Resources
What we actually read and use.
A short, honest shelf — primary sources, a few classic books, our own free tools, and a starting point for the retirement-income question. No affiliate deals, no pay-to-list. Just things worth your time.
Go to the primary source
Everything real starts in the filings and the letters. Skip the middleman.
- SEC EDGAR full-text searchEvery 10-K, 10-Q, and proxy statement, free. This is where the Moat Index gets its numbers.
- Berkshire Hathaway shareholder lettersSixty years of Buffett explaining his own thinking, in his own words. Start anywhere.
Learn the ideas
The handful of books that actually change how you look at a business.
- The Intelligent Investor — Benjamin GrahamThe origin of margin of safety and Mr. Market. Our 12 Principles are a modern gloss on it.
- The Essays of Warren Buffett — ed. Lawrence CunninghamThe letters, organized by theme. Pair it with our plain-English guides.
Tools we built
Free, filings-based, and transparent about how they work.
- The Moat IndexOperating companies ranked by filing-derived moat quality. Coverage includes operating companies whose annual SEC filings provide enough comparable inputs for the relevant model; missing inputs remain unscored rather than guessed.
- The 'Would Buffett Buy This?' analyzerEnter a ticker, get a Moat Score and a disclosed owner-earnings value range in seconds.
Long-term wealth & retirement income
Building wealth is one problem; turning it into income that lasts is another. A few starting points for the second one — no single tool is the whole answer.
- Social Security Administration — benefit estimatorYour first and most valuable inflation-linked income stream. Know the number before planning around it.
- Annuity Rates HQ — current annuity ratesIf you're weighing guaranteed lifetime income as one piece of a retirement plan, this tracks current annuity rates so you can compare what an insurer will actually pay. One tool among several — worth understanding, not a substitute for a diversified portfolio.
- TreasuryDirect — TIPS & I bondsGovernment-backed, inflation-protected building blocks for the conservative sleeve of a plan.