Quantitative software & written research
We build non-custodial decision systems, capital-preservation simulators, and impersonal financial education for founders, acquirers, and operators. Clear assumptions and inspectable arithmetic come first.
Decision systems · Written research · Capital preservation
BHV Wealth Arête, LLC
Quantitative Software, Written Research & Financial Literacy
Rooted in the classical Greek principle of Arête—excellence, discipline, and moral virtue in action—BHV Wealth Arête, LLC engineers non-custodial decision-intelligence software, expected-value (EV) probability engines, and capital-preservation frameworks for disciplined operators across Texas, the National Capital Region, and the Greater Buffalo-Niagara corridor.
Illustrative setting
01 · Doctrine
Excellence is a process, not a prediction.
Arête means excellence, discipline and moral virtue in action. Our preservation-first doctrine studies probability, fee-adjusted expected value and sizing discipline. Markets remain uncertain; positive modeled EV does not guarantee a return or prevent ruin.
Every tool we publish is impersonal. It models arithmetic on inputs you control and makes no recommendation about your circumstances.
- i.Expected value after friction
- ii.Preservation before return
- iii.Discipline over narrative
- iv.Attribution after every decision
02 · Platform Architecture
Quantitative Capabilities & Decision Architecture
Status labels are literal. “Planned” means not built. Described architecture is not an implemented control.
- Capability 01Architecture
Expected-Value (EV) & Probability Calibration Engines
Impersonal implied-probability, exchange fee-drag and break-even modeling for liquid markets and event contracts. Descriptive architecture, not connected market data.
- Capability 02Simulator live
The 70 / 20 / 10 Asymmetric Allocation Framework
70% core compounding reserves, 20% asymmetric convex opportunities and 10% tactical deployment — illustrated with explicit return and drawdown assumptions, not promised outcomes.
- Capability 03Architecture
4-Gate Anti-Tilt & Behavioral Risk Interlocks
Pre-decision checklists, drawdown circuit-breaker modeling and position-sizing discipline. A behavioral framework, not an implemented trading or loss-prevention control.
- Capability 04Planned
Multi-Source Telemetry & Corroboration Pipelines
Planned macroeconomic, environmental and attributed-news architecture, independent baselines and single-flight caching. No data feeds are connected.
- Capability 05Partial · planned
Tax-Lot Optimization & CPA Audit Ledgers
Working HIFO/FIFO arithmetic; planned IRC §1091 lookback alerts and exportable summaries. No automated tax advice, universal eligibility, wash-sale determination or CPA-ready accuracy guarantee.
- Capability 06Curriculum
Silver-Rights Financial Literacy & Veteran Empowerment
Curriculum architecture covering probability calibration, debt-velocity elimination and multigenerational treasury education for veterans and families.
- Capability 07Curriculum
Credit Architecture & Treasury Readiness
Internal credit telemetry methodology, three-bureau reconciliation and borrowing-readiness education. No connected bureau data or automated credit optimization exists.
- Capability 08Internal method
GIPS-Aligned Performance & Composite Oversight
Internal audit, composite and tax-lot attribution methodology only. No GIPS compliance, certification, independent verification or investment-management service is claimed.
- Capability 09Education
SDVOSB Transition & Regulatory Compliance Advisory
Enterprise-readiness education for military transition, multi-state operations and federal contracting. Not investment or legal advice and not a guarantee of regulatory compliance.
Wealth Command™
Proprietary Quantitative & Capital-Preservation Algorithms: impersonal modeling, 70 / 20 / 10 telemetry architecture and 4-Gate interlocks. Not connected trading controls.
PCS Financial Navigator™
Military & Federal Transition Architecture: PCS decision modeling, VA/federal benefit gross-up math and housing/capital-deployment education. Descriptive curriculum architecture.
Operation Arête™
Institutional Financial Literacy Curriculum: probability calibration, credit architecture and multi-generational stewardship.
03 · Instruments
Run the arithmetic yourself.
Deterministic, client-side calculations on your inputs. Nothing is transmitted unless you attach a scorecard and submit an inquiry. Hypothetical and educational only.
70 / 20 / 10 barbell allocation
| Bucket | Return assumption | Drawdown assumption | Allocated | Return outcome | Drawdown outcome |
|---|---|---|---|---|---|
| 70% Core Compounding Reserves | % | % | $175,000.00 | $182,350.00 | $164,500.00 |
| 20% Asymmetric Real Assets | % | % | $50,000.00 | $55,750.00 | $36,000.00 |
| 10% High-Velocity Tactical Capital | % | % | $25,000.00 | $30,750.00 | $0.00 |
- Total return outcome
- $268,850.00
- Total drawdown outcome
- $200,500.00
Zero-floor assumption: each bucket’s value is mathematically floored at zero. This is not protection against loss, leverage, price gaps, insolvency or negative liabilities. Returns and drawdowns are independent one-period scenarios, without fees, taxes, rebalancing or a compounding horizon. No actual capital protection is implemented.
