FITools isn't for everyone. Here's how to tell.

You're probably a good fit if

• You already own a portfolio of individual stocks you'd be comfortable holding for the long term. FITools makes more sense as a layer on top of equities you already want to own — not as a way to pick what to own in the first place.
• You have enough capital that ten to fifteen diversified positions is realistic. Roughly $200K+ of investable equity is where the methodology starts to be efficient. Below that, position sizing makes the math harder than it needs to be.
• You're already selling covered calls or cash-secured puts, or you've done the reading and are ready to. You're comfortable with the trade-offs — capped upside on calls, assignment risk on puts, the psychological pressure of an expiration date.
• You're willing to actually learn the methodology. The tool helps execute it; it doesn't think for you.
• You like understanding why something works. The investors I've watched do best with this approach are the ones who want to know the mechanics, not just the output.

You're probably NOT a good fit if

• You're looking for high-octane returns or directional bets. This is methodical income on equities you'd own anyway. It isn't a way to get rich quickly, and it isn't speculation.
• Your portfolio is small enough that you can't realistically diversify across multiple positions. Concentration plus options is a punishing combination.
• You want a managed service, trading signals, or someone to tell you what to do. FITools gives you better data and a better workflow. It does not tell you which trades to make. I'm not a registered investment advisor and I'm not going to play one.
• You're new to options. Start with the basics first — read the methodology, sell a few covered calls manually, see how it feels. Come back when the mechanics are familiar.
• You panic-sell on red days. Options add a layer of psychological pressure on top of stock ownership. If that pressure clouds your judgment, this approach will be harder, not easier.

If you're somewhere in between

Most honest applicants don't fit cleanly into either bucket. That's fine — apply anyway and tell me where you are. I read every application personally. If you're not ready, I'll say so and point you at free resources. That isn't rejection. It's me saving your time (and mine) before money changes hands.

When you come back twelve months later having put in the reps, the application is still open.

What FITools actually does

FITools cuts through the noise of the options market. You set your own screening criteria, whether that's profitability, balance-sheet strength, market cap, or whatever fundamentals you care about, and FITools surfaces income opportunities on the companies that meet your standards, with filters for expiration, liquidity, and the premiums you're after.

• Company screening. Filter thousands of stocks down to the handful that clear your bar.
• Options research. Find covered-call and cash-secured-put opportunities that fit your criteria — from near-dated expirations to your minimum premium targets.
• Research tools. Educational resources and analysis for your own due diligence. It gives you the data; the decisions are yours.

No get-rich-quick schemes. No strategies that need a PhD to understand. Just straightforward tools for collecting option premium on holdings you'd own anyway.