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PremiumGuardHQ

The complete tool suite for wheel traders. Whether you sell cash-secured puts, write covered calls, or run the full wheel, PremiumGuardHQ auto-detects every cycle and shows your real premium yield, capital at risk, and the income that is safe to take.

PremiumGuardHQ is the analytics platform for self-directed investors running the options wheel strategy. Connect a broker or import a CSV, and it detects every covered call and cash-secured put cycle from your trade data. No manual tagging, no spreadsheet formulas that break the day a position assigns.

The core problem it solves: the numbers on your broker screen are not your real numbers. Cost basis gets adjusted through assignments and premiums received, so most wheel traders cannot say what they actually earned. PremiumGuardHQ reconciles cost basis through every assignment and separates Premium P/L, Equity P/L, and Net P/L per cycle, with the full methodology published on the site.

The suite is five screens:

  • Wheel tracker: every open wheel with live prices, real cost basis, and the adjusted breakeven that sets your next covered-call strike.
  • Safe Withdrawal Engine: how much income you can pay yourself, sourced from closed-cycle profit and floored at a target equity level, so withdrawals never erode the capital that generates the income.
  • Automated insights: each account is checked overnight and after every sync. Earnings inside your expiration week, a short put drifting near the money, concentration past your cap, fills slipping from the strategy you declared: flagged with the numbers behind it. It never tells you what to trade.
  • Review book: every closed wheel written up on sync, from a per-ticker scorecard down to the legs of a single cycle.
  • Portfolio analytics: capital at risk by position, concentration against your declared cap, and premium yield against the capital that earned it.

Broker sync is read-only so PremiumGuardHQ can never place trades. The Free plan is free forever, no credit card: broker auto-sync, open positions, live quotes, and your last 20 closed cycles. Pro adds unlimited history, withdrawal recommendations, insights, and the scorecard, with a 14-day free trial.

A startup from Doylestown, the United States that is founded by Michael O'Donnell.

(0 reviews)
Pricing:
Platforms:
  • Stripe
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PremiumGuardHQ

PremiumGuardHQ Reviews and Details

This page is designed to help you find out whether PremiumGuardHQ is good and if it is the right choice for you.

#Options Trading #Investing #Finance #Trading #Options #Fintech #Web App #Personal Finance #Stocks

Screenshots and images

  • PremiumGuardHQ Wheel Tracker Open Cycles
    Wheel Tracker Open Cycles //
    2026-07-24
  • PremiumGuardHQ Open Cycle Ticker Detail
    Open Cycle Ticker Detail //
    2026-07-24
  • PremiumGuardHQ Automated Insights
    Automated Insights //
    2026-07-24
  • PremiumGuardHQ Stock Scorecard
    Stock Scorecard //
    2026-07-24
  • PremiumGuardHQ Closed Cycle Analysis
    Closed Cycle Analysis //
    2026-07-24
  • PremiumGuardHQ Closed Cycle Ticker Review
    Closed Cycle Ticker Review //
    2026-07-24
  • PremiumGuardHQ Wheel Portfolio Analytics
    Wheel Portfolio Analytics //
    2026-07-24
  • PremiumGuardHQ Safe Income Withdraw Recommendations
    Safe Income Withdraw Recommendations //
    2026-07-24

Features & Specs

  1. Automatic cycle detection

    Rebuilds full trading history into wheel, standalone, and zero-duration cycles from raw broker fills. No manual tagging or trade entry

  2. 14-event trade classification

    Every broker row is mapped to one of 14 trade events, with same-day ordering rules so assignments always process before sells.

  3. Adjusted cost basis engine

    Weighted-average cost, put-assignment cost, and call-exercise cost tracked through every assignment and premium collected.

  4. Per-cycle P/L accounting

    Premium P/L, Equity P/L, and Net P/L computed for every cycle, each traceable to the underlying fills.

  5. Cycle ledger

    Drill into any cycle and see every leg that built it.

  6. Full-history backfill

    Import years of history and the engine reconstructs every cycle; recalculation on demand.

  7. Precision arithmetic

    All money math runs on decimal arithmetic, never floating point, so P/L doesn't drift across thousands of trades.

  8. Safe Withdrawal Engine

    Computes what you can withdraw from realized closed-cycle profit against your own target equity level, using three-scenario gap logic.

  9. Withdrawal logging

    Record actual withdrawals per account with dates and notes.

  10. Capital at risk

    Peak true dollar exposure per position and per cycle, including assigned shares and pending obligations, not just margin.

  11. Capital composition

    Open capital split across open cycle equity, unresolved sold options, and standalone options.

  12. Deep-dive dashboard metrics

    Win rate, premium yield, net P&L, capital deployed, capital efficiency, average win, average days in cycle, equity drag, and max realized drawdown.

  13. Time-range filtering

    Dashboards and ledgers filterable by period.

  14. Stock scorecard

    Every ticker ranked by net P&L with cycle count, win rate, premium/equity split, top and bottom tiers, and active insight flags inline.

  15. 18-rule insights engine

    Three rule families: open risk, track record, and strategy conformance. Every rule documented on the public methodology page.

  16. Overnight and post-sync runs

    Every account is re-read nightly and after each sync.

  17. Earnings awareness

    Flags earnings dates landing inside an expiration week.

  18. Strategy profiles

    Declare your target annual return, concentration cap, strikes-OTM range, and DTE limits; the engine measures your fills against them and reports drift.

  19. Insight lifecycle

    Severity levels, acknowledge one or all, automatic aging and dedupe so stale flags don't pile up.

