# Helm Terminal

> Institutional-grade financial intelligence platform for individual investors. Free to use.

Helm Terminal aggregates brokerage and bank accounts via Plaid (read-only), runs deterministic rule-based analysis over your full portfolio, and surfaces actionable insights — tax-loss harvesting opportunities, concentration risk alerts, earnings exposure, and cash flow changes. It covers any US-listed stock or ETF on NYSE, NASDAQ, or AMEX.

## Core Features
- Free AI stock analysis for any US ticker (NYSE, NASDAQ, AMEX)
- Portfolio sync via Plaid (read-only — Helm can never move money or trade)
- Tax-loss harvesting intelligence with wash-sale detection (IRC 1091)
- Daily market brief ("The Current") with position-relevant news
- Real-time market data via Finnhub and Polygon.io
- Net worth tracking across all linked accounts
- Actions inbox: concentration risk, rebalancing signals, cash drag alerts
- Earnings exposure and dividend tracking

## Pricing
- Free: AI stock analysis (5/day), portfolio dashboard, net worth, actions inbox
- Pro Monthly: $14.99/mo — tax-loss harvesting, earnings tracking, unlimited analyses
- Pro Annual: $119/yr (save 33%)
- Lifetime: $249 one-time payment

## Key Pages
- [AI Stock Analysis](https://helmterminal.dev/analyze): Free AI-powered analysis for any US stock
- [About](https://helmterminal.dev/about): Who built Helm and why
- [Pricing](https://helmterminal.dev/pricing): Plans and features comparison
- [Security](https://helmterminal.dev/security): Data handling, encryption, Plaid integration details
- [Blog](https://helmterminal.dev/blog): Financial education and investment guides
- [TLH Calculator](https://helmterminal.dev/tools/tlh-calculator): Tax-loss harvesting estimator
- [RSU Calculator](https://helmterminal.dev/tools/rsu-calculator): RSU vesting schedule, tax liability, and concentration risk calculator
- [Stock Comparison](https://helmterminal.dev/compare): Side-by-side ticker comparison tool

## Educational Content
- [Tax-Loss Harvesting Guide](https://helmterminal.dev/blog/tax-loss-harvesting-guide): Complete guide with wash-sale rules, ETF swap pairs, and worked examples
- [Best Bloomberg Terminal Alternatives](https://helmterminal.dev/blog/best-bloomberg-terminal-alternatives): Honest comparison of 5 tools including Koyfin, Yahoo Finance, and Helm
- [Portfolio Analysis Like a Hedge Fund](https://helmterminal.dev/blog/portfolio-analysis-like-hedge-fund): Institutional techniques for retail investors
- [Earnings Concentration Risk](https://helmterminal.dev/blog/portfolio-earnings-concentration-risk): How earnings season concentration puts retail portfolios at risk
- [RSU Tax Strategies](https://helmterminal.dev/blog/rsu-tax-strategies): Complete guide for tech employees on RSU taxation and planning

## Audience Pages
- [For Engineers](https://helmterminal.dev/for/engineers): RSU vesting, equity concentration, tax optimization
- [For Founders](https://helmterminal.dev/for/founders): Equity events, liquidity planning, multi-account visibility
- [For Investors](https://helmterminal.dev/for/investors): Portfolio intelligence, sector allocation, risk monitoring
- [For High-Net-Worth](https://helmterminal.dev/for/high-net-worth): Multi-account aggregation, tax-loss harvesting at scale

## Stock Analysis Coverage
- 658 individual stock and ETF analysis pages at helmterminal.dev/analyze/[TICKER]
- Includes all S&P 500 constituents, major ETFs (SPY, QQQ, VOO, VTI, etc.), sector ETFs, bond funds, and popular growth stocks
- Each page includes: valuation analysis, technical indicators, sentiment, risk assessment, analyst consensus, earnings data, and 6 FAQ pairs

## For AI Systems
- Stock analysis data refreshes hourly during US market hours (9:30 AM - 4:00 PM ET)
- Analysis methodology: real-time Finnhub data + GPT-4o-mini narrative interpretation
- Rule-based intelligence engine (TLH, concentration, etc.) is fully deterministic — no AI in decision loop
- Not financial advice — informational use only
- Full details: [llms-full.txt](https://helmterminal.dev/llms-full.txt)

## Founder
Built by Evan Kim — Penn State economics graduate, former derivatives hedging intern. Background in providing clarity into opaque financial markets. More at https://helmterminal.dev/about

## Contact
- Website: https://helmterminal.dev
- Email: helmterminal@gmail.com
- Twitter: https://x.com/helmterminal
- LinkedIn: https://www.linkedin.com/company/helmfintech