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Greetings!
I have designed this newsletter to bring you timely information from the world of finance and investing. Visit our X, FaceBook and Linkedin pages for additional articles and links to educational and thought provoking content from some of the best sources on the web.
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Moats vs. Inertia: Unpacking the Personal AI Agent Threat
The AI agent catalyst. Meta's September launch of Muse, a personal artificial intelligence (AI) agent designed to act on a user's behalf across digital workflows, crystallized the market's latest disruption narrative.
Moats versus friction. If AI can make consumer switching easier, which business models are truly protected by moats and which are merely monetizing friction?
Where disruption risk lies. While we are skeptical that AI agents will disrupt businesses whose moats were earned through differentiated products, services, or brands, we do see potential disruption risk for businesses that largely benefit from consumer inertia, like forgetting to cancel subscriptions or not wanting to spend time on price comparisons.
| AI-Powered Stock Screeners | |
Here you can find the highest-rated options that provide meaningful AI screening/ranking without requiring payment. Our picks prioritize back tested performance (e.g., historical outperformance) and ease of access/use (intuitive interfaces, and no signup barriers where possible).
AInvest AI Stock Screener
Performance: Strong for thematic/momentum screening; uses AI for pattern recognition, predictive insights, and real-time event analysis (e.g., earnings reactions). Highly rated for data-driven signals in volatile markets.
Ease of Use/Access: Completely free with no signup required for basic screening; advanced filters, thematic AI screeners (e.g., growth, robotics), and predictive tools. Clean, mobile-friendly interface.
Best for swing/momentum traders seeking quick, AI-curated ideas.
Incite AI
Performance: Adaptive AI analyzes trends, fundamentals, and predictions; praised for evolving models and accurate insights in reviews. Full suite free, with strong user-reported edges in stock queries.
Ease of Use/Access: 100% free (no tiers); chat-based interface like an AI advisor—ask natural language questions for stock analysis/screening. Extremely beginner friendly. Best for all levels needing personalized AI recommendations.
WallStreetZen Zen Ratings
Performance: AI neural network trained on 20+ years data; part of 115-factor model historically spotting high-upside stocks. Free access to core AI rankings.
Ease of Use/Access: Free stock screener with AI-integrated ratings (A-F grades); simple filters and research tools. No paywall for basic AI scores/screening.
Best for fundamental/long-term investors.
Intellectia AI intellectia.ai
Performance: AI-driven picks for day/swing trading; features pre-market top picks and momentum forecasting. Standout in 2025 reviews for versatility across stocks/ETFs/crypto.
Ease of Use/Access: Free tier includes core screening and AI signals; intuitive for traders with real-time focus.
Best for active traders wanting daily AI-curated lists.
TradingView Community AI Indicators
Performance: Free user-built AI/ML indicators (e.g., SuperTrend AI Clustering, Machine Learning Lorenzian) with strong community back tests; adapts to markets dynamically. Ease of Use/Access: Basic account free; powerful screener + add free AI scripts easily. Highly accessible with global data. Best for technical traders combining AI with custom screening.
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Click On The RightCapital Logo Above To Take You To Our Websites Client Center.
Tollerene Investment Management clients have access to one of the leading financial planning software tools in the industry. Combining all your financial data in one place is the starting point for higher quality financial decisions. A single view enables holistic decision making. No more making piecemeal or siloed decisions.
RightCapital's client portal offers an interactive financial planning tool accessible from any computer or smartphone. Through Tollerene Investment Management's RightCapital portal, our clients can access their personalized financial plans, granting them customizable access to individual planning modules. Additionally, they can utilize features such as the vault area, tasks area, RightPay billing details, and security settings for comprehensive financial management.
Your personal RightCapital dashboard has all the key elements for a financial overview. Review your balance sheet, check in on your portfolio, or measure progress on your goals. For instance, take a look at your financial plan's probability of success. Once your profile is complete, you can enjoy a 40,000-foot view of your financial status, and access other important communication tools built within RightCapital.
