Tiny Seed Financial Command Center

Total Net Worth

Total Assets

Total Debt

Monthly Income

Monthly Expenses

Emergency Fund

-- months covered Goal: 6 months

Investment Portfolio

Connect investment accounts

Total Debt Remaining

Connect accounts to track

Round-Up Savings

Click to manage round-ups

Priority Actions

This Month

Getting Started: Connect your bank accounts to see priority actions

Tip: Go to Banking & Bills to connect via Plaid

Track Progress: Your actions will appear here based on real data

Financial Health Score

Connect accounts to calculate

Total Debt

Connect accounts to track

Monthly Minimum

Based on connected accounts

Credit Utilization

Connect credit cards

Accounts Tracked

Click to add debts

Payoff Strategy

Avalanche Method

Pay highest interest first. Saves the most money.

Saves the most interest

Snowball Method

Pay smallest balance first. Quick wins for motivation.

Quick psychological wins

Your Debts

Account	Balance	APR	Min Payment	Payoff	Actions
Loading connected accounts...

Payoff Timeline

Add debts to see your payoff timeline

Connect accounts or add debts manually above

Equipment Wishlist

0 items

Smart Purchase Planning: The system analyzes your cash flow, emergency fund, debt situation, and seasonal patterns to tell you exactly when it's safe to make purchases.

Ready to Buy

Wait Listed

Not Yet

Total Wishlist

No wishlist items yet

Track equipment, supplies, or big purchases you're planning

Today's Action Items

Analyzing your financial situation...

Total Cash

Connect accounts to view

Monthly Expenses

From transactions

Income This Month

From transactions

Cash Flow

Income - Expenses

Bank Accounts

No accounts connected yet

Click "Connect Bank" to link your accounts via Plaid

Drop bank statement here or click to upload

Supports CSV, PDF, OFX, QFX

Upcoming Bills

Bill	Due	Amount	Status
No bills added yet. Click "Scan Bill" to upload and auto-parse.

Quick Receipt Capture

AI-powered OCR extracts expense details

Take Photo

Snap a receipt with your camera

Upload File

PDF, JPG, PNG supported

Recent Receipts

No receipts captured yet

Recent Transactions

Date	Description	Category	Account	Amount
Loading transactions...

Loan Application Package

Balance Sheet, Asset Schedule, Depreciation & more

Open Loan Center

Alpaca Investment Account

-- Not Connected

Total Equity

Cash

Buying Power

Day P&L

Alpaca - Commission-Free Investing

Real brokerage API connection. Live account data, positions, and portfolio history.

$0 Commission $1 Minimum Fractional Shares Live API Data

Don't have an account? Sign up free

Track Existing Investment Accounts

No Accounts Linked

Link Fidelity, Schwab, Vanguard & More

Track all your investment accounts in one place. View holdings, performance, and total portfolio value.

Read-Only Access 11,000+ Institutions Bank-Level Security

75/25 Investment Strategy

Research-optimized allocation

75% Safe Foundation

Modified All-Weather Portfolio. Target: 5-7% annual return, max 15% drawdown.

VTI (US Stock)20%

VXUS (International)10%

BND (Bonds)20%

VTIP (TIPS)15%

SHY/GLDM/PDBC10%

25% Growth Engine

Dual Momentum Strategy. Target: 10-15% annual return, accepts higher volatility.

Current Signal

Checks monthly: VTI vs VXUS vs Bonds

Portfolio Value

Connect investment accounts

This Month's Contribution

Set up auto-invest

Growth Mode

Configure strategy

Current Drawdown

Market data unavailable

Current Allocation

HOLDINGS

Seasonal Schedule

Winter

Nov-Feb

0.25x

Planting

Mar-May

0.75x

Harvest

Jun-Oct

1.5x

Current Season

Configure seasonal contributions

Market Status & Portfolio History

Market Status

Next Open

Next Close

Base Value

Current Value

Total Return

Stock Lookup

Search for a stock or ETF

Recent Orders

No orders yet

Watchlists

Create a watchlist to track stocks you're interested in

Auto-Invest (DCA)

Not Configured

Dollar-cost averaging with farm seasonal multipliers. Automatically adjusts contributions based on your farm's cash flow cycle.

Monthly Amount

Frequency

Allocation Targets

% - S&P 500

% - Total US Market

% - International

Seasonal Multipliers Active: Contributions auto-adjust based on farm season. Apr-May = paused (planting), Jun-Oct = 1.5x (harvest revenue).