Tax-lot relief: FIFO vs HIFO
| Acquired | Units | Unit cost | Actions |
|---|---|---|---|
$ | |||
$ | |||
$ | |||
$ |
- Proceeds
- $10,350.00
- Basis sold
- $8,031.00
- Realized gain
- $2,319.00
- Residual basis
- $7,565.50
FIFO · first in, first out
- Proceeds
- $10,350.00
- Basis sold
- $9,548.50
- Realized gain
- $801.50
- Residual basis
- $6,048.00
HIFO · highest cost first
Educational lot-relief arithmetic only; no fees or different holding-period tax rates. Deferred gains are not necessarily eliminated. Asset, jurisdiction and specific-identification eligibility vary. No wash-sale determination (IRC §1091), broker-basis reconciliation or CPA-ready accuracy guarantee. A negative modeled tax does not establish a refund or usable deduction. Not tax advice.
Structure inputs
70 / 30 structure vs 100% bank baseline
- Senior principal
- $875,000.00
- Senior monthly P&I
- $6,100.84
- Seller monthly
- $0.00
- Total monthly
- $6,100.84
- Periodic payments, 60 mo (excludes balloon)
- $366,050.57
- Interest, 60 mo
- $287,171.83
- Senior balance, mo 60
- $796,121.26
- Seller balloon, mo 60
- $375,000.00
- Total debt, mo 60
- $1,171,121.26
- Equity, mo 60
- $296,378.74
70% senior + 30% seller-carry (0%)
- Principal
- $1,250,000.00
- Monthly P&I
- $8,715.49
- Payments, 60 mo
- $522,929.39
- Interest, 60 mo
- $410,245.48
- Balance, mo 60
- $1,137,316.09
- Equity, mo 60
- $330,183.91
100% bank hypothetical
- Refinance / payoff requirement (both debts)
- $1,171,121.26
- Refinance capacity at 70% LTV
- $1,027,250.00
- Refinance shortfall
- $143,871.26
Seller-carry is modeled at 0% interest with no periodic principal: the entire 30% balance falls due in month 60. Balances and equity are immediately before that balloon, after scheduled senior payments. Equity subtracts all remaining debt and is not cash to fund the balloon. Senior payments stop if amortization ends before month 60.
Both structures use identical bank-rate, amortization and property-value assumptions. 100% bank financing is hypothetical and not universally available. Refinance capacity assumes replacing both debts at the entered LTV; no approval or lender acceptability is guaranteed. No down payment, fees, taxes, insurance, operating costs or rental income are modeled.
Zero-interest seller financing may involve imputed-interest, subordination, documentation and legal/tax considerations requiring independent review. No conclusion about validity or eligibility is made. Hypothetical education, not investment, tax, lending or legal advice.
Money-model inputs
Gross margin and price targets
- Gross margin at current price
- 80%
- Ascension multiple
- 11x
- Modeled monthly NRR
- 135%
| Target gross margin | Price multiple of COGS | Required price |
|---|---|---|
| 70% · Comparison baseline | 3.33x | $66.67 |
| 80% · Service baseline | 5x | $100.00 |
| 90% · De-commoditized IP tier | 10x | $200.00 |
A gross margin of 80% or higher is a modeled benchmark, not a certification. Gross margin excludes acquisition, overhead, and all other operating costs.
Net revenue retention scenarios
NRR = (1 - churn) x (1 + upgrade rate x (ascension / base - 1)). Upgrades apply only to retained customers.
Expansion exceeds churn: modeled NRR >100%. This assumes no downgrades or other contraction and a single period starting entirely at the base tier; upgrades cannot be repeated indefinitely.
| Scenario label | Monthly churn | Modeled NRR |
|---|---|---|
| Day 30 milestone | 20% | 120% |
| Day 90 milestone | 10% | 135% |
| Day 180 milestone | 2% | 147% |
Prepay and bonus-stack cash coverage
- Cash collected, 30 days (12 mo prepay at 95% + bonus cash)
- $102.60
- Delivery cost (COGS x prepay months + bonus cost)
- $240.00
- Delivery cost + CAC
- $260.00
- Cash coverage ratio
- 0.39x
Bonus-stack cash means additional receipts actually collected for bonuses, measured against the actual cost of delivering them. It is not perceived or invented value. Prepay applies a fixed 5% incentive to the base price.
Below 1.0x: modeled first-30-day cash does not cover delivery costs plus CAC. Cash coverage is not profit or proof that scaling is self-funded; overhead, taxes, refunds and collection risk are excluded.
Same EBITDA, different businesses
- $20M revenue x 50% margin
- $10M EBITDA
- $100M revenue x 10% margin
- $10M EBITDA
Illustrative only; EBITDA excludes taxes, interest, depreciation and amortization. The 80 / 30 / 50 frame (80% gross margin, about 30% operating costs, about 50% modeled operating surplus at baseline) describes a modeled surplus, not guaranteed net income.
Attach scorecard to inquiry
Hypothetical education, not investment, tax, accounting or legal advice. No output certifies a business as S-tier.
