
| Utilities sleeve | 6.0% | 4.5–7.5% | 8.4% |
| Consumer staples | 12.0% | 9.0–15.0% | 11.6% |
| Healthcare | 15.0% | 11.3–18.8% | 14.2% |
| Energy | 8.0% | 6.0–10.0% | 7.7% |
Outside band since 4 March. Everything else is inside.
Write down what you meant.
The proportions you intended, the band you’ll tolerate, and why. Nothing you write is ever overwritten.
Your broker fills in the rest.
Real cost basis, real dividend history. We never ask you to type in what your broker already knows.
One notice a month.
Usually to say nothing has moved. Led by what you wrote, not by the number.
Nobody can simply stop looking.
Investors who leave their holdings alone tend to keep more of what those holdings earn. Looking is what erodes it: you check, something is down, and sitting still begins to feel like negligence.
So everyone sensible in this field arrives at the same counsel — look less. Which is right, and nearly useless, because it does nothing about the question that made you look in the first place. What if something has happened that I would want to know about?
Willpower is no answer to that. On a ship, nobody sleeps because the sea is safe. They sleep because someone has the watch, and that person has written instructions about what is worth waking them for.
You write the instructions. We keep the watch. Most months we write to say that nothing has moved, and that sentence is the product.
The first number isn’t what it’s worth. It’s what it pays.
And beneath it, the years behind it — what you were actually paid, as far back as your records reach.
| Received in 2025 | $17,190 |
| Received in 2024 | $15,940 |
| Received in 2023 | $14,880 |
One question, when you add a holding.
What would make you change your mind about this?
One line is enough. Years later, when that holding leaves its band, we show you your own answer before we show you the number.
Takes two minutes. No account needed.
Core utility exposure, bought for the income floor. I won’t let it past 8% because of regulatory risk.
Shown back to you 4 March 2026, two years later, at the moment it mattered.
What this is not.
Every account you hold, in one view. No broker will ever show you a competitor’s.
- No stock picks. — we never name a holding you don’t already own.
- No advice. — we tell you what you said, and what changed.
- No red and green. — that’s the color language of trading.
- No live prices. — nothing to check during the day.
- No ads, no broker money. — you’re the only one who pays us.
Why TeakDeck.
A teak deck is the part of a ship you stand on. Not the thing you look at — the thing you look from. It stays level while the sea does what the sea does, and a well-laid teak deck will outlast the person who commissioned it. That is roughly the horizon we have in mind.
The reason we chose it, though, is what teak asks of you. A teak deck is ruined by maintenance. Don’t varnish it, don’t pressure-wash it, don’t scrub it back to the honey color it had when new. Left alone it silvers, hardens and holds. Fussed over, it wears away — every cleaning takes more of the wood than the weather ever would.
The mark is four planks of it, seen from the stern. If the sweep also reads as a slow curve upward, that is not an accident — but it is planks first.
Interference is what does the damage. That is most of what we think about investing, and it turned out somebody had already made it into a floor.
Billed once a year.
A subscription you re-decide every month is one more thing to check. Once a year is the same rhythm as the decisions this is built for.
The line between free and paid is a line about data, not about features. What you type in is free, always. What your broker knows costs money, because reading it costs us money.
$0
Not a trial. Doesn’t expire.- Your holdings, entered by hand
- The proportions you intended
- Letters to your future self
- Your principles, and every version of them
- Nothing overwritten, ever
$96
per year- Two broker connections
- Drift from your own targets
- One notice a month
- Income, yield on cost, concentration
- Cost basis and tax-year reporting
$180
per year- Six broker connections
- Every account as one portfolio
- One set of targets across all
- Asset location by account type
Before you commit a year to it
The first month is $5, which is roughly what your broker connection costs us to run. Connect an account, watch it read your real cost basis and your actual dividend history, and see what your own plan looks like measured against it.
If you then subscribe, the $5 comes off the price — whenever you do it, with no deadline attached. If you don’t, the month simply ends. It does not renew into anything, and you keep everything it imported.
No card for the record. Nothing to cancel.