Tax-Advantaged Accounts

Maximize tax savings

Traditional/Roth IRA

Available on Alpaca

Annual Limit $7,000/yr

Tax Benefit Pre-tax (Trad) / Tax-free growth (Roth)

Best For Long-term retirement savings

HSA

If HDHP Insurance

Annual Limit $4,150/yr (self)

Tax Benefit Triple tax-free

Best For Medical + stealth retirement

SEP IRA

Requires Schwab/Fidelity

Annual Limit 25% of net income (up to $69k)

Caveat Same % for all employees

Not on Alpaca Use Schwab or Fidelity

Solo 401(k)

NOT Available

Reason Todd has employees

Requirement Owner-only businesses

Alternative Use SEP IRA instead

Recommendation: Max out Roth IRA ($7k) first, then HSA ($4,150 if eligible), then SEP IRA with remaining capacity. Total potential tax-advantaged savings: ~$80k+/yr.

Portfolio Intelligence

Ask anything about your portfolio

Risk Analysis

Risk Grade

Sharpe Ratio

Volatility

Max Drawdown

Win Rate

Sortino

Daily VaR (95%)

Benchmark vs SPY

Your Portfolio

SPY (S&P 500)

Alpha

Tax-Loss Harvesting

Harvestable Losses

Est. Tax Savings

Click refresh to scan positions

Dividend Tracker

Total Dividends

Portfolio Yield

Loading dividend data...

Rebalance Check

Rebalance Status

Click refresh to check allocation drift

Crypto Assets

Alpaca supports crypto trading (BTC, ETH, and more).

Algorithm Specification

75/25 Dual Allocation System

Dual Allocation Investment System

SAFE ALLOCATION (75%)

Strategy: Modified All-Weather
Expected Return: 5-7% annually
Max Drawdown: 12-15%
Volatility: 7-10%
Sharpe Ratio: 0.65-0.75

GROWTH ALLOCATION (25%)

Strategy: Dual Momentum + Factor Tilt
Expected Return: 8-15% annually
Max Drawdown: 20-30%
Volatility: 15-20%
Sharpe Ratio: 0.55-0.70

Blended Portfolio Expectations

6-9%

Annual Return

15-18%

Max Drawdown

9-12%

Volatility

0.60

Sharpe Ratio

Safe Strategy: Modified All-Weather

Ticker	Name	Allocation	Category	Role
VTI	Vanguard Total Stock Market	20%	US Equity	Growth engine
VXUS	Vanguard Total Int'l Stock	10%	Int'l Equity	Diversification
BND	Vanguard Total Bond Market	20%	US Bonds	Stability
TIP	iShares TIPS Bond	15%	TIPS	Inflation protection
GOVT	iShares U.S. Treasury Bond	10%	Treasuries	Safety
GLD	SPDR Gold Shares	7.5%	Gold	Crisis hedge
DBC	Invesco DB Commodity Index	5%	Commodities	Inflation hedge
SHY	iShares 1-3 Year Treasury	10%	Short-Term	Liquidity

Rebalancing Rules

Threshold: Rebalance when any position drifts 5% from target
Frequency: At least quarterly
Priority: Use new contributions first (tax-efficient)

Growth Strategy: Dual Momentum + Factor Tilt

Offensive Holdings

QQQ - Nasdaq-100 (up to 35%)
VUG - Vanguard Growth (up to 25%)
MTUM - Momentum Factor (up to 25%)
VBK - Small-Cap Growth (up to 15%)

Defensive Holdings

SHY - 1-3 Year Treasury (100%)
BIL - 1-3 Month T-Bill (alternate)

Defensive Triggers

Growth drawdown >= 10%: Move to defensive
Portfolio drawdown >= 15%: Full defensive override
Volatility >= 25%: Reduce growth by 25%
Recovery >= 5%: Resume offensive

Complete Algorithm Pseudocode

MONTHLY_INVESTMENT_DECISION(portfolio_data):

    // PHASE 1: SAFETY CHECKS
    emergency = CHECK_EMERGENCY_RESERVE(reserve, expenses)
    IF emergency == "CRITICAL": RETURN { action: "FUND_RESERVE" }

    // PHASE 2: SEASONAL ADJUSTMENT
    contribution = base * SEASON_MULTIPLIER[current_season]
    // Harvest (Jun-Oct): 1.5x | Planting (Mar-May): 0.75x | Winter: 0.25x

