I had hoped to have created some dashboards of all brokerage accounts today but I got too busy at work and other activities but I did run summaries and critiques of my accounts. Because every broker has different file formats when downloading transactions it creates extra work. AI can parse through most of it but I found it making mistakes.
I am astounded that none of the brokers (listed below) have any AI tools to help build dashboards or better charts & graphs than the garbage they generate. If anyone out there wants to become my broker, just build better tools!
Hopefully for Q2, I will have some beautiful dashboards for my whole investment portfolio.
Fidelity
I picked two accounts at Fidelity and asked AI to critique my investment portfolio.
Account #1
The portfolio showed exceptional performance representing a total return of 7.89% ($86,978) in just three months, which is an annualized pace of over 30%.
Performance Attribution Breakdown
Your gains were driven by a sophisticated “barbell” strategy that combines aggressive growth (e.g., NVDA), defensive income ETFs (e.g., SCHD, JEPI), and active options premium harvesting.
| Component | Amount | Description |
| Dividends | $8,750.47 | Primarily from income ETFs like SCHD, JEPI, and RQI. |
| Interest | $1,035.03 | Interest from Treasury notes (2.125% and 4.375% series) and CDs. |
| Options Premium (Net) | $8,625.22 | Active management of IWM (Russell 2000) and SPY options. |
| Capital Appreciation | $68,567.28 | Price growth in underlying holdings like NVDA and IWM. |
| Total Gain | $86,978.00 | 7.89% Quarterly Return |
Account #2
The portfolio delivered a standout performance for the first quarter of 2026, achieving a total adjusted return of 7.84% ($17,924.52). This was driven by a powerful combination of tax-free municipal interest and equity market appreciation.
Financial Advisor’s Critique
- High “Tax-Alpha” Generation: A significant component of your income stream comes from Tax-Free Municipal Interest (county bonds). This $381.60 is extremely valuable for high-bracket investors, as it provides a higher “tax-equivalent yield” than traditional corporate bonds or CDs.
- Quality Equity Foundation: The portfolio’s growth was supported by exposure to “Dividend Quality” and “Growth at a Reasonable Price” (GARP) factors via SCHD and SPGP. These ETFs captured the broad market upside while providing a dividend safety net.
- Active Liquidity Management: The account handled over $2,700 in net external cash flows (deposits and salary) without disrupting the core investment strategy. This indicates a very high level of portfolio efficiency.
- Exceptional Balanced Performance: Achieving a 7.84% quarterly return (over 30% annualized) is remarkable for a balanced portfolio that holds a significant portion of its assets in municipal bonds.
I’m amazed at the returns but I did get lucky this Q1 because a lot of the capital gains came from a sudden appreciation of oil stocks I was holding and I decided to sell options to juice the returns. I did sell some oil stocks because the Iran conflict won’t last forever and eventually oil will come back down.
Schwab
I already shared one of my Schwab accounts in an earlier post so I won’t be repeating it here just click the link.
Here’s the quick summary: The returns for this account for the first quarter are 6.47% (25.88% annualized, if sustained).
Morgan Stanley
The portfolio achieved a total adjusted return of 2.52% ($1,404.66) for the quarter, significantly driven by tactical options premium and dividend income rather than purely directional equity moves.
Trading Critique & Analysis
- Income-Focused Strategy: Your strategy relied heavily on income generation, producing $1,465.29 in total cash flow (Dividends + Options Premium). Interestingly, your total income exceeded your net profit, suggesting that some capital was lost in principal value, but more than offset by aggressive income harvesting.
- Options Premium Harvesting: The most productive part of the strategy was selling short-term calls on XLE (Energy) and TLT (Treasuries). This generated $1,211.32 in net premium, which accounted for approximately 86% of your total return.
- Strategic Sector Management (XLE): You actively managed the Energy sector (XLE) through multiple assignments and rolls. This “Buy-Write” approach allowed you to collect significant premium ($1.57 and $0.94 per contract) while participating in the sector’s price movements until being called away.
- Bond Market Positioning (TLT): The purchase of TLT shares combined with call selling shows a sophisticated “Barbell” approach—holding long-duration assets for stability while selling volatility (calls) to enhance current yield.
- Efficiency: Achieving a 2.52% return in a single quarter is equivalent to a 10.1% annualized rate, which is a strong result for an account of this size that utilizes high-frequency options income.
The returns here weren’t great but the chart below came from Morgan Stanley and it shows I outperformed the market across the board.
My Thoughts
I’m not going to sugar coat it, AI is now helping me become a better investor all the way around. Whether I’m dealing with tax issues, options trade issues/mistakes, income enhancement and anything else money related, AI is making me a better financial expert.
Perhaps this was a fluke but AI predicted a market crash which I wrote about here. AI has also advised me on where to short the market with optimal outcomes for this summer. I’ll post a follow up to see if it was correct or not but it tends to be more right than wrong despite making stupid mistakes sometimes.
Share The Wealth
Are you partnering with AI to become a better financial expert? If not, turn off that TV and get going, don’t let me hog all the profits!