I'm a CPA. I follow the money and tell people what I find.
Over the past several months I've published ten research documents on our Research page. They cover the federal balance sheet, forty years of failed fiscal projections, escalating bailout mechanics, the machine economy, Bitcoin ETF architecture, structured notes forensics, valuation model convergence, and 230 years of American monetary redesign.
They were written independently. Different methodologies. Different time horizons. Different source material.
They all point in the same direction.
The short version
The federal government's real obligations exceed the headline number by roughly $64 trillion. The Congressional Budget Office has been wrong in the same direction for forty consecutive years. The bailout pattern is accelerating: $3.6 billion in 1998, $700 billion in 2008, $5 trillion in 2020. AI agents are entering the economy as autonomous spenders in ways that will distort every metric we use to measure economic health. And Wall Street has quietly built a $530 million structured notes architecture around Bitcoin with barrier defenses clustered at exactly the price zone my models independently identified.
Seven valuation models built by different researchers using different methods are converging on the same signal at the same time.
That is not a coincidence. That is a diagnosis.
What the research page documents
The Pressure Valve Series (Parts I through IV) is where to start. Four documents, meant to be read in order. They walk through what a CPA sees when they apply audit-standard analysis to the sovereign balance sheet, the fiscal projection model, the bailout escalation pattern, and the emerging distortion from autonomous AI economic agents.
Below the series are six additional research documents covering market structure and macro history. The Convergence of Valuation Models document shows seven independent frameworks producing the same reading. The Coiled Spring and the structured notes analyses document the specific mechanics of how ETF demand is being absorbed and where the price floors are engineered. The Man from Appleton traces the monetary architecture from Bretton Woods to today. The machine economy paper documents the active buildout for AI-driven commerce and what it means for digital monetary infrastructure.
Every claim is sourced. Public filings. Federal data. Named issuers. Specific dollar amounts.
I did not build this body of work to sell you something. I built it because I kept finding the same answer from different directions, and that is the kind of signal I was trained to take seriously.
What this means for you
The pressure in the system is real. It exists whether you look at it or not. It will resolve one way or another. The question is whether you have a plan that accounts for it.
Most financial plans are built for growth. They assume the rules stay the same, access stays open, and the metrics stay reliable. The research on that page is a detailed case that those assumptions are being tested right now.
What to do next
If any of this changes how you see your financial position, the next step is a Financial Resilience Review.
It is a structured conversation about what the pressure in the system means for your specific situation. Where you are exposed. What adjustments make sense. What questions you should be asking that you probably are not.
No sales pitch. No product push. Just a CPA who has spent twenty years reading the fine print, showing you what he found and helping you think through what to do about it.
Start with the research. Then let's talk.
Schedule a Financial Resilience Review →
Tim Wilson, CPA, Series 65 · Wilson Financial · Appleton, WI
This is educational information, not individualized financial, tax, or investment advice.