40+ Years Watching The Horizon
The Flagship Report tracks daily high-yield credit spreads to tell you what's actually happening beneath the surface, then puts real money behind it across four model portfolios built for income, value, and asymmetric upside.
What The Market Is Signaling
● Updated Daily
FREE SPECIAL REPORTS
Real tickers, backed by the same credit-cycle reading that runs the four portfolios.
THE CAPTAIN’S LOG
JOIN THE CREW, FREE
Get next week’s dispatch and see what the credit market already knows
Weekly market notes and the credit spread readout, straight from Tim. No spam, no filler, unsubscribe anytime.
CHART YOUR COURSE
NORTH
Real estate income built to hold up when the broad market doesn't.
EAST
Small-cap momentum where supercomputers can't compete for size reasons.
WEST
Hard assets at a discount, bought where sentiment has overcorrected.
SOUTH
Yield sources built to keep paying when rate-cut hopes disappoint.
INCLUDED FREE WITH PREMIUM
A systematic quarterly screen built on a decade of backtested data: specialist institutional buying, insider buying, and real R&D spending, not hype.
"I don't have marketing people dreaming up promises I have no intention of keeping. I make you money, or you don't renew. That's the whole business."
TIM MELVIN, EDITOR
Tim has spent more than four decades in markets, through booms, crashes, and every credit cycle in between. The Flagship Report is where that experience gets put to work in public, in four live portfolios you can follow position by position.
You'll see exactly how he thinks through every call, not just a headline conclusion, so you can decide whether it fits your own approach.
COME ABOARD
Monthly and annual plans, straightforward pricing, no fine print.
THE FLAGSHIP FLEET
Same research process, same track record, four different opportunities. Bank stocks move on their own credit cycle. Smaller community banks add another angle entirely: takeover targets, dozens acquired every year, often at steep premiums. Small-cap value and momentum answer to entirely different signals. Each letter is built around the edge it follows.
Tools
Coming Soon
Self-serve screening tools built on the same criteria Tim uses to build the portfolios.
From $9.99/mo
Coming SoonLetter
Regional banks, alternative credit REITs, and the credit conditions that actually run the economy. Equity gets the headlines, credit sets the terms.
$13/mo or $129/yr
Learn MoreLetter
Small community banks trading below book value, the takeover targets bigger banks come looking for, backed by Tim's real track record calling them.
$75/mo or $499/yr
Learn MoreThe Flagship
Four model portfolios, the daily credit dashboard, and the quarterly Biotech Watchlist, together in one membership.
$39/mo or $399/yr