Stay On Top
Of Your Financial Life With RightCapital
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"We will continue to ignore political and economic forecasts, which are an expensive distraction for many investors and businessmen. Thirty years ago, no one could have foreseen the huge expansion of the Vietnam War, wage and price controls, two oil shocks, the resignation of a president, the dissolution of the Soviet Union, a one-day drop in the Dow of 508 points (-22.6% in 1987), or treasury bill yields fluctuating between 2.8% and 17.4%. But, surprise – none of these blockbuster events made the slightest dent in Ben Graham’s investment principles. Nor did they render unsound the negotiated purchases of fine businesses at sensible prices. Imagine the cost to us, then, if we had let a fear of unknowns cause us to defer or alter the deployment of capital. Indeed, we have usually made our best purchases when apprehensions about some macro event were at a peak. Fear is the foe of the faddist, but the friend of the fundamentalist.”
Warren E. Buffett, 1994 Berkshire Hathaway Shareholder Letter
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Click On The Image Above To Take You To Our Websites Home Page.
Get a fresh look at how Tollerene Investment Management can help you achieve your financial goals!
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Investor Education Center
The Big Picture
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Click On The Image Above To Take You To Our New Websites Client Center.
Over the past 96-plus years, an investment in U.S. stocks has grown over 12,000-fold despite 16 recessions, double-digit interest rates, and several world crises. Stocks have fallen by over 20 percent on eight occasions since 1926. Following each downturn, they have recovered and gone on to reach new highs.
Equities have outperformed other asset classes, but at commensurately high risk. When stocks have fallen, a balanced portfolio has always fallen less. Inflation: A constant risk - One dollar today is worth only a fraction of what it was in 1926. Domestic equities have outgrown inflation by a factor of 789.
Click on the image above to go to our new website and get a closer look!
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Which is worse, buying at the top or selling at the bottom? For me the answer is easy: the latter. If you buy at what later turns out to have been a market top, you’ll suffer a downward fluctuation. But that isn’t cause for concern if the long-term thesis remains intact. And, anyway, the next top is usually higher than the last top, meaning you’re likely to be ahead eventually. But if you sell at a market bottom, you render that downward fluctuation permanent, and, even more importantly, you get off the escalator of a rising economy and rising markets that has made so many long-term investors rich. This is why I describe selling at the bottom as the cardinal sin in investing.
Howard Marks Oaktree 2023 Memo
| Changing Jobs or Retiring? What To Do With Your 401(k) |
One of the most common questions investors face is once they retire or change jobs, should they leave their money in their company's 401(k) or roll it into an IRA?
The answer depends on your particular circumstances, and the characteristics of your 401(k) plan. For example, two factors that can influence your decision to stay or go are your age and how soon you'll dip into your 401(k) for living expenses or other needs.
One option is to roll over your 401(k) balance into an IRA. What are the potential advantages for rolling over your assets into an individual IRA account?
For one thing, if you stay in your 401(k), you're limited to the investment choices within your plan. That may not be so bad if your 401(k) has a broad menu of decent investments that are reasonably priced. But by rolling your savings into an IRA at a mutual fund or brokerage firm, you give yourself access to thousands of different mutual funds, ETFs and other investments.
By expanding the roster of funds available to you, you may have a better shot at finding low-cost funds. With an IRA rollover you'll likely be able to pick and choose from more index funds and more target-date retirement funds than your 401(k) presently offers. Or you can do all three.
Another thing you want to consider is how much flexibility you would have for drawing money if you remain in your 401(k). Can you set up a systematic withdraw plan or do you have to put in a separate request each time you need cash? Can you designate which funds draws will come from, or does the plan administrator pro rate the withdrawal amount across your holdings? Does your 401(k) allow for lifetime annuity payments? If so, are the payments competitive with what you can get outside the plan?
With an IRA rollover, you'll probably find you'll have more maneuvering room. You can pull money out as needed. You can ask the investment firm handing the IRA to pay you a specific amount or a specific percentage of your account value each month. You can use some of your assets to purchase an immediate annuity that will turn that portion of your savings into guaranteed lifetime income.
So before you make a decision, take some time to think about such issues as when you'll need access to your money, how much flexibility you'll have getting to it in your 401(k) vs. an IRA rollover and, of course, how much you'll pay in expenses staying in your plan vs. doing a rollover.
