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Why I Started
I lost $2,500 in 2019 on a bad PEG call — a screener column with no growth-source provenance. I spent the next year building a verification framework. My qualification is the methodology, not the degree. Every calculation on this site runs through a Python script. Every citation traces to a DOI. When I use a hypothetical persona (“Rowan,” etc.), the numbers are real parameters I computed; the person is illustrative.

What I Write About

• Valuation ratio audit methodology — PEG, adjusted P/E, P/B, EV/EBITDA
• Financial statement diagnostics — earnings quality, accrual reversal
• Retirement account optimization — 401k, Roth, backdoor, mega-backdoor, HSA
• Brokerage cost transparency — sweep accounts, expense ratios, PFOF

Credentials

• Author at TheFinSense since 2025 — 37 long-form quantitative analyses published
• Python-verified financial modeling — see methodology
• Independent researcher: primary sources only, no secondary aggregators

Published Research

Hwang, D. (2026). The Q1 2026 Balance Sheet Stress Report: A Three-Regime Classification of S&P 500 Non-Financial Equity Structures.

• SSRN Electronic Journal — Abstract ID: 6614679
• Zenodo — DOI: 10.5281/zenodo.19674351

FIND ME

◆ ACADEMIC & RESEARCH

◆ PROFESSIONAL & SOCIAL

Editorial Standards — All articles reviewed quarterly. See each article’s Update log.
Correction policy ↗
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Full disclosure ↗

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