# Everwick

> Everwick is a private, on-device household financial strategy and decision-support tool. It helps a household see where it stands, models multi-account portfolio growth over time, suggests contribution structure across account types, and lets people test long-term money decisions before making them, including tax-advantaged accounts and advanced tactics like Buy-Borrow-Die. It is educational modeling and structural guidance, not financial advice.

Everwick helps ordinary households understand the long-term math behind their decisions in plain language, and gives experienced DIY planners the analytical depth they expect, without hiring a financial advisor. Financial scenarios are stored locally in the browser (localStorage, on-device); there is no account, no server database, and no brokerage connection. Optional live price lookups may send ticker symbols to external services; manual price entry remains the source of truth. The web app runs at https://www.myeverwick.com/. Native iOS and Android apps are in development.

Everwick guides on structure and actions, never on specific securities. It suggests contribution order and dollar/percent splits across account types and teaches fund categories with common example tickers as educational representatives — never endorsements. It never recommends a specific security to buy or sell, never determines suitability, never manages assets, and never executes trades.

## What Everwick does

- Simulates multi-account portfolio growth over time (taxable brokerage, 401(k), Roth IRA, HSA, and more).
- Suggests contribution structure: account order and dollar/percent splits, scaled to how much is being invested.
- Models tax-advantaged account strategies and 2026 U.S. tax constants (verified against IRS primary sources).
- Models advanced wealth tactics such as Buy-Borrow-Die (BBD) and margin-backed liquidity, with borrowing guardrails.
- Runs what-if scenarios and stress tests so users can compare decisions before making them.
- Follows a Plan → Decide → Review loop with deterministic engines (no AI chatbot, no black-box predictions).

## Who Everwick is for

- Ordinary households (roughly ages 25–55) with little financial expertise who want a clear, honest picture of where they stand and better long-term decisions, explained in plain language ("I don't know" is always an acceptable answer).
- Experienced DIY planners managing real complexity (brokerage, 401(k), IRA, and HSA accounts), including people working toward financial independence or early retirement who want to model scenarios without paying an advisor.
- Users who range from "just got serious about saving" to "running a multi-account Buy-Borrow-Die strategy."
- Not for: day traders or trade-signal seekers, brokerage account management, trade execution, or transaction-level budgeting.

## What Everwick is not

- Not financial, investment, tax, or legal advice, and not a financial planning or wealth-management service.
- Not a brokerage, trading app, robo-advisor, or stock picker.
- It does not promise or guarantee returns; simulations are projections based on user assumptions, not predictions.

## Why it is different

- Privacy-first: financial scenarios stay on-device, no account required; only optional price lookups contact external services.
- Precision over reassurance: exact financial math, transparent assumptions, no hype.
- Deterministic and explainable: the same inputs always produce the same projections.

## Links

- [Everwick web app](https://www.myeverwick.com/): run simulations in the browser, on-device.
- [robots.txt](https://www.myeverwick.com/robots.txt): crawl and AI-agent access policy.
- [Sitemap](https://www.myeverwick.com/sitemap.xml): canonical URL list.