*Fixed annuities are long-term investment vehicles designed for retirement purposes. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax, and surrender charges may apply.
*This article was prepared for the representative's use.
| Technical Analysis - Helping You Chart Your Path. | |
Technical Analysis is the forecasting of future financial price movements based on an examination of past price movements. Like weather forecasting, technical analysis does not result in absolute predictions about the future. Instead, technical analysis can help investors anticipate what is "likely" to happen to prices over time. Technical analysis uses a wide variety of charts that show price over time.
One particular type of chart is a Point and Figure chart. A Point and Figure chart is a study of pure price movement in that time is not taken into consideration while plotting the price action. Since only price changes are recorded, if no price change occurs then the chart is left untouched. Point & Figure charts use rising columns of X's and descending columns of O's to represent these price movements. What an investor sees when looking at a Point and Figure chart is the underlying supply and demand of the security. The columns of X's illustrate demand exceeding supply (price increases), and the columns of O's illustrate supply exceeding demand (price declines).
The New York Stock Exchange Bullish Percent Index invented by the market technicians at Chartcraft in 1955 is a popular market breadth indicator that is calculated by dividing the number of each of the 2800+ stocks on the NYSE that are currently trading on point and figure buy signals by the total number of stocks on the NYSE. For example, if 2000 stocks signal buy and 800 signal sell, the value of the NYSE Bullish Percent Index is 72. The value of the index represents the percentage of stocks listed on the NYSE that signal a buy. Since it incorporates every NYSE listed company, it is easy to see how useful this index can be.
Bullish Percent levels that are above 70% are considered overbought, whereas levels below 30% are considered oversold. Strong buy signals occur when the Bullish Percent Index falls below 30% and then reverses up by at least 6%. Conversely, notable sell signals occur when it goes above 70%, and then reverses down by at least 6%. As of October 20, 2026 the current reading of the NYSEBP is 40.99% and can be seen graphically here.
| Tollerene Investment Management on X |
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FinTwit stands for Financial Twitter, it is the part of the X/Twitter microblogging community that tweets about finance and stock markets, but amidst all the hoopla it can get mighty difficult to weed out the noise and focus on the opinions that are most relevant to you.
Here you can find some of the tweets of analysts, economists, technicians, fund managers, investment pundits and writers we think may really be worth following.
Discover insights from investment fund managers like Tom Lee/Managing Partner and the Head of Research at Fundstrat Global Advisors, Leon Cooperman/Chairman and CEO of Omega Advisors , Mario Gabelli/Chairman and Chief Executive Officer of GAMCO Investors, Inc., Mohamed El-erian/Chief Economic Adviser at Allianz, the corporate parent of PIMCO, Howard Marks/Co-founder and Co-Chairman of Oaktree Capital Management and many more.
In addition you can find links to archived copies of Tollerene Investment Management's Weekly E-Letter. Click on the logo to take you to our X/Twitter feed.
| Stock and Mutual Fund Screeners | |
Create your own customized stock or mutual fund screens or check out some of our pre-defined screens such as:
Solid Stocks Solid Companies
These screeners focus on steady performers, often using filters like low beta, consistent EPS growth, and low volatility for resilience across market conditions.
TradingView Stock Screener - Highly rated free tool; use filters like low beta (<1) and EPS growth past 5 years (>10%) for steady performers.
Stock Rover Screener is highly rated by Investopedia as the best for buy-and-hold strategies, making it ideal for usefulness and long-term portfolio performance. Pre-built for buy-and-hold steady stocks, filter for consistent growth and low risk. Sign up for a free account.
S&P 500 Dogs
Focus on high dividend yields in large-cap S&P 500 stocks signaling potential turnarounds.
Zacks Stock Screener - Use predefined basic screens or custom filters for S&P 500 index and high dividend yield (>4%); rated best free option by Investopedia.
Dividend.com Dividend Stock Screener - Filter for S&P 500 high-yield stocks; excellent for turnaround signals with strong portfolio performance history.
High Quality High Dividends
Screen for high-quality stocks with strong dividends, often including dividend growth and quality metrics.
