What I will build, and what may, one day, be my legacy.

I will build an ETF Hub where users can create artificial ETFs, and as part of an ongoing operation, the top returning “ETFs” over different time frames will then be used to build true market-ready ETFs.

I will build a Wikipedia for Stocks as a trojan horse to get the herd to help me track down and consolidate outstanding fixed-income securities for each firm.

I will use “Wikipedia for stocks” as a free tool to launch a fixed-income brokerage powerhouse. We start with a novel idea, create a Wikipedia for stocks, and guide early users on how to fill it out. The long game is getting keyboard warriors or some other cheap labor to make a robust hub for many marketable securities that are often overlooked, from preferreds and warrants to fixed income. Go to Google Finance, Yahoo Finance, or any other; good luck finding a company’s debt, let alone CUSIP, without going through 100+ pages to find the bond disclosure pages of the quarterly filing. Type in a stock ticker, and the top result would be the stock, which, when clicked on, will transition you into a visually heavy page with all relevant data for someone looking for information on a given stock and an embedded news thread showing any recent and relevant articles. Beyond the first top 25% of the screen, the rest of the capital structure will be outlined and displayed in the remaining screen space below the equity name details and metrics. You will quickly be able to see that company A has one series of preferreds listed, which can be seen in the top 1/4oth of the page, which a total number of preferreds outstanding, effective yield, and other pertinent information detailed. Below that, for this company, there are No Mezzanine Bonds and No Secured notes. However, the company does have unsecured bonds expiring in ’35, ’36, ’37, ’38, etc. By clicking each bond, a screen pops up for the user to graph the bond price over an X and Y axis, with the option to overlay the reference equity overtop the price chart. Along with this chart, pertinent information would be filled out on the right column of the display, and more information would present below the price chart.

Data types to appear on the right include the firm’s Total Cash on Hand. It would disclose the number of days until the bond went ex-dividend. I would like to see other information based on the day of the year. With the date mentioned above of when the bond must make a payment, It shouldn’t be hard to create a cash burn figure that shows the total amount of cash available on the ex-date. Each day, the operating expenses should reflect that timing function in that figure. Ie. A bank has 100 dollars on Monday; the Ex-date is Friday of that week. It would be ideal to see operations’ effect on that $100 going into the dividend date. Suppose operations require $50 from free cash to produce an additional widget. In that case, that $100 cash figure needs to drop to $50 or less, depending on operational requirements, until the dividend is due and 50 dollars is available.

However, what is important here is creating a Wikipedia for stocks. We need a concrete structure for how securities can be written up or analyzed. Wikipedia never instructed its users how to present the information best; they all kept iterating until a more or less system became the default that sees a topic start a page with a quick background on the word, early and easy translations, and a brief sentence or two of what the item is, who the person was, or what the event was, to what the item was used for. This is followed by a somewhat structured series of boxes on the right side where vital information is highlighted and separated from the rest of the content. In this top right structured shelf, you will often find the formal name of the topic of a given Wikipedia page; you will find, in the event of a human, a handwritten signature (depending on how old that is). In addition, you will find out things like what year a company was founded or someone was born, you will find out what academic institutions famous individuals went to, where someone was born and ultimately laid to rest, what military rank they may have learned, the office they served in, the person ranked before him and after im, and so forth. The most essential nuggets you need to know about someone not to be caught off guard in a classroom debate can be found in this section of a Wikipedia entry. The same is true about objects found in nature. All the critical information for a jewel, for example, can be found on its table in the top right of the entry, telling most of the story, while allowing the body of the wiki entry to expand on the details of where the stone was found, who found it, what was the expedition, and so forth. Imagine this, but for a stock. You of course, have your stock name and ticker, and exchanges it trades on around the world, as well as minor exchanges. Then, in that helpful box on the top right of a wiki, you might find out who the CEO is, who the CFO is, where the Headquarters is, when the firm was founded, the number of employees, what markets served, essential products and services, Total revenue, website, subsidiaries, number of employees, and some generic financial metrics like revenue and net income.

You will get a somewhat lengthy history, depending on the company’s age. Some companies go back 100+ years, others, just a few decades ago. Regardless, a. brief history of the company’s earlier chapters is revealed. This is an area where I think improvement can be made when making a stock/equity Wikipedia. For example, when speaking of an old product, further commentary can be provided explaining why a particular product was never tried again or, conversely, comment that this product could have merit with modern technology now surely available to the firm. To me, it’s all about taking rather concrete data, questioning it, and testing it with new propositions. While Wikipedia has its unique format for pages dedicated to public companies, I think that system could be borrowed from and improved dramatically.

