I Ranked Every Income Investment, Best to Worst — One Popular Pick Got an F

Most income advice gets one thing backwards: it ranks investments as if there's a single right answer for everyone. There isn't.

So I did something different. I took every income vehicle worth knowing — annuities, covered call ETFs, private credit, REITs, syndications, BDCs, muni bonds, the ones your advisor pitches and the ones they've never mentioned — and I graded all of them, S through F.

But here's the catch that changes everything: I graded them for one specific investor. $5 million, five years from drawing income, comfortable in private markets. Change that investor, and some of these grades flip completely. One of the most popular income products on the market earns a flat F. And a vehicle most people have never had pitched to them lands at the very top.

I'll show you exactly why — and the five dimensions of diversification almost everyone gets wrong, even with a dozen positions.

Watch the full ranking, then build your own. Let's keep building.

The Truth About Covered Call ETFs Nobody Tells You

Covered call ETFs might be the most blindly bought income product on the market right now. And almost everyone picks the same way: they chase the biggest yield number on the website.

Here's what that number won't tell you. The yield is what you receive. It says nothing about what you actually keep. I learned this the hard way when I started moving capital into these funds—capital that's part of a portfolio generating over $200,000 a year in income. I nearly made several expensive mistakes myself. I caught them because I went deep: I broke down the strategies, the fund structures, and the tax treatment most investors never look at.

In this video, I walk through the five biggest mistakes people make with covered call ETFs—and exactly what to do instead. One of them has nothing to do with which fund you pick, and it quietly costs people thousands every single year.

Get these right, and you'll be operating at a level most investors never reach. Let's keep building.

You're Too Big for the App—and Too Small for the Family Office

If your net worth sits somewhere between one and thirty million dollars, you're stuck in a place nobody built for you. Too big for the retail app on your phone. Too small for the single family office running things for the ultra-wealthy. So you default to the only option anyone ever handed you: give it all to an advisor, pay the fee year after year, and watch the accounts draw down—until the money runs out, or you do.

There's a second path. Five years ago I built my own Micro Family Office on the same seven components that run hundred-million-dollar family offices—scaled to my situation. In this video I walk through every one, and how they lock together into a system you actually run.

Here's what most people get wrong: you don't build all seven on day one, and the sophisticated version of a few is not what wins. Stick around to the end—I'll show you how to score yourself across all seven, so you know exactly where you stand and what to fix first.

Let's keep building.