Last Updated: 7/28/26
NONE OF MIKE DILLARD MEDIA, LLC, SELF MADE MAN, LLC, AND FINISH STRONG VENTURES, LLC, THEIR OWNERS (EXPRESSLY INCLUDING BUT NOT LIMITED TO MICHAEL N. DILLARD), OFFICERS, DIRECTORS, EMPLOYEES, SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, DATA PROVIDERS, CONTENT PROVIDERS, AND AGENTS (ALL COLLECTIVELY HEREINAFTER REFERRED TO AS “FINISH STRONG”) ARE FINANCIAL ADVISERS, AND NOTHING CONTAINED HEREIN OR PROVIDED THROUGH ANY PRODUCT OR SERVICE IS INTENDED TO BE, OR TO BE CONSTRUED AS, FINANCIAL ADVICE.
FINISH STRONG IS NOT AN INVESTMENT ADVISORY SERVICE, IS NOT A REGISTERED INVESTMENT ADVISER, IS NOT A BROKER-DEALER, DOES NOT PROVIDE PERSONALIZED FINANCIAL ADVICE, AND DOES NOT ACT AS A FINANCIAL ADVISOR OR IN ANY FIDUCIARY CAPACITY.
THIS WEBSITE EXISTS FOR EDUCATIONAL PURPOSES ONLY, AND THE MATERIALS AND INFORMATION CONTAINED HEREIN ARE FOR GENERAL INFORMATIONAL PURPOSES ONLY. NONE OF THE INFORMATION PROVIDED ON THIS WEBSITE OR THROUGH ANY PRODUCT OR SERVICE IS INTENDED AS INVESTMENT, TAX, ACCOUNTING, OR LEGAL ADVICE, AS AN OFFER OR SOLICITATION OF AN OFFER TO BUY OR SELL ANY SECURITY, OR AS AN ENDORSEMENT, RECOMMENDATION, OR SPONSORSHIP OF ANY COMPANY, SECURITY, OR FUND. THE INFORMATION PROVIDED SHOULD NOT BE RELIED UPON FOR PURPOSES OF TRANSACTING IN SECURITIES OR OTHER INVESTMENTS.
YOU HEREBY UNDERSTAND AND AGREE THAT THIS WEBSITE AND FINISH STRONG DO NOT OFFER OR PROVIDE TAX, LEGAL, OR INVESTMENT ADVICE, AND THAT YOU ARE RESPONSIBLE FOR CONSULTING TAX, LEGAL, OR FINANCIAL PROFESSIONALS BEFORE ACTING ON ANY INFORMATION PROVIDED HEREIN.
THE MATERIALS PROVIDED ARE NOT INTENDED AS A PROMOTION OF ANY PARTICULAR PRODUCT OR INVESTMENT, AND NEITHER FINISH STRONG NOR ANY OF ITS OFFICERS, DIRECTORS, EMPLOYEES, OR REPRESENTATIVES IN ANY WAY RECOMMENDS OR ENDORSES ANY COMPANY, PRODUCT, INVESTMENT, OR OPPORTUNITY WHICH MAY BE DISCUSSED HEREIN.
THE EDUCATION AND INFORMATION PRESENTED HEREIN IS INTENDED FOR A GENERAL AUDIENCE AND DOES NOT PURPORT TO BE, NOR SHOULD IT BE CONSTRUED AS, SPECIFIC ADVICE TAILORED TO ANY INDIVIDUAL. YOU ARE ENCOURAGED TO DISCUSS ANY OPPORTUNITY WITH YOUR ATTORNEY, ACCOUNTANT, FINANCIAL PROFESSIONAL, OR OTHER ADVISOR.
THE CLEAR™ STOCK ANALYSIS PLATFORM PRODUCES NUMERIC SCORES — INCLUDING THE FUNDAMENTAL QUALITY SCORE (“FQS”) AND THE FUTURE EXPECTATIONS SCORE (“FES”) — TOGETHER WITH A QUADRANT CLASSIFICATION AND A BINARY SCREENING RESULT KNOWN AS THE CLEAR CRITERIA, FOR INDIVIDUAL PUBLICLY TRADED COMPANIES.
THESE OUTPUTS ARE DESCRIPTIVE MEASUREMENTS OF REPORTED FINANCIAL DATA AND OF ASSUMPTIONS MATHEMATICALLY IMPLIED BY CURRENT MARKET PRICES. THEY ARE NOT PREDICTIONS OF FUTURE PRICE, RETURN, OR PERFORMANCE, AND THEY ARE NOT RECOMMENDATIONS TO BUY, SELL, OR HOLD ANY SECURITY.