For one thing, the company’s history is very important, but sadly, for most people, what happened in 19870-1980 means very little. It’s fun to read and see little hints of what we now know are products barely mentioned in passing comments. I would

like to see a Stock-Wikipedia that starts with a summary and driving mission statement that motivates its workers to come in each day and make amazing new things that will improve our lives. In a true equity Wiki, I would like to see 1, 2, 3, or 4 segments below the summary section of the page. Why? There are four quarters in a year, and I would like a quarter-by-quarter summary of what happened with the company during the most recent year. Did it progress on long-term goals, and did (and where) issues pop up, was market reception consistent over several quarters? The positives, the negatives, the lessons learned, vendors parted with, vendors joined, etc. The detailed reports from the four most recent quarters can provide great insight into what is happening with a company. And the beautify of WIkiX is, while only four quarter periods show up when you first pull up a page, the reality is if you scroll to the bottom of the quarterly reports, there’s a button that will allow you o slide back into the past, so instead of seeing the four most recent quarters, you are now looking at quarters 5,6,7,8, and even further. This ability to time travel and visit a company’s behavior and reception years into the past takes due diligence to another level; as time goes by and more companies work on keeping their pages up to date, you will find many years’ worth of previous data available just simply by scrolling. For companies that don’t want to help backfill their years of market activity, that’s okay too. We have earnings releases going far back in history and recorded Q&As that we can use to put something together for older company data.

Beyond the, admittedly, relatively dry droning of corporate execs trying to spin their quarterly performance in the best possible way, we want to offer more. So once we get things out of the way, such as name, various tickers across global exchanges, complex numbers regarding employees, company financials, websites, logos, birthplace, founders, etc., we can dig into the meat of things and try to foster an evniomrnet where our users can share their observations and the crowd as a whole can give reasonable feedback on the very things that make companies tick - their products and services. A company usually has a range of products, and sometimes they are all related to the same tasks, other times, they are far apart in their function. Nothing can tell you more about a company’s long-term value and success than its product and, very importantly, its track record of taking an abstract idea and turning it into a reality for millions of customers at an affordable price. In my vision, I see the users of WikiX taking things a few steps further than what happens on Wikipedia. I picture a world where our fellow friends and users go out of their way to buy a product, write a review, and do a tremendous job outlining its features while acknowledging its shortcomings.

To be clear, we welcome this and believe it’s this exact type of behavior that will power our platform. No company can succeed when its products are lacking; maybe they can get by for a while, but in the end, bad products always catch up. This is an excellent time to clarify this: WikiX will vigorously defend its pages from bad actors. Writing rosey and over-the-top reviews about current company products without proof of purchase is a sure way to get flagged by our system. At

a minimum, you can expect us to be reaching out. If we find out that a company has financially incentivized someone to do this, that company will find its entire existence expunged from our platform. Integrity is the only thing that gives us validity. If 100 people come onto our platform and right positive reviews/write-ups, and no one offers to draw an opposing picture, we will be inclined to go forward with hosting content that sends praise to a product. Same way in the opposite direction, if a ton of people come to WikiX and find a brand that has a poorly made product, we will not stop those genuine users from sharing their experience. In this scenario, all we will do is reach out to the maker of said product, share the concerns we’re hearing, and ask for a comment from a registered representative from the offending brand. If we don’t get a quote, then so be it! The crowd will have spoken, and we will have moved on as a community.

So once we get the critical company details out, the total number of employees, what exchanges it’s listed under, what type of company it is, what industry it serves, who its top employees are, what its operating income is, net income is. A host of other more minor details, we then move to our more extended product review portions of our WikiX. In these sections, I hope every company on WikiX has its entire product universe listed, defined, and explained on our pages. So many people look at companies for specific ratios and growth trends. Those things can be great, no doubt about it. But it’s only telling you a part of the story, and by stopping there, you may be correct, but with a little more work, you can go from “kind of sure,” instead of, “this is a home run.”. The United States is increasingly a services-based economy, but the reality is that many companies we as Americans invest in ultimately dominate our Corporate registry. I can think of several times in my life, probably many more if I thought about it, where I found a product, whether it was a gift to me, something I came across at school, or a friend showed me where I thought, “Wow.” It occurred to me within a minute of holding and using it that what I had in my hand represented a sea change in the way consumer devices would be made and what their target audience would be. Maybe the most profound type of incident I just described that had had the longest-lasting impact on my life, for over a decade now, was when I waited in line all day for a company to release a new product in a new field that it had never attempted to enter before and whom many believed would be doomed. That was when I opened my 2007 iPhone 1 at 6:01:30. Yes, 1 minute and 30 seconds after the item officially went on sale - now that’s so quant; who doesn’t order their iPhone to their house these days! But I digress; I want to build a platform where excited users, like I was on that day in 2007, and even frustrated users can come together and, through the wiki’s version of survival of the fittest, let the best ideas and opinions float to the top. Everyone has the right to edit a section, but if you hold position A and 99 other people hold position B, the reality is that position B will be the dominating point of view. As a function of that, I recommend making friends to help you get your take out there. Also, the tyranny of the majority can be a problem, so I am building in a safeguard; if you have a product or are using a service and the

experience has been absolutely terrible, my email address will be available. You are welcome to share your experience with me. At that point, my team and I will determine if your feedback should be incorporated into what is presented on-site at the wiki.