Morningstar Stock Screener - Use for high dividend yield with quality ratings; top-rated for in-depth analysis and long-term performance.
Yahoo Finance High Dividend Yield Screener - Pre-built for high yields; filter for quality via low payout ratios; highly useful for tax break strategies.
Small Cap Value
Yahoo Finance Small Cap Gainers Screener - Pre-built for small caps; add value filters like low P/B; rated well for accessibility and performance tracking.
Finviz Stock Screener - Filter for small cap ($300M-$2B) and value metrics (low P/B, P/S); versatile and highly rated for swing/value strategies.
Large Cap Growth
Yahoo Finance Undervalued Large Caps Screener - Pre-built for large caps; add growth filters like EPS growth; strong for portfolio performance.
Finviz Stock Screener - Filter for large cap ($10B-$200B) and growth (high EPS next 5 years)
High Net Assets Equity Funds
Morningstar Fund Screener - Filter for equity category, high net assets (>1B), and top returns (e.g., > threshold over 1/3/5 years).
CNBC Mutual Fund Screener - Predefined "High Net Assets - Equity Funds" screen for top performers with large assets; useful for multi-period analysis.
High Net Assets Fixed Income Funds
Morningstar Fund Screener - Filter for fixed income style, high net assets (>1B), and returns over periods; top-rated for fixed income insights.
Yahoo Finance High-Yield Bonds Screener - Pre-built for high-yield fixed income; add assets filter; strong for performance.
Foreign Equity Performers
Morningstar Fund Screener - Filter for international equity categories and top returns over 1/3/5 years; includes medalist ratings for performance.
Yahoo Finance Conservative Foreign Funds Screener - Pre-built for foreign funds; focus on top performers.
Low Turnover Top Performing Equity Funds
Equity funds with 1-5% turnover and >12% returns last 2 years.
CNBC Mutual Fund Screener - Predefined "Low Turnover Top Performing Equity Funds" screen matching criteria; highly useful for low-cost, high-performance portfolios.
Morningstar Fund Screener - Approximate with equity filters and returns >12%; no direct turnover, but top-rated overall.
Steady Performers
CNBC Mutual Fund Screener - Predefined "Steady Performers" screen for top 20% over 5 years; excellent for consistent portfolio performance.
Morningstar Fund Screener - Filter for high 5-year returns and low risk; uses star ratings for steady top performers.
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Start planning for your future today. Visit our financial planning web pages and click on the links to our financial planning calculators.
Retirement Planning - Experts estimate that to be successful in retirement, you will need at least 80 percent of the income you earned in your final working years.* Use our retirement planning calculators to help you plan for the golden years.
College Planning - According to The College Board, a four-year public education for the freshman class of 2024 will cost over $169,668. Have you begun planning for the rising costs of education for your children? We can assist you in creating a strategy for becoming financially prepared for these costs by the time your children begin their college educations.
Investment Planning - The enormous amount of information available to today's investor means the big picture can be a bit overwhelming. We can help you sort through the clutter, bring your investment goals into focus, and design a portfolio to help work towards them.
Catastrophic Needs Planning - Many people don't realize what an important role life insurance can play in planning for their future. Whether your goal is family protection, charitable giving, wealth accumulation, retirement planning, or estate planning, life insurance can help. While we certainly don't hope for the worst, we do need to be prepared for it. Catastrophic needs planning allows our clients to have the peace of mind to know that if something happens to them, their loved ones will be financially secure.
Financial Planning - Amid changing market cycles and investor's unique financial objectives, a well-devised and executed asset allocation strategy is central to helping you achieve your long-term goals
Estate Planning - As we get older, protecting our assets so that we can easily pass them down to our children and grandchildren becomes a primary concern. We will work closely with estate planning attorneys who will be able to assist you with your creation of wills and trusts. Our goal is to help you prepare your estate so that your assets will pass to your family as smoothly as possible.
Goal Planning - Whether it is a car, a vacation, or a new home, we can assist you in organizing a savings strategy so that you can indulge in the finer things in life without worrying that doing so will break the bank.