04 · Written Research
The Arête Written Dispatch™
(Substack & Publisher’s-Exclusion Research Architecture)
Written first. Zero noise. Long-form analysis for disciplined operators who would rather read a model than watch a reaction. No social video, no hot takes, no calls.
Free public dispatches · Value-First Education
- I
Twenty years of operational discipline
Impersonal field notes on process, checklists and the habits that outlast any single market cycle.
- II
Expected-value fee-drag mathematics
How spreads, fees and friction quietly erode modeled edge — worked arithmetically, never as a signal.
- III
Credit-bureau reconciliation
A methodical approach to comparing three-bureau records and documenting discrepancies, as general education.
- IV
70 / 20 / 10 allocation principles
The reasoning behind core, asymmetric and tactical sleeves, with explicit assumptions stated.
Paid educational tiers · Illustrative model
- $3.99/ month
Field Notes
Monthly quantitative case study written as impersonal educational literature.
- $7.99/ month
Ledger
Adds HIFO / FIFO tax-lot modeling walkthroughs with hypothetical inputs.
- $9.99/ month
Interlock
Adds 4-Gate behavioral checklists and annotated decision-architecture essays.
Illustrative subscription model only. No checkout or paid activation is offered on this website. Availability, actual tiers and subscription preferences are managed independently on the official Substack publication.
Quantitative case studies, HIFO/FIFO modeling walkthroughs and 4-Gate behavioral checklists are impersonal educational literature. The publisher-exclusion-oriented architecture describes how the writing is structured; it is not a determination of legal eligibility for any exclusion. Nothing here is personalized investment, tax or legal advice.
Read the official Substack ↗Substack opens externally. An in-app research-access request receives a BHV-WA reference; optional dispatch consent is recorded separately and does not enroll you in Substack or start a paid subscription.
05 · 4-Gate Risk Interlock
Four gates. Each must close.
The interlock is a decision architecture we teach and model. It describes a method — it is not an implemented trading control and offers no protection against loss.
- Gate 01
Fee-Adjusted Edge Verification
The framework asks whether expected value remains positive after modeled spreads and fees. No live edge verification is performed.
- Gate 02
Multi-Source Data Corroboration
Independent statistical baselines are a prerequisite in the described method; no live sources are connected.
- Gate 03
Position-Size & Drawdown Containment
Fractional-Kelly sizing and zero-floor boundaries are mathematical modeling concepts, never guaranteed protection or enforced trading limits.
- Gate 04
Post-Decision Telemetry & Ledger Audit
Thesis logs and tax-lot/performance attribution describe the intended audit architecture, not an implemented ledger service.
06 · Partner Engagement
About Us & Partner Engagement
BHV Wealth Arête, LLC · Operating as Wealth Arête (Official Assumed Name / DBA)
Texas · National Capital Region · Greater Buffalo-Niagara
Qualified partner documentation
Formal corporate governance documents, applicable insurance certificates, and Statements of Work are provided to qualified partners upon request through the Inquiry Portal. Scope, availability, and engagement terms are confirmed before work begins.
Open Inquiry Portal →Instant Value-Equation Configurator
Explore pricing power, retention, and cash coverage on Day 1 without waiting for a quote. The simulator models a 5% Upfront Prepay Incentive and actual bonus receipts to evaluate 30-day cash collection against delivery costs and acquisition costs.
Results are immediate educational scenarios, not binding quotes or payment offers. Attach a scorecard to an inquiry to begin a scoped discussion.
Explore the configurator →Written Executive Dispatches
The Arête Written Dispatch connects quantitative case studies with Substack and written briefing syndication. Choose optional dispatch consent in the Inquiry Portal to request high-signal written industry briefings; consent is timestamped separately from your inquiry.
No automatic Substack enrollment or paid activation. Your briefing choice starts unchecked and is never required to contact us.
Explore written research →Spec-First Execution & 30 / 90 / 180-Day Continuity Milestones
- 30Day-30 commissioning — validate the agreed specification, assumptions, and acceptance criteria.
- 90Day-90 optimization — review measured usage, unit economics, and operational feedback.
- 180Month-6 long-term continuity — assess retention, documentation, and the next operating cycle.
Our engagement framework begins with a written specification and Statement of Work. Milestones are agreed for each engagement; they are not performance guarantees or forecasts of customer retention.
Regulatory posture
- Non-custodial: we hold no funds and execute no transactions.
- Impersonal and non-fiduciary: no personalized recommendations.
- Not a registered investment adviser, broker-dealer, futures commission merchant, or custodial exchange.
- No investment, tax, or legal advice is provided.
07 · Institutional Inquiry
Begin a precise conversation.
Licensing, research collaboration, curriculum, and partnership inquiries are recorded with a reference number and reviewed by the team.
BHV Wealth Arête, LLC · Operating as Wealth Arête (Official Assumed Name / DBA)Texas · National Capital Region · Greater Buffalo-Niagarainfo@wealtharete.com