    // PHASE 3: RISK ASSESSMENT
    drawdown = (peak - current) / peak
    IF drawdown >= 0.15: growth_mode = "DEFENSIVE"
    ELSE IF drawdown >= 0.10: growth_mode = "DEFENSIVE"
    ELSE: growth_mode = CALCULATE_MOMENTUM_SIGNAL()

    // PHASE 4: MOMENTUM SIGNAL
    IF growth_mode != "DEFENSIVE":
        FOR EACH asset IN [QQQ, VUG, MTUM, VBK]:
            score[asset] = COMPOSITE_MOMENTUM(1m, 3m, 6m, 12m)
        top_assets = TOP_N(score, n=2)
        passing = FILTER(top_assets, WHERE momentum > SHY_return)
        IF passing.empty: growth_mode = "DEFENSIVE"
        ELSE: growth_holdings = EQUAL_WEIGHT(passing)

    // PHASE 5: BUILD TARGET (75% Safe + 25% Growth)
    target = SAFE_STRATEGY * 0.75 + growth_holdings * 0.25

    // PHASE 6: REBALANCE (use contributions first)
    IF max(drift) >= 0.05 OR new_contribution > 0:
        buy underweight positions with contribution
        IF still drifted: sell overweight, buy underweight

    RETURN { contribution, trades, growth_mode, risk_status }

Signal Calculation Formulas

1. Composite Momentum

composite = 0.25 * mom_1m + 0.25 * mom_3m + 0.25 * mom_6m + 0.25 * mom_12m

2. Absolute Momentum Filter

passes_filter = asset_return_12m > SHY_return_12m
IF passes: INCLUDE in offensive | ELSE: EXCLUDE

3. Rolling Volatility (Annualized)

daily_stddev = sqrt(variance(21_day_returns))
annual_volatility = daily_stddev * sqrt(252)

4. Allocation Drift

drift = current_percent - target_percent
IF abs(drift) >= 0.05: needs_rebalancing = TRUE

Disclaimer: For educational purposes only. Consult a financial advisor before investing.

Total Round-Up Savings

Feature coming soon

This Month's Round-Ups

Enable round-ups to start

Average Per Order

Round up to nearest $1

Invested So Far

Connect investment account

Pending Transfer

Transfers at $100

Recent Round-Ups

Date	Order	Amount	Round-Up
No round-ups yet. Enable the feature to start saving automatically.

Round-Up Settings

Round-Up Amount

Auto-Transfer Threshold

Transfer Destination

Enable Round-Ups

Automatically round up every farm sale and invest the difference.

Wishlist Items

Total Wishlist Value

Safe to Buy

Cash Available

Equipment Wishlist

Item	Cost	Priority	Status	Recommendation	Actions
No wishlist items yet. Click "Add Item" to get started.

Smart Purchase Advisor

How it works: The system analyzes your cash flow, debt, and emergency fund to tell you when it's safe to make purchases over $1,000.

Purchase Decision Factors:

Cash reserves vs 2-month expenses
Emergency fund (3-month protection)
Debt-to-income ratio (under 40%)
Recent cash flow trend
Seasonal farm patterns

Total Asset Value

Equipment Value

Vehicle Value

Inventory Value

Loan Application Package

Full Loan Center

Generate complete loan packages including Balance Sheet, Asset Schedule, and Depreciation Reports in the Loan & Grant Center.

Farm Assets

Asset	Category	Purchase Price	Current Value	Condition	Actions
No assets tracked yet. Add your farm equipment and vehicles.

Balance Sheet Summary

TOTAL ASSETS

TOTAL LIABILITIES

OWNER'S EQUITY (Net Worth)

Asset Breakdown

Cash & Bank$0

Investments$0

Equipment$0

Vehicles$0

Inventory$0

Active Plans

Outstanding Balance

Collected This Month

Overdue Payments

Customer Payment Plans

Customer	Total Amount	Paid	Remaining	Next Due	Status	Actions
No payment plans yet. Create a plan for customers who want to pay in installments.

Payment Plan Settings

How it works: Customers can pay for CSA shares or large orders in installments with a small interest charge.

Default Down Payment

Default Interest Rate

Default Installments

SEP-IRA Contributions (YTD)

Set up SEP-IRA to track

Team Members

Add employees to track

Incentive Pool

Configure incentive program

Milestones Reached

No data yet

SEP-IRA Contributions

Annual Contribution Limit (25% of comp) $66,000 max

Farm Contribution Rate 3% of wages

Employee	YTD Wages	IRA Contribution	Status
No SEP-IRA contributions recorded. Click "Add Contribution" to get started.
Total	--	--

Milestone Incentives

Earn bonuses by reaching personal milestones - not a competition, just recognition for your hard work!