* Social Security Administration
| Financial Planning and Investment Articles |
Educational articles covering a wide variety of financial concepts and timely topics to empower you to take control of your finances and investments. Click on the image to visit "Our Services" page to access financial planning and investment articles. | Investor Education Center |
Powered by InvestorGuide.com one of the most comprehensive financial glossary on the web, equipping millions of individuals with the financial knowledge necessary to understand the basics of investments and keep up-to-date with the terms that they need to know in order to help them succeed in today's financial world. Click on the image to visit our investor education center. | If you are currently a client you can access your account information online with Account View. Just click on the AccountView logo then enter your username and password and click on login. | Tollerene Investment Management on FaceBook | |
Tollerene Investment Management is on Facebook! Here you can find links to articles of analysts, economists, technicians, fund managers, investment pundits and writers we think may really be worth reading. In addition you can find links to archived copies of Tollerene Investment Managements Weekly E-Letter.
| Tollerene Investment Management on LinkedIn | |
Tollerene Investment Management is on LinkedIn! Here you can find links to articles of analysts, economists, technicians, fund managers, investment pundits and writers we think may really be worth reading. In addition you can find links to archived copies of Tollerene Investment Managements Weekly E-Letter. Link up and network with us!
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Our Offices
801 Travis, Suite 1900
Houston, Texas 77002
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Bryan Tollerene has been a Financial Advisor for over 35 years. A graduate of Texas A&M University, Bryan holds a Bachelors of Science degree in Economics and he has been recognized for completion of a course of study in advanced financial planning by the School of Advanced Financial Management. He is a member of the Houston chapter of the Market Technicians Association and a 3rd generation Houstonian.
I enjoy helping my clients meet their financial goals, manage their resources and reduce risk to attain the peace of mind that comes with making good decisions while dealing with confusing and often chaotic markets.
I am an avid cyclist, biking over 150 miles most weeks. If you are ever in the S. Houston/Pearland area come and ride with me and the Pearland Cycling Club.
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Best Regards,
Bryan W. Tollerene
Registered Principal - LPL
Financial Consultant
office: 281 489 9376
cell: 281 814 3527
fax: 281 489 6542
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What Can Life Insurance Do For You?
Many people don't realize what an important role life insurance* can play in planning for their future. Whether your goal is family protection, charitable giving, wealth accumulation, retirement planning, or estate planning, life insurance can help. I specialize in developing innovative life insurance strategies to help investors work toward their goals. Call today for more information or to schedule a consultation.
*Life Insurance policies are subject to substantial fees and charges. Death benefits to guarantees are subject to the claims-paying ability of the issuing life insurance company. Loans will reduce the policy's death benefit and cash surrender value, and have tax consequences if the policy lapses.
| Consolidate And Simplify Today | Over the years, it is likely that you have accumulated several retirement savings accounts, ranging from IRAs to 401(k) plan assets held with previous employers. Often, it is advantageous to consolidate all of these assets into a single retirement account. Consolidation offers the advantages of a wide range of investment choices and simplified management and control. Call for more information or to schedule a retirement review. | Tollerene Investment Management clients have access to one of the leading financial planning software tools in the industry. Click on the RightCapital logo above to take you to the client portal. Combining all your financial data in one place is the starting point for higher quality financial decisions. A single view enables holistic decision making. No more making piecemeal or siloed decisions. Right Capitals client portal financial plan is an interactive tool that can be accessed from any computer or smartphone. |
If you've changed jobs and left behind a 401(k) or other qualified plan, you could be neglecting one of your most important assets. I can help you manage and monitor your investments, creating a strategy that aligns your retirement savings with your overall financial goals. Learn the tax consequences of lump-sum distributions. Discover the tax advantages of an IRA rollover. Avoid common 401(k) rollover mistakes. Call today for more information or to schedule a consultation.
Please contact your qualified tax advisor to discuss tax-related strategies.