  20. Read-only broker auto-sync

    Schwab (OAuth), Interactive Brokers (Flex token), Robinhood and Fidelity (SnapTrade). Nightly sync, read-only by construction; no code path can place a trade.

  21. CSV import with format auto-detection

    Drop a broker export; the format is detected, trades classified, and duplicates skipped on re-import. Import preview and batch history included.

  22. Broker-to-account linking

    Connect a broker to an account that started as CSV without losing its history

  23. Multi-account, multi-broker

    Multiple accounts normalized into one dashboard with account switching

  24. Transfer reconciliation

    Classify deposits, withdrawals, and transfers (including splitting mixed events) so equity P/L is never confused with cash flows.

  25. Live stock quotes

    Fresh quotes on every page load, with open positions marked to market.

  26. Guided setup wizard

    Connect a broker or CSV, classify transfers, and declare your strategy in one onboarding flow.

  27. Trade ledger

    Every raw trade with server-side symbol, action, and date filtering.

  28. In-app help center

    Step-by-step product guides with screenshots.

  29. In-app feedback widget

    Report issues or suggestions from any screen.

  30. Self-serve billing

    Free plan forever, 14-day Pro trial with no card, Stripe-managed upgrade and cancellation, and account deletion with a grace window.

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Questions & Answers

As answered by people managing PremiumGuardHQ.

  1. What makes PremiumGuardHQ unique?

    PremiumGuardHQ is built specifically for the wheel options strategy, not generic trade journaling. Connect your brokerage account and it automatically detects complete wheel cycles from your actual fills (cash-secured put, assignment, covered calls, called away) with no manual tagging or trade-by-trade data entry. It then reconciles cost basis, separates premium P&L from equity P&L, and computes how much income you can safely withdraw without eroding your capital base. That last question is the one no journal or spreadsheet answers.

  2. Why should a person choose PremiumGuardHQ over its competitors?

    Most alternatives are journals: you type in or tag every trade yourself, and the analysis breaks the moment you fall behind. PremiumGuardHQ syncs directly with your broker so your books stay current whether you remember to update them or not. It also answers questions that matter specifically to wheel traders: real premium yield, equity P&L net of assignments, capital at risk by position, and a safe withdrawal number. After every sync your whole account is reviewed, and risk, strategy drift, and track-record patterns surface as graded insights. There is a free plan, and Pro comes with a 14-day trial with no credit card required.

  3. How would you describe the primary audience of PremiumGuardHQ?

    Self-directed options traders running the wheel strategy who treat premiums as a real income source, ranging from people supplementing a salary to people funding their lifestyle from their portfolio. They typically trade at Schwab, Interactive Brokers, Robinhood, or Fidelity, and they care about two questions: am I actually making money after assignments, and how much can I withdraw without shrinking my base.

  4. What's the story behind PremiumGuardHQ?

    Founder Michael O'Donnell is a lifelong entrepreneur who sold his previous company, Cave Tools (barbecue tools e-commerce), in 2021 and began trading the wheel with his own capital. He was originally taught to withdraw premiums immediately as income. That worked until a downturn assigned him stock below cost basis and he realized he was quietly eroding his equity base, while broker cost-basis adjustments made the displayed numbers untrustworthy. He built an internal tool to answer three questions: what's my real premium yield, what's my equity P&L net of assignments, and how much is safely withdrawable. Conversations with other wheel traders surfaced the same gap, so the internal tool became PremiumGuardHQ.

  5. Which are the primary technologies used for building PremiumGuardHQ?

    The application is built with Next.js, React, and TypeScript, running on Vercel, with Supabase (Postgres) as the data layer and Stripe for billing. Brokerage data flows in through official broker API integrations and the SnapTrade connectivity platform, alongside CSV import. The marketing website is built with Astro.

  6. Who are some of the biggest customers of PremiumGuardHQ?

    PremiumGuardHQ serves individual investors rather than companies, so there are no enterprise logos to share, and customer identities stay private. The user base is self-directed wheel traders at mainstream brokerages

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  • Public traffic stats of PremiumGuardHQ

    Check the traffic stats of PremiumGuardHQ on SimilarWeb. The key metrics to look for are: monthly visits, average visit duration, pages per visit, and traffic by country. Moreoever, check the traffic sources. For example "Direct" traffic is a good sign.

  • Domain Rating (DR)

    Check the "Domain Rating" of PremiumGuardHQ on Ahrefs. The domain rating is a measure of the strength of a website's backlink profile on a scale from 0 to 100. It shows the strength of PremiumGuardHQ's backlink profile compared to the other websites. In most cases a domain rating of 60+ is considered good and 70+ is considered very good.

  • Domain Authority (DA)

    Check the "Domain Authority" of PremiumGuardHQ on MOZ. A website's domain authority (DA) is a search engine ranking score that predicts how well a website will rank on search engine result pages (SERPs). It is based on a 100-point logarithmic scale, with higher scores corresponding to a greater likelihood of ranking. This is another useful metric to check if a website is good.

  • Public opinion on Reddit

    The latest comments about PremiumGuardHQ on Reddit. This can help you find out how popualr the product is and what people think about it.

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Is PremiumGuardHQ good? This is an informative page that will help you find out. Moreover, you can review and discuss PremiumGuardHQ here. The primary details have been verified within the last quarter. So they could be considered up to date. If you think we are missing something, please use the means on this page to comment or suggest changes. All reviews and comments are highly encouranged and appreciated as they help everyone in the community to make an informed choice. Please always be kind and objective when evaluating a product and sharing your opinion.

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