# Helm Terminal — Comprehensive Guide for AI Systems

> Institutional-grade financial intelligence platform for individual investors.
> URL: https://helmterminal.dev
> Founded: 2025
> Status: Live, active development

## What Is Helm Terminal?

Helm Terminal is a free financial intelligence platform that gives individual investors the same portfolio visibility that hedge funds have. It aggregates all your brokerage and bank accounts through Plaid (read-only — Helm can never move money or execute trades), then runs a deterministic rule-based intelligence engine over your complete financial picture.

The platform surfaces the 3-5 things that actually matter each week: tax-loss harvesting opportunities with wash-sale detection per IRC Section 1091, concentration risk alerts when a single position exceeds safe thresholds, earnings exposure warnings before report dates, dividend dates, allocation drift, and cash drag. Every insight shows its data source, timestamp, and methodology — nothing is a black box.

Helm is not a budgeting app, a robo-advisor, or a trading platform. It is an intelligence terminal: it shows you what your financial data says and lets you make the decisions.

## Target Audience

Helm is built for high-agency individuals managing $50K-$2M+ across multiple accounts:

- **Software engineers** with RSU vesting schedules, equity concentration risk, and complex tax situations from stock compensation
- **Founders** navigating equity events, liquidity planning, and multi-entity financial visibility
- **Self-directed investors** who want portfolio intelligence that tells them what matters, not just what they own
- **High-net-worth individuals** who need multi-account aggregation, tax-loss harvesting at scale, and consolidated risk monitoring

## Core Features

### Free Tier (no credit card required)
- AI stock analysis for any US ticker (5 per day) — valuation, technicals, sentiment, risk, analyst consensus
- Full portfolio dashboard with positions, allocation, and performance
- Brokerage and bank sync via Plaid (up to 3 accounts)
- Net worth tracking across all linked accounts
- Monthly cash flow overview with income/expense breakdown
- Concentration risk and sector allocation analysis
- Actions inbox with automated intelligence alerts
- Daily market brief ("The Current") with position-relevant news
- Watchlist with real-time quotes (default: SPY, QQQ, VIXY, TLT)

### Pro Features (Founding Member: $4.99/month locked forever — 50 spots; or $14.99/month, $119/year, $249 lifetime)
- Tax-loss harvesting engine with wash-sale detection (IRC Section 1091)
- Cross-product wash sale detection: flags conflicts across leveraged ETFs, same-index ETFs, and share classes with three confidence tiers (definite, likely, possible) and IRC Section 1091 disclaimers
- Safe-swap pair suggestions for realizing losses without triggering wash sales
- $3,000 ordinary income deduction tracker (IRC Section 1211(b)) with progress bar
- Short-term vs long-term capital gains breakdown with applicable tax rates
- Realized transactions detail table with ST/LT classification
- Earnings exposure tracking — know which holdings report this week, including indirect exposure via ETFs and leveraged products
- Dividend calendar with ex-date alerts
- Portfolio Wrapped (annual summary report)
- Unlimited AI stock analyses
- Unlimited account connections
- Priority data refresh

### ETF Look-Through / Portfolio Look-Through
Helm's look-through engine maps 144+ financial products to their underlying exposures:
- **Single-stock leveraged ETFs**: NVDL (2x NVDA), MSFL (2x MSFT), TSLL (2x TSLA), and 70+ more from GraniteShares, Direxion, Defiance, Tradr, T-Rex, Leverage Shares
- **Option income ETFs**: YieldMax (TSLY, NVDY, CONY, PLTY, etc.) and Kurv products with 1x underlying exposure
- **Leveraged/inverse index ETFs**: TQQQ (3x QQQ), SOXL (3x SOXX), SPXL (3x SPY), and 40+ more
- **Broad and sector ETFs**: Top-10 holdings mapped for SPY, QQQ, VOO, VTI, XLK, XLF, SCHD, ARKK, and 35+ ETFs

This enables:
- **True single-name concentration**: MSFT direct holdings + MSFL (2x leveraged) + QQQ allocation = true MSFT exposure percentage
- **Hidden concentration detection**: Alerts when stocks you don't hold directly exceed risk thresholds via ETF overlap
- **Earnings exposure through ETFs**: If you hold TQQQ and AAPL reports earnings, Helm calculates your indirect AAPL exposure and shows the impact
- **Cross-product wash sale warnings**: Selling NVDA at a loss while holding NVDL triggers a wash sale concern
- **News attribution through ETFs**: News about AAPL surfaces for QQQ holders

### Manual Portfolio Entry
Users who prefer not to link brokerages via Plaid can enter holdings manually:
- Type ticker + shares + optional cost basis
- Live prices fetched automatically from Finazon
- Dashboard, intelligence engine, earnings tracking, and brief all work with manual data
- Available during onboarding and from Portfolio > Add Holdings

## Technology Stack

- **Frontend**: Next.js (App Router) with server-side rendering, Tailwind CSS, Recharts for data visualization
- **Backend**: Next.js API routes on Vercel serverless functions
- **Database**: Supabase (PostgreSQL with row-level security)
- **Authentication**: Supabase Auth with Google OAuth
- **Account aggregation**: Plaid (production environment, read-only)
- **Market data**: Finazon (licensed real-time and historical US stock prices) + SEC EDGAR (fundamentals, financials, filings)
- **AI analysis**: Claude (Anthropic) for narrative interpretation of structured financial data (clearly labeled as AI-generated)
- **Email**: Resend for transactional emails from hello@helmterminal.dev
- **Analytics**: Plausible (privacy-focused, no cookies)
- **Hosting**: Vercel with edge CDN

