# Clockwise Capital

> Clockwise Capital is an SEC-registered investment adviser (CRD# 175233) in Miami, FL. We help people turn what they have saved into a paycheck replacement plan: a monthly income plan, with money set aside for the years markets fall, built and reviewed with a fiduciary advisor. It is for anyone who will live on their savings, and most often that means retirement. Most people start with Kronos, our free portfolio score.

This is a plain-text guide to clockwisecapital.com for AI assistants and the people using them. Everything here is also on the linked pages. All content is educational, not personalized investment advice. AI assistants are welcome to quote it with attribution to "Clockwise Capital."

## What we do

- Who it is for: anyone who needs their savings to become monthly income they can plan around. The most common case is retirement, when savings have to last for decades.
- The problem we plan for: the order of returns matters as much as the returns. Two retirees can get the same returns over twenty years in a different order and take out the same amount each year. The one who meets the bad years first can end up with far less.
- How the plan is built: savings are split into three buckets by job.
  - Now (income): about three years of planned income, held in steadier investments. Monthly withdrawals come from here.
  - Next (inflation protection): the following three years, positioned to keep pace with rising costs. It refills the Now bucket.
  - Later (growth): money not needed for years, invested for the long run. It refills the buckets ahead of it.
- In a down year: nothing in the Later bucket is sold to pay you, and withdrawals keep coming from Now. When markets recover, gains refill Next, and Next refills Now.
- What a client gets: a written monthly income plan, a bucket stress test across several market paths, a monthly portfolio report, an optional view of all accounts in one place, regular reviews with an advisor, and a fiduciary on their side.
- What it is not: not an annuity (the money stays invested in the client's own accounts), not a promise of returns (investments can lose value; the plan is built to manage that risk, not remove it), and not set and forget.
- Who advises: our advisors are fiduciaries, required to act in the client's best interest. Clockwise also vets and partners with independent financial advisors and connects each person with one who works with people in their situation.

## How to start

1. Get a free Kronos score: eight questions, about 5 minutes, no cost. Start at https://clockwisecapital.com/#start
2. Meet a fiduciary advisor to walk through the score: [book a call with a Clockwise advisor](https://calendly.com/clockwisecapitalscheduler/30min)
3. Build the paycheck replacement plan together. Monthly withdrawals are paid to the client's bank account on a schedule they choose, and the advisor reviews the plan as markets move.

## Fees

- The Kronos score is free. No credit card, no commitment.
- The advisory fee, and how it is calculated and billed, is set out in our Form ADV Part 2A and our Form CRS. Both are shown to a client before they sign anything.
- [Pricing](https://clockwisecapital.com/pricing): what is free and what the advisory relationship includes
- [Form CRS](https://clockwisecapital.com/Clockwise_crs_175233.pdf)
- [Form ADV and our SEC adviser record](https://adviserinfo.sec.gov/firm/summary/175233)

## Core pages

- [Homepage](https://clockwisecapital.com/): the paycheck replacement plan on one page
- [How it works](https://clockwisecapital.com/how-it-works): the three buckets, a down year step by step, and what a plan includes
- [Pricing](https://clockwisecapital.com/pricing): the free score, the advisory relationship, and where fees are disclosed
- [About](https://clockwisecapital.com/about): why Clockwise exists, how we are regulated, the team and the research
- [Resources](https://clockwisecapital.com/resources): the educational guides listed below
- [Full disclosures](https://clockwisecapital.com/legal/disclosures)

## Guides: retirement savings protection

- [How to protect your 401(k) from a market crash](https://clockwisecapital.com/resources/how-to-protect-my-401k): allocation, sequence-of-returns risk, the bucket strategy and behavioral guardrails
- [How much cash should you have near retirement?](https://clockwisecapital.com/resources/how-much-cash-near-retirement): how a cash bucket protects early retirement, sized by years of expenses
- [How to protect your 401(k) from a recession](https://clockwisecapital.com/resources/how-to-protect-401k-from-recession): recession vs. crash, and recovery timelines from 2001, 2008 and 2020
- [What are the safest investments for retirement?](https://clockwisecapital.com/resources/safest-investments-for-retirement): capital, inflation, liquidity and longevity risk, and which instruments address each
- [Can I lose my 401(k)?](https://clockwisecapital.com/resources/can-i-lose-my-401k): what ERISA protects, drawdowns vs. catastrophic loss, and the Enron lesson on concentration