NO SCORE, CLASSIFICATION, OR SCREENING RESULT SHOULD BE INTERPRETED AS A STATEMENT THAT ANY SECURITY WILL INCREASE OR DECREASE IN VALUE, WILL OUTPERFORM OR UNDERPERFORM ANY BENCHMARK, IS SUITABLE FOR ANY INVESTOR, OR THAT ANY PARTICULAR FINANCIAL OUTCOME IS LIKELY OR ACHIEVABLE.
THE CLEAR CRITERIA RETURNS ONE OF TWO RESULTS: “MEETS THE CLEAR CRITERIA” OR “DOES NOT MEET THE CLEAR CRITERIA.” THIS IS A SCREEN AGAINST A FIXED SET OF MEASURABLE STANDARDS — NOT A PREDICTION, A RECOMMENDATION, OR INVESTMENT ADVICE.
“MEETS” DOES NOT MEAN BUY. “DOES NOT MEET” DOES NOT MEAN SELL OR AVOID. A RESULT MAY BE DETERMINED BY THE UNAVAILABILITY OF DATA AS WELL AS BY THE CHARACTERISTICS OF THE COMPANY EVALUATED.
WHAT NO SCREEN CAN MEASURE: THE MOAT, THE LEADERSHIP, THE STORY. THAT’S YOUR HOMEWORK.
A HIGH FES IS NOT FAVORABLE AND A LOW FES IS NOT UNFAVORABLE. THE FES AND ITS BANDS ARE DESCRIPTIVE ONLY.
STATEMENTS OF THE FORM “THE MARKET IS ASSUMING FREE CASH FLOW GROWS APPROXIMATELY X% PER YEAR” DESCRIBE THE ARITHMETIC OUTPUT OF A MODEL RUN UNDER FIXED ASSUMPTIONS SELECTED BY FINISH STRONG. SUCH STATEMENTS ARE NOT A FORECAST, ESTIMATE, PROJECTION, EXPECTATION, OR OPINION OF FINISH STRONG REGARDING ANY COMPANY’S FUTURE PERFORMANCE, AND MUST NOT BE RELIED UPON AS SUCH. DIFFERENT ASSUMPTIONS WOULD PRODUCE DIFFERENT OUTPUTS.
WRITTEN COMMENTARY ACCOMPANYING ANY SCORE — INCLUDING ANY DESCRIPTION OF THE INVESTMENT CASE OR GROWTH STORY THAT A MARKET MAY BE PRICING INTO A SECURITY — DESCRIBES THE STORY THE MARKET APPEARS TO BE PRICING. IT IS NOT THE VIEW, FORECAST, ENDORSEMENT, OR RECOMMENDATION OF FINISH STRONG.
THE CLEAR™ INDICATOR AND THE CLEAR™ STOCK ANALYSIS PLATFORM ARE RESEARCH AND EDUCATIONAL TOOLS. THEY ARE NOT ADVISORY SERVICES, NOT PORTFOLIO MANAGEMENT SERVICES, AND NOT SUBSTITUTES FOR PROFESSIONAL FINANCIAL ADVICE. THEY ARE DESIGNED TO ORGANIZE AND PRESENT PUBLICLY REPORTED FINANCIAL INFORMATION — NOTHING MORE.
ALL SCORES AND SCREENING RESULTS ARE CALCULATED FROM FINANCIAL DATA SUPPLIED BY THIRD-PARTY DATA PROVIDERS. FINISH STRONG DOES NOT INDEPENDENTLY AUDIT, VERIFY, OR GUARANTEE THE ACCURACY, COMPLETENESS, OR TIMELINESS OF THIS DATA.
THIRD-PARTY DATA MAY BE INACCURATE, INCOMPLETE, DELAYED, MIS-MAPPED, SUBSEQUENTLY RESTATED, OR UNAVAILABLE. ERRORS OR OMISSIONS IN SOURCE DATA WILL PRODUCE ERRONEOUS SCORES, CLASSIFICATIONS, AND SCREENING RESULTS.
NOT REAL-TIME. PRICE AND MARKET-CAPITALIZATION INPUTS REFLECT THE PREVIOUS OFFICIAL CLOSING PRICE, NOT LIVE OR INTRADAY MARKET DATA. SCORES DO NOT UPDATE INTRADAY AND MAY NOT REFLECT CURRENT MARKET CONDITIONS, PRICE MOVEMENTS, NEWS, EARNINGS ANNOUNCEMENTS, OR CORPORATE ACTIONS OCCURRING AFTER THE LAST OFFICIAL CLOSE. THE PLATFORM MUST NOT BE USED AS A SOURCE OF REAL-TIME MARKET DATA OR FOR TIME-SENSITIVE TRADING DECISIONS.