So product by product, segment by segment. Some products fit under a segment; others fit under another segment. To remedy this, we will make segments available for products or services of a specific type. With that framework, you can then write and publish your feedback on the specific products, from their pros and cons, to how it fits in with the broader segment group, what features they should have, and what they could dial back. The reality is that these products ultimately make or break public companies. You can have some wrong products or an inadequate business model/services. Still, with some financial gymnastics, you can make things look good or even great for a while, but if the work product your company is putting out is lacking or way behind the competition, the company’s fate is not far behind. So we will focus heavily on the products and the companies’ roadmap in our WikiX reports. Beyond that, We need to give our users as much information as possible about these companies. the whole idea we’re trying to accomplish is to be a one-stop shop for understanding a company, knowing how it’s built, whom it is comprised of, or even the color of strategic partners.

We must outline highlights from a company’s forward-looking guidance each quarter to update the financial metrics and charts we share on the wiki page for a given stock. So much information becomes public on a conference call. We will be listening diligently to make sure any changes, no matter how minor, find their way onto our disclosures in the finances section of a specific page. We plan to provide an audio replay of earnings calls in the near future, and we will have transcripts even sooner. We want to take in as much data as possible, then distill it to only the most essential elements. While our site is undoubtedly open to anyone, and hopefully many find it interesting, the actual end user, as we envision it, are people like you, people who trade or invest regularly, whether that’s part-time or full-time; we welcome everyone and hope to provide the value you deserve and earn a degree of comfort on your end when you click on one of our properties knowing we are committed to the raw truth and will do whatever we can to make it easy for you to parse and work with.

While we are focused on providing you with all the top-level information about a given company, who runs it, what revenue it has, what country it operates in, etc., we also have another, maybe the most important, element to touch on. It doesn’t take a financial genius to say, “companies have bonded.” However, you may need to be a financial genius to go through the process and buy a bond! Countless stocks in the American Stock universe, from NASDAQ to NYSE, also have outstanding bonds. These bonds can be very hard to find, as, as far as we know, there aren’t any great sites to type a company ticker into and get a result of

several bond identifiers. A CUSIP identifies bonds; it’s like a ticker, just a little longer! The bond market is primarily done over the phone between one banker and another. It is a little crazy, it’s 2023, and the best way to get a bond is to call a broker and hope they give you a fair price. If you want a bond, you must call a few brokers, and you will likely get 3-4 different prices. That’s the downside of no exchange; there are ways to get transparency into the bond market and what prices they exchange, but there is no screen where I can close a bond at 97.75. If I bought a bond at 96 during a period of distress a few months ago, and then wanted to sell that bond because the cash was needed for something else, I would call my broker, who, in turn, would call other people that he knows covers similar markets where that bond trades, and he might get back an “Uh Ya I can fill that, looking for 97.25.” Of course, this is frustrating, but the reality is that you are at the mercy of the guy on the other end of the phone, and you have no sure guarantee that you’ll be able to sell it above that or at the price you want. So the bond market has a long way to go; I’m sure in the next 20-30 years, bonds will get listed on exchanges like stocks, but that day is not now. The bonds are brought up because it’s such a vast portion of what makes up our financial system, and virtually all public severe companies have issued bonds, not to mention every single unit of government with obligations. Municipalities issue enormous bonds; paper builds our roads, bridges, and other improvements. It’s essential to bring up, though, because currently, there is no quick or elegant way to look up a company’s bonds. To find out what bonds a company, such as Berkshire Hathaway, offers, you have to go into the most recent quarterly filing for Berkshire, find its CUSIP, then find a service that lets you look up CUSIPS - of which there are no many. So beyond an introduction into the company, who runs it, what its recent corporate history has been, who serves as managers, what’s its net income, what ticker does it trade under in my jurisdiction, where is it head quartered, and who’s the current CEO are all excellent questions., as are questions about what products is it currently offering, what demand has been like for them, what the supply/demand balance is, when will updated versions release to update a stagnate product line, what products does the company depend on to drive holiday sales, these are all really good questions. what we are left with is, how do I invest in you? Does it make sense for me to buy the equity outright? or do preferreds make more sense? Or, for that matter, maybe I should buy the bonds that mature in 2033 carrying 7% - I mean, 7% every year for ten years is pretty good! Regardless of your timeline for investing, we want to bring you 1. the company. 2. the critical company figures 3. the industry/sector served and located 4. Whos in charge 5. what products are out and what ones are coming out in the near future, 6. what type of people make up its senior management, and 7. what security makes the most sense to buy? Do I buy equity? I hope it keeps appreciating. Does it make sense to play into the rate environment and buy 3-4-5 year bonds? Regardless of the questions and circumstances, readers of WikiX will have to wrestle with, we will do our best to ensure all the information needed, and some not needed, will be cleanly and clearly detailed on our wikiX platform. We hope you come back to check us out as