WORK MILESTONES

30-Day Mark

$50 bonus

90-Day Mark

$100 bonus

1 Year

$250 bonus

2 Years

$500 bonus

5 Years

$1,000 bonus

500 Hours/Season

$200 bonus

SKILL MILESTONES

Greenhouse Certified

$75 bonus

Delivery Trained

$75 bonus

Equipment Operator

$100 bonus

Trained a New Hire

$50 bonus

How It Works

Milestones are personal achievements - reach them at your own pace. Bonuses are paid within 2 pay periods of reaching each milestone. Everyone can earn every bonus!

Connections

Google Sheets ID

Apps Script URL

Notifications

Bill Due Reminders

Debt Milestone Alerts

Investment Rebalance Alerts

Employee Achievement Notifications

Financial Settings

Monthly Expenses (for emergency fund calc)

Base Monthly Investment

Emergency Fund Goal (months)

Import / Export

Import Bank Statement

Import Bills

Export All Data

Marketing Budget

Set budget to track

Spent This Month

-- Log expenses to track

ROI This Month

Track spend to calculate ROI

Posts This Month

Connect social accounts

Spend by Category

No marketing spend logged yet

Click "Log Expense" to start tracking

Recent Marketing Spend

Marketing Hub

No expenses logged yet

Marketing expenses will appear here

Marketing Fund

Marketing Fund Balance: --
Configure marketing fund to track spend vs budget

Monthly Auto-Allocation

Configure in settings

Last Deposit

No deposits yet

YTD Spend

Log expenses to track

Avg. Cost Per Post

Connect social accounts

Quick Actions

Open Marketing Hub

Document Vault

Your complete document vault with 16 document types, priority scoring, and lender-specific checklists lives in the Loan & Grant Center.

Open Full Document Vault

Quick Access

PA Subsistence Certificate

LLC Good Standing

EIN Confirmation Letter

EIN: 81-5299411

USDA Organic Certificate

OEFFA #3839

Articles of Organization

LLC Formation • 2017

Business Information

Legal Name

Tiny Seed Farm, LLC

EIN

81-5299411

PA Entity Number

0006509546

Formation Date

February 7, 2017

Entity Type

Domestic Limited Liability Company

Status

Active

Priority Actions

Financial Health Score

Payoff Strategy

Avalanche Method

Snowball Method

Your Debts

Payoff Timeline

Equipment Wishlist

Today's Action Items

Bank Accounts

Upcoming Bills

Quick Receipt Capture

Recent Transactions

Alpaca Investment Account

Alpaca - Commission-Free Investing

Track Existing Investment Accounts

Link Fidelity, Schwab, Vanguard & More

Connected Investment Accounts

Your Holdings

75/25 Investment Strategy

75% Safe Foundation

25% Growth Engine

Current Allocation

HOLDINGS

Seasonal Schedule

Market Status & Portfolio History

Stock Lookup

Recent Orders

Watchlists

Auto-Invest (DCA)

Tax-Advantaged Accounts

Traditional/Roth IRA

HSA

SEP IRA

Solo 401(k)

Portfolio Intelligence

Risk Analysis

Benchmark vs SPY

Tax-Loss Harvesting

Dividend Tracker

Rebalance Check

Crypto Assets

Algorithm Specification

Dual Allocation Investment System

SAFE ALLOCATION (75%)

GROWTH ALLOCATION (25%)

Blended Portfolio Expectations

Safe Strategy: Modified All-Weather

Rebalancing Rules

Growth Strategy: Dual Momentum + Factor Tilt

Offensive Holdings

Defensive Holdings

Defensive Triggers

Complete Algorithm Pseudocode

Signal Calculation Formulas

1. Composite Momentum

2. Absolute Momentum Filter

3. Rolling Volatility (Annualized)

4. Allocation Drift

Recent Round-Ups

Round-Up Settings

Equipment Wishlist

Smart Purchase Advisor

Purchase Decision Factors:

Loan Application Package

Farm Assets

Balance Sheet Summary

Asset Breakdown

Customer Payment Plans

Payment Plan Settings

Overdue Payments

SEP-IRA Contributions

Milestone Incentives

WORK MILESTONES

SKILL MILESTONES

Connections

Notifications

Financial Settings

Import / Export

Spend by Category