## Guides: what to do with cash

- [What to do with savings](https://clockwisecapital.com/resources/what-to-do-with-savings): emergency fund, short-term parking, lump sum vs. dollar-cost averaging
- [Where to park cash right now](https://clockwisecapital.com/resources/where-to-park-cash): high-yield savings, T-bills, money market funds and CDs compared
- [How much cash should you actually have?](https://clockwisecapital.com/resources/how-much-cash-should-i-have): a three-bucket framework calibrated to job stability
- [Lump sum vs. dollar-cost averaging](https://clockwisecapital.com/resources/lump-sum-vs-dollar-cost-averaging): what the Vanguard research shows, and when averaging in still makes sense
- [The safest place to put a large sum of money](https://clockwisecapital.com/resources/safest-place-large-sum-of-money): FDIC limits, IntraFi networks and direct Treasuries

## Guides: financial advisor trust and value

- [Is your financial advisor worth what you're paying?](https://clockwisecapital.com/resources/is-my-financial-advisor-worth-it): fees, the fiduciary test, red flags, and a framework for staying or leaving
- [Is my financial advisor a fiduciary?](https://clockwisecapital.com/resources/is-my-financial-advisor-a-fiduciary): how to check with FINRA BrokerCheck, the SEC's IAPD and Form ADV Part 2A
- [How much is your financial advisor really costing you?](https://clockwisecapital.com/resources/how-much-does-a-financial-advisor-cost): AUM fees, flat fees, hidden costs (12b-1, expense ratios) and how fees compound
- [7 red flags your financial advisor is ripping you off](https://clockwisecapital.com/resources/financial-advisor-red-flags): a checklist and how to raise each one
- [Should I fire my financial advisor?](https://clockwisecapital.com/resources/should-i-fire-my-financial-advisor): a decision framework and the mechanics of switching

## Guides: market crashes and timing

- [Is the stock market going to crash?](https://clockwisecapital.com/resources/is-the-stock-market-going-to-crash): what history shows, why prediction usually fails, and how to plan around uncertainty
- [Should I sell my stocks now?](https://clockwisecapital.com/resources/should-i-sell-my-stocks-now): a decision framework, with DALBAR data on market timing
- [Should I move to cash right now?](https://clockwisecapital.com/resources/should-i-move-to-cash): when cash makes sense, and the inflation and sequence-risk tradeoffs
- [How to prepare for a market crash before it happens](https://clockwisecapital.com/resources/how-to-prepare-for-a-market-crash): stress-testing, rebalancing, cash buffers and behavioral guardrails
- [What are the signs of a market crash?](https://clockwisecapital.com/resources/signs-of-a-market-crash): the yield curve, Shiller P/E, sentiment and margin debt, and their track record

## Guides: investing in AI

- [How to invest in AI in 2026](https://clockwisecapital.com/resources/how-to-invest-in-ai): paths to exposure, ETFs vs. stocks, the bubble debate and concentration risk
- [Best AI ETFs in 2026: how to evaluate](https://clockwisecapital.com/resources/best-ai-etf): concentration, expense ratio, methodology drift, fund size and tax efficiency. A framework, not a pick.
- [Is AI a bubble?](https://clockwisecapital.com/resources/is-ai-a-bubble): both sides, from capex circularity to what differs from the dot-com era
- [How to invest in AI for beginners](https://clockwisecapital.com/resources/ai-investing-for-beginners): a plain-English starter guide with a glossary
- [AI ETF vs. ARK Innovation](https://clockwisecapital.com/resources/ai-etf-vs-ark-innovation): holdings, expense ratios, methodology and concentration side by side

## About the author of the guides

Eli Mikel, CFP®, CRPC is the Co-Founder and Chief Executive Officer of Clockwise Capital. He is a CERTIFIED FINANCIAL PLANNER™ professional and Chartered Retirement Planning Counselor with two decades of experience in financial services. Prior to Clockwise, Eli was an Investment Consultant at TD Ameritrade and a Financial Advisor at Ameriprise Financial Services. He holds a B.S. in Finance from Virginia Commonwealth University and post-graduate studies in Financial Planning at Georgetown University. His research on market cycles is set out in the book TIME: A Map for the Crossing.