For retirees done buying yield and hoping it pays
Sell time. Collect premium.
Retire on the cushion.
RetireWheel scans the market for cash-secured puts that match your discipline — 1.2% weekly, 5% cushion, framework-checked. Then it tracks every rotation so you never trade in the dark.
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The inversion
Two ways to use the same dollar in retirement.
Hand it to an income ETF. Hope.
- ✗ Put your money up
- ✗ Hope the fund generates a distribution
- ✗ Hope the distribution doesn't shrink
- ✗ Hope NAV doesn't erode faster than yield
- ✗ Pay 0.35–0.95% expense ratio annually
- ✗ Pay ordinary income tax on every distribution
You buy time. Then you pray.
Sell a CSP. Bank certain cashflow.
- ✓ Set $X aside as collateral
- ✓ Sell a put on a ticker you'd own
- ✓ Premium hits your account immediately
- ✓ Zero expense ratio. Keep the spread.
- ✓ Route 25% to XDTE in Roth → tax-free compounding
- ✓ Route 25% to growth ETFs → buy time strategically
You sell time. Then you let profits buy time.
The whole game
Sell time to generate certain cashflow.
With profits, buy time and let it grow.
Dividend investors only ever do step 1.
Three traps the framework catches.
Most wheel traders know the rules. They break them anyway. Here's where it actually costs them.
🔴 Sub-floor premiums
You took the trade because the premium 'looked nice' but the weekly cash-on-cash was 0.6%. Your capital was locked for 3 weeks earning less than a money market.
🔴 Outside-universe trades
You wheeled MSAI because someone on YouTube said it was setting up. You lost $1,947. The framework didn't fail. You overrode it.
🔴 Defensive rolls
You rolled out 90 days for a $30 net credit on $6,000 of capital. That's 0.4% weekly. You knew it was bad. You did it anyway because letting it assign felt scary.
Four free tools that enforce the framework.
Every trade runs through 7 hard rules before it leaves your screen.
The Wheel Filter
Paste any trade. Get an instant 🟢 / 🟡 / 🔴 verdict against 7 framework rules: universe, weekly cash-on-cash, DTE, open interest, delta, cushion, RSI.
Try it free →The Roll Calculator
Compares rolling vs. taking assignment vs. letting expire. Shows you when the roll math is sub-floor and you should walk away.
Try it free →The CSP Calculator
Single-input calculator for cash-secured put math: premium, breakeven, annualized yield, cushion. Fastest way to sanity-check a setup.
Try it free →The full RetireWheel app
Broker auto-sync via SnapTrade. AI risk analysis on every position. Persistent trade history. 25/50/25 profit routing automation. Morning briefings.
See the app →The 7 rules that separate income from blown accounts.
Every rule is mechanical, measurable, and enforced live by the Wheel Filter.
Trade only ~13 vetted vehicles. Outside the list = outside the framework.
Below this floor, your capital earns less than a money market.
Sweet spot for theta + manageability. Outside = gamma risk or capital drag.
Below this, bid-ask is too wide. You can't exit at fair price.
Below = thin premium. Above = assignment too likely.
Less = no margin for normal volatility.
Overbought means Wall Street will sell. Don't sell puts into strength.
Built for retirees who got tired of hoping.
Not a scanner. Not a chat bot. Not a course. A discipline-enforcing tool with the brokers you use and the AI that knows your portfolio.
🔗 Broker auto-sync
SnapTrade integration with 15+ brokers including Robinhood, Schwab, Fidelity, Tastytrade.
🧠 AI risk analysis
Powered by Anthropic Claude. The AI knows your open positions, your rules, and your trade history.
🪣 Profit routing
25% to tax bucket, 50% retained for trading, 25% to growth ETFs — automated split tracking.
📩 Morning briefings
Daily email at market open: what's urgent, what's at BTC triggers, what to skip.
📊 Persistent history
Every trade, every roll, every routing decision logged. Your numbers, not a broker dashboard.
🛡 Framework-aware
The AI won't suggest trades that break your rules. Even when you ask it to.
Stop hoping. Start selling.
Read the cornerstone posts that show why income ETFs are a tax on the wheel strategy — and how to run it yourself.
Stop hoping ULTY pays.
Start with the free tools. They take 30 seconds and they're brutally honest. If the tool says 🔴 RED, the framework is telling you to walk away.