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Checkups Are Good For Your Financial Health
| You have an annual physical to make sure you are healthy. What do you do to make sure you remain financially fit? Once a year, you should have a thorough financial checkup. I specialize in thoughtful and unbiased investment guidance designed to keep your finances in shape. Call today for more information or to schedule a consultation. | Live Confidently Get Professional Investment Advice And Service | In today's complex financial environment, timely insights and prudent guidance are essential to effectively manage your money and work toward your goals. I can help you develop an investment strategy to address your needs and aspirations. Call to schedule a consultation today. | Have recent market events left you uncertain about your financial future? Investing shouldn't be fraught with confusion; I can help clear things up. I will address your short- and long-term strategies, help you select the best investment vehicles for your needs and help guide you toward financial well-being. Call today for more information or to schedule a consultation. | Does Your Money Work As Hard As You Do? | You will spend upwards of 45 years working to support your lifestyle, provide for your family, and set aside money for retirement. Doesn't it make sense to make sure your money is working as hard as you are? I offer thoughtful and unbiased investment guidance designed to help you realize your financial objectives. Call today for more information or to schedule a consultation. | Questions About Required Minimum Distributions? | If you are 70½ or older, you may be required to take a minimum distribution from your IRAs and employer-sponsored retirement plans. Lessen your tax liability by getting informed. Call today for more information or to schedule a consultation. Please contact your qualified tax advisor to discuss tax-related strategies. | Identifying your retirement needs is the first step to help you design a financial strategy that will make the assets you've worked hard to build keep working for you. Whatever your plans for retirement, I can work with you to evaluate your needs and develop a customized strategy to help you achieve your goals. Call today for more information or to schedule a consultation. | It's Okay To Ask For Directions | With so many paths to choose, it's easy to get lost on your way to a secure retirement. The right directions can make all the difference. I can help you create a road map and choose the investment vehicles that align with your needs. Call today for more information or to schedule a consultation. |
Portfolio Review
Building an investment portfolio designed to address your unique long-term goals and financial dreams is a complex process that requires knowledge, skill, dedication and expertise. As your investment partner, we are committed to helping you accomplish your unique financial goals and objectives. After developing a thorough understanding of your risk tolerance and short and long-term goals, we will work together to create a customized investment portfolio designed for you.Call today to request a review of your portfolio holdings.
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What's
Your Number?
How much money will you need in retirement? For most of us, the answer is not at all clear. Retirement doesn't have to be a mystery. We can help you determine the amount you may need to enjoy the lifestyle you want. Contact me today to learn the answer to one of the most important questions for your retirement.
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Plan To Enjoy Yourself
Identifying your retirement needs is the first step to help you design a financial strategy that will make the assets you've worked hard to build keep working for you. Whatever your plans for retirement, I can work with you to evaluate your needs and develop a customized strategy to help you achieve your goals. Call today for more information or to schedule a consultation.
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There Are No
Do-overs At Retirement
Retirement is too late to decide that your investment portfolio was not designed to address your needs. Now is the time to develop a financial strategy that will give your money time to work for you. I specialize in thorough, unbiased financial guidance that can help you work toward your objectives throughout retirement. Call today for more information or to schedule a consultation
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Retired? There's Still Room To Grow
With some Americans enjoying longer, more productive retirements, you need an investment portfolio that continues to work for you. We specialize in comprehensive investment guidance to help you work toward your retirement objectives. Call today for more information or to schedule a consultation.
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Okay, Now What?
Have recent market events left you uncertain about your financial future? Investing shouldn't be fraught with confusion; I can help clear things up. I will address your short- and long-term strategies, help you select the best investment vehicles for your needs and help guide you toward financial well-being. Call today for more information or to schedule a consultation.
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Balance Is Everything
Your investment plan should be created just for you; however, developing and maintaining a comprehensive plan can be a bit of a balancing act. I can deliver the guidance needed to develop a well-balanced investment plan. Call today for more information or to schedule a consultation.
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Don't Forget
Your financial future is too important to go unattended. Talk to me today to establish a personal schedule for periodic financial reviews. It's one item you can't afford to leave off your list. Call today for more information or to schedule a consultation.
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I Make It Easy To Roll Over Your
401(k)
If you are retiring or changing jobs, you may have complicated choices to make regarding your 401(k) plan assets. What you do with these assets could significantly impact your lifestyle in retirement. Your future is too important to risk making the wrong decision. I can help - every step of the way. Call today for more information or to schedule a consultation.
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