REPRODUCIBILITY IS NOT ACCURACY. THE PLATFORM IS DESIGNED TO PRODUCE CONSISTENT, REPRODUCIBLE RESULTS FOR A GIVEN SECURITY ON A GIVEN DATE UNDER A GIVEN METHOD VERSION. CONSISTENCY OF OUTPUT IS A PROPERTY OF THE CALCULATION AND IS NOT A WARRANTY THAT ANY RESULT IS CORRECT, RELIABLE, PREDICTIVE, COMPLETE, OR SUITABLE FOR ANY PURPOSE. IT IMPLIES NOTHING ABOUT THE MERIT, RISK, OR PROSPECTS OF ANY SECURITY.
METHODOLOGY MAY CHANGE. FINISH STRONG RESERVES THE RIGHT, AT ANY TIME AND WITHOUT NOTICE, TO REVISE, RECALIBRATE, ADD TO, REMOVE, SUSPEND, OR DISCONTINUE ANY SCORING METHODOLOGY, METRIC, WEIGHTING, THRESHOLD, CONSTANT, CRITERION, BAND, CLASSIFICATION, OR FEATURE. RESULTS GENERATED UNDER ONE METHOD VERSION MAY DIFFER MATERIALLY FROM RESULTS FOR THE SAME SECURITY UNDER A DIFFERENT VERSION, EVEN WHERE THE UNDERLYING DATA HAS NOT CHANGED. FINISH STRONG HAS NO OBLIGATION TO MAINTAIN ANY METHODOLOGY, PRESERVE HISTORICAL RESULTS, OR PROVIDE NOTICE OF ANY CHANGE.
THE CLEAR STOCK ANALYSIS PLATFORM EVALUATES INDIVIDUAL OPERATING COMPANIES ONLY. IT DOES NOT EVALUATE FUNDS, EXCHANGE-TRADED FUNDS, TRUSTS, OR SIMILAR VEHICLES.
CERTAIN SECTORS — INCLUDING BANKS AND INSURERS — CANNOT BE FULLY EVALUATED BY THE PLATFORM’S METHODOLOGY AND WILL ALWAYS PRODUCE LOW-CONFIDENCE RESULTS.
WHERE REQUIRED DATA IS UNAVAILABLE, AFFECTED MEASURES ARE EXCLUDED FROM CALCULATION AND THE RESULT IS IDENTIFIED AS LOW-CONFIDENCE. YOU SHOULD NOT RELY ON LOW-CONFIDENCE RESULTS.
COVERAGE DEPENDS ON THIRD-PARTY DATA AVAILABILITY AND MAY CHANGE OR BE WITHDRAWN AT ANY TIME WITHOUT NOTICE.
ANY PERFORMANCE INFORMATION PRESENTED REGARDING THE CLEAR™ INDICATOR, THE CLEAR CRITERIA, THE FQS, THE FES, OR ANY OTHER METHODOLOGY IS HYPOTHETICAL AND BACKTESTED UNLESS EXPRESSLY IDENTIFIED OTHERWISE.
HYPOTHETICAL PERFORMANCE RESULTS HAVE INHERENT AND SIGNIFICANT LIMITATIONS, INCLUDING THE FOLLOWING:
PAST PERFORMANCE — WHETHER ACTUAL OR HYPOTHETICAL — IS NOT INDICATIVE OF FUTURE RESULTS. NO REPRESENTATION IS BEING MADE THAT ANY ACCOUNT WILL OR IS LIKELY TO ACHIEVE PROFITS OR LOSSES SIMILAR TO THOSE SHOWN.
TESTIMONIALS, REVIEWS, CASE STUDIES, AND SUBSCRIBER-REPORTED RESULTS APPEARING ON THIS WEBSITE OR IN ANY MARKETING MATERIAL REFLECT THE INDIVIDUAL EXPERIENCES OF PARTICULAR PERSONS.
SUCH RESULTS ARE NOT VERIFIED OR AUDITED BY FINISH STRONG, ARE NOT REPRESENTATIVE OF TYPICAL RESULTS, AND SHOULD NOT BE UNDERSTOOD AS A GUARANTEE OR PREDICTION THAT YOU OR ANY OTHER PERSON WILL ACHIEVE SIMILAR OUTCOMES.
INDIVIDUAL RESULTS DEPEND ON MANY FACTORS OUTSIDE OF FINISH STRONG’S CONTROL, INCLUDING MARKET CONDITIONS, CAPITