How Richiest decides what belongs in the Frame.
This page covers two methodologies: how Richard reaches a finding about your household, and how the free fund archive picks what belongs in a Frame slot. The first is the one that acts on your money.
How Richard reaches a finding
- Close first, then judge. Every finding is computed against a freshly assembled balance sheet, not a cached figure or a number you typed months ago.
- Quantified in dollars. A finding that cannot be stated as an amount — idle cash earning $X less per year, a fee costing $Y — is an observation, and Richard labels it as one.
- Sourced. Each finding carries its evidence: which accounts it came from, whether the data was connected or entered by hand, and how fresh it is.
- Uncertainty stated, not hidden. Where an input is estimated or a rate is a dated snapshot, Richard says so rather than presenting a false precision.
- Comparative, never directive. "This portfolio differs from its mandate by X" — not "sell X, buy Y." Richard has no trade tickets, by design.
- Boundaries are deliberate. Rebalancing instructions, specific lot-sale recommendations and wash-sale determinations are not built. They are regulated advice, and Richard is not a registered investment adviser. He surfaces the facts and defers to your CPA or counsel.
How the archive picks funds
Richiest is built around a simple job-based portfolio: Park, Earn, Build, Roam, Dare. Each slot has a purpose, and every recommendation should explain the job before it explains the ticker.
Fund selection criteria
- Does the fund actually do the job the slot needs?
- Is the expense ratio reasonable for the use case?
- Is liquidity good enough for ordinary investors?
- Does the fund create overlap or simplify the Frame?
- Would a normal household understand why it belongs here?
How Richiest makes money
Richiest may earn affiliate commissions when users open accounts through links on broker pages. Those links are labeled near the money action, and the disclosure is not hidden in a footer.
Data sources
Richiest keeps the live source list on a dedicated page so the ETF pages can stay focused on the Frame itself. The source page explains which issuer pages, SEC filings, and fund fact sheets are used, and how last-verified dates are handled.