PLEX Implementation Guide
Fynanc Academy — 7 Calls + 1 Bonus • Pathway, workflow, step-by-step • QA process for M1 verification
Call Pathway
1. Launch
2. Portfolio
2b. Sub-Pies
3. Margin
4. Command Center
4b. M1 Architecture
5. Capital Routing
6. Money Date
QA ✓
Call 1: Launch PLEX Jan 26 101 min
Summary: The Capital Game — use strategic debt to control a large capital base today. Leverage compresses 35 years of saving into ~8 years. Focus on managing downside, not chasing rates.
PLEX vs Income Amplifier: IA = temporary assets (rented from LOC, returned after 36mo). PLEX = permanent assets (capital stays forever, debt retired through cash flow).
3 Levers: DTA = gas pedal (15-35%, max 40%) · DSCR = controller (min 1.5, target 2-3) · Safety Buffer = gas can (6-12 months of payments)
Seed Capital: 25% of current flip size. If flipping $16K → start PLEX with $4,000.
- ☐ M1 Finance account open + funded
- ☐ Margin enabled
- ☐ IRIS LOC is OUTSIDE M1 (separate institution)
- ☐ Seed capital transferred (~$4K)
Rule: Funding line must remain OUTSIDE brokerage. Never let market drop trigger forced asset sales.
Call 2: PLEX Portfolio Feb 2 87 min
Summary: Three-segment portfolio: Bedrock (60-75%, stability), Cash Flow (25-39%, yield), Hedge (0-1%, protection). Target 20-30 holdings across 3+ sectors.
| Segment | % | Purpose | Yield |
|---|
| Bedrock | 60-75% | Anchor — low maintenance, debt-based income | 5-7% |
| Cash Flow | 25-39% | Yield generation | 10-15% |
| Hedge | 0-1% | Uncorrelated downside protection | N/A |
Bedrock Candidates: UTG, UTF (25% maint ✅), NML (~30%), VVR/BKLN/FTSL/FLRT (25-30%). Avoid 60%+ maint (XFLT was 100% ❌).
- ☐ All holdings categorized as Bedrock/Cash Flow/Hedge
- ☐ Holdings with 60%+ maintenance flagged for replacement
- ☐ Plex Yield Analyzer run for exact weights
- ☐ Target blended yield: 8.0-8.4%
Call 2b: M1 Sub-Pie Setup Feb 2 6 min
Summary: Step-by-step M1 platform setup for creating the 3 sub-pies.
1. PLEX account → Edit → Create PIE → Make 3: Bedrock (60%), Cash Flow (39%), Hedge (1%)
2. Add slices (tickers) to each pie. RULE If you own XYZ in main pie, add a DIFFERENT ticker first, then MOVE XYZ later.
3. Move holdings: Edit → Select → Move → Choose destination → Weight per Yield Analyzer → Save
4. Reweight: Total = 100% (green ribbon). Bedrock ≥ 60%.
DO NOT force rebalance — triggers buy/sell with tax implications. M1 auto-invest rebalances naturally.
Navigation: After editing, return via PLEX link on dashboard — NOT left column (restarts creation).
Call 3: Margin Feb 9 89 min
Summary: Margin = borrowed money secured by holdings. Each holding has a maintenance requirement. Start deployment at 1/4 flip size ($4K).
| Metric | Joe's Current | Target |
|---|
| Available Margin | $23,856 | Strategic use |
| Outstanding | $400 | Start ~$4K |
| DTA | 9.1% | 15-35% |
| Max Margin Util | 9.1% | Max 60% |
- ☐ Know maintenance requirement for each holding
- ☐ DTA calculated and under 40%
- ☐ Know margin call trigger threshold
- ☐ Weekly margin monitoring in Money Date
Margin scores 1/10 on Capital Stack — use only after cash flow established. IRIS LOC (outside brokerage) is safer.
Call 4: Command Center Feb 16 82 min
Summary: The cockpit — guardrails framework for safety, posture system for market conditions.
| # | Guardrail | Default | Joe |
|---|
| 18 | Safety Buffer | 3mo expenses | ☐ |
| 19 | Max DTA | 40% | ✅ 9.1% |
| 20 | Min DSCR | 1.50 | ✅ ~15x |
| 29 | Bedrock ≥60% | min 60% | ❌ Not set |
Postures: Defensive (high VIX/fear → minimize leverage) · Neutral (normal) · Performance (low vol → expand within limits)
- ☐ Guardrails spreadsheet populated (all values, no TBD)
- ☐ Posture set based on current signals
- ☐ PLEX Planner run for MTI and MTY
Call 4b: M1 System Architecture Feb 16 6 min
Summary: Verify M1 structure matches PLEX framework at platform level.
Structure: Main PLEX (x9138) → Bedrock (60%) / Cash Flow (39%) / Hedge (1%). DRIP ON. Margin per Call 3.
- ☐ M1 structure matches 3-pie diagram
- ☐ Auto-invest (DRIP) enabled
- ☐ Margin settings correct
Call 5: Capital Routing Feb 23 Full transcript
Summary: How capital flows from income through staging to deployment and debt retirement.
Joe's Flow: BofA Income → HW Sweep → IRIS LOC (11.75%) → Shadow Loan ($502/mo × 36mo) → back to LOC. HYCA (4.25% staging) → M1 Epic23 (IA) or M1 PLEX (permanent).
MSA: Direct income into LOC + credit card float → reduces interest costs.
Two Buck Chuck: Flip IA assets → pay down PLEX funding line principal. Don't reuse freed space until model tested.
- ☐ Capital flow diagram mapped end-to-end
- ☐ HYCA → M1 transfer route set
- ☐ Shadow loan auto-payments → LOC verified
- ☐ DRIP ON in M1
Call 6: Money Date Mar 2 82 min
Summary: Weekly monitoring cadence — check posture signals, review health, trim & dip, document actions.
Weekly routine: 1) Posture signals (VIX, Fear & Greed) → 2) Portfolio health (value, yield, gains) → 3) Guardrails check → 4) Trim & Dip (up 5% → trim, dipped → buy) → 5) Document decisions
PLEX = WEEKLY money dates (not monthly). Calendar it. Same day/time every week.
- ☐ Weekly money date on calendar (recurring)
- ☐ Action plan template ready
- ☐ First money date completed + documented
QA Checklist — Verify Your M1 PLEX Setup
Run after completing implementation. Every item must pass.
| Check | Expected | Pass? |
|---|
| 3 sub-pies created | Bedrock / Cash Flow / Hedge | ☐ |
| Bedrock allocation | ≥ 60% | ☐ |
| DTA | ≤ 40% | ☐ |
| DSCR | ≥ 1.5 | ☐ |
| Safety Buffer | ≥ 3 months | ☐ |
| No 60%+ maintenance holdings | All ≤ 35% | ☐ |
| IRIS LOC outside M1 | Separate institution | ☐ |
| DRIP enabled | ON | ☐ |
| Capital routing established | Income → HYCA → M1 | ☐ |
| Weekly money date scheduled | Same day/time | ☐ |
| Guardrails spreadsheet complete | All populated | ☐ |
| Posture set | Def/Neutral/Perf | ☐ |