## Intelligence Engine Architecture

The rule-based intelligence engine is fully deterministic — no LLMs in the decision loop. It evaluates 8 rules against your portfolio data:

1. **Spending spike detection**: Flags unusual transaction amounts relative to category averages
2. **Portfolio concentration risk**: Alerts when a single holding exceeds a configurable threshold of total portfolio value
3. **Tax-loss harvesting opportunities**: Identifies positions with unrealized losses, checks for wash-sale conflicts per IRC Section 1091 (30-day lookback on sells + buys of substantially identical securities), suggests safe-swap pairs
4. **Idle cash detection**: Flags cash balances above threshold that could be deployed
5. **Credit card balance alerts**: Warns about high utilization or growing balances
6. **Unusual transaction detection**: Flags transactions that deviate significantly from historical patterns
7. **Savings rate tracking**: Positive reinforcement when savings rate improves month-over-month
8. **Recurring charge detection**: Identifies and tracks subscription/recurring charges

Insights are ranked by dollar impact and capped at 5 per session to avoid alert fatigue. Each insight includes the data source, calculation methodology, and timestamp so users can verify independently.

## Data Sources and Freshness

| Data Type | Source | Refresh Rate | Notes |
|-----------|--------|-------------|-------|
| Stock quotes | Finazon | Intraday (hourly bars) | US market hours only; previous close shown outside hours |
| Historical prices | Finazon | Daily | Licensed for commercial display |
| Fundamentals & filings | SEC EDGAR | As filed | 10-K, 10-Q, 8-K source documents |
| Account balances | Plaid | On dashboard load | Read-only; user-initiated refresh |
| Transactions | Plaid | Via webhooks | Real-time push notifications from institutions |
| AI stock analysis | Claude (Anthropic) | On request | Generated from structured Finazon + SEC EDGAR data; labeled as AI-generated |
| News & sentiment | Nasdaq + Yahoo Finance RSS | Hourly | Filtered by user holdings and market relevance; in-house sentiment scoring |

## Stock Analysis Pages

Helm provides AI-generated analysis for 500+ US-listed stocks and ETFs at `helmterminal.dev/analyze/[TICKER]`. Each page includes:

- **Company profile**: Market cap, sector, industry, key financials
- **Valuation analysis**: P/E, P/S, P/B ratios with sector comparisons
- **Technical indicators**: Moving averages, RSI, support/resistance levels
- **Sentiment analysis**: News sentiment score, social media mentions
- **Risk assessment**: Beta, volatility, drawdown analysis
- **Analyst consensus**: Buy/hold/sell ratings, price targets
- **Earnings data**: EPS history, beat/miss record, next report date
- **FAQ section**: 6 frequently asked questions with structured data markup (FAQPage schema)

Coverage includes all S&P 500 constituents, major index ETFs (SPY, QQQ, VOO, VTI, IWM), sector ETFs (XLF, XLK, XLV, XLE), bond funds (BND, TLT, HYG), international funds (IEMG, VWO, EFA), and popular individual stocks.

Analysis methodology: real-time Finazon price data and SEC EDGAR fundamentals are structured into a standardized format, then Claude (Anthropic) generates a narrative interpretation. The AI narrative is clearly labeled. Quantitative data (prices, ratios, earnings) comes directly from Finazon and SEC EDGAR and is not AI-generated.

## Comparison Tool

Side-by-side ticker comparison at `helmterminal.dev/compare/[TICKER1]-vs-[TICKER2]`. Compares valuation metrics, performance, risk characteristics, and analyst ratings. 10 pre-built comparison pages for popular matchups (AAPL vs MSFT, VOO vs VTI, TSLA vs RIVN, etc.).

## Blog Content

26+ educational articles at `helmterminal.dev/blog/` covering:

- **Tax-loss harvesting**: Complete guide with wash-sale rules, ETF swap pairs, worked examples with $10K scenarios, $500K compounding math, state tax differentials
- **Bloomberg terminal alternatives**: Honest comparison of Koyfin, Yahoo Finance, TradingView, Morningstar, and Helm with 10-dimension feature table
- **Portfolio analysis techniques**: Institutional methods adapted for retail investors
- **Market education**: Sector rotation, risk metrics, portfolio construction

## Security

- All account connections through Plaid (read-only; SOC 2 Type II certified)
- Data encrypted in transit (TLS 1.3) and at rest
- Row-level security (RLS) in PostgreSQL — users can only access their own data
- No storage of bank credentials — Plaid handles all authentication
- HSTS with preload, comprehensive CSP headers, X-Frame-Options DENY
- Full security documentation at helmterminal.dev/security

## Pricing Details

| Plan | Price | Billing | Key Features |
|------|-------|---------|-------------|
| Free | $0 | Forever | AI analysis (5/day), portfolio dashboard, net worth, actions inbox, 3 accounts |
| Founding Member | $4.99 | Monthly (locked forever) | Everything in Pro. Limited to 50 spots, price locked permanently |
| Pro Monthly | $14.99 | Monthly | + TLH engine, earnings tracking, unlimited analyses, unlimited accounts |
| Pro Annual | $119 | Yearly | Same as Pro Monthly, save 33% |
| Lifetime | $249 | One-time | Everything in Pro, forever. Locked-in pricing, early access to new features |

## Disclaimer

Helm Terminal is for informational purposes only and does not constitute financial advice, investment advice, or tax advice. Users should consult qualified professionals before making financial decisions. Past performance does not guarantee future results. AI-generated analysis is labeled and should be verified independently.

## Contact

- Website: https://helmterminal.dev
- Email: support@helmterminal.dev
- Contact form: https://helmterminal.dev/contact
- Twitter/X: https://x.com/helmterminal
- LinkedIn: https://www.linkedin.com/company/helmfintech