Required Reading

Read this before you trust anything Gerald says.

Gerald is an AI research assistant. It is not a financial advisor. It will be wrong. It will sometimes be confidently wrong. The decisions you make with your money are entirely yours — and the consequences of those decisions are entirely yours too.

Gerald can be wrong. Every recommendation is generated by an AI model reading public market data. The model can hallucinate. The data can be stale. Markets can move in ways no model anticipates. Treat every pick as one input among many — not as a directive.

Do your own research. Before you buy any stock Gerald recommends, read the company's most recent 10-K and 10-Q on the SEC website. Read the latest earnings call transcript. Understand what the business actually does. If you can't explain it in plain English to a friend — don't own it.

You can lose money. All investing involves risk, including total loss of principal. Past performance, including any backtests, paper-trading results, or "Gerald vs SPY" challenge metrics shown on this site, is no guarantee of future results. Stocks that compounded for 20 years can still go to zero.

What Gerald Is

Gerald is an automated equity research tool. It pulls financial data, runs pattern analysis through frameworks inspired by famous investors (Buffett, Munger, Lynch, Graham, Fisher, Marks, Smith), and produces written analysis with numerical scores. The analysis is generated by Claude, Anthropic's large language model.

Think of Gerald as a tireless research intern who has read a lot but has never actually managed money. The intern's research can be useful. The intern is not qualified to make decisions for you.

What Gerald Is Not

Not a registered investment advisor (RIA)
Not a broker-dealer
Not a fiduciary — has no legal obligation to act in your best interest
Not personalized advice — picks are generic, not tailored to your tax situation, time horizon, or risk capacity
Not insured — there is no SIPC, FDIC, or any other safety net for losses incurred from following Gerald's research

How To Use Gerald Responsibly

Gerald is a starting point, not a stopping point. The right way to use this site:

Read Gerald's analysis to surface companies you wouldn't have found on your own
Verify every claim against primary sources — SEC filings, the company's investor relations page, earnings call transcripts
Form your own opinion before placing any trade
Size positions according to YOUR risk tolerance, not Gerald's suggested allocations
Have a plan for what you do if a position drops 30% — write it down before you buy
If you're unsure, talk to a real financial advisor before committing capital

"The market can stay irrational longer than you can stay solvent."

— John Maynard Keynes. Or possibly A. Gary Shilling. Either way: good analysis doesn't protect you from bad timing, bad position sizing, or bad emotional discipline. Those are your responsibility.

Conflicts and Honesty

The site is operated by a high-school student building a learning project. The "$100 vs SPY challenge" is a paper-trading simulation — no real money is at stake in that experiment. Performance shown there is not audited and should not be treated as a verifiable track record.

Some pages may earn the operator a small fee (e.g. token purchases for AI features). This does not influence which stocks Gerald recommends — but you should know it exists.

Liability

To the maximum extent permitted by law: by using this site, you agree that Gerald, its operator, and any third parties involved in providing the service are not liable for any losses, damages, or missed opportunities arising from your investment decisions. You are using the service voluntarily, at your own risk, and as an adult capable of evaluating the limitations of an AI tool.

The Bottom Line

Gerald is a tool. A useful tool, hopefully. But the entire history of investing is a graveyard of people who outsourced their thinking to someone — or something — that turned out to be wrong. Don't be one of them.

Read the filings. Form your own view. Size accordingly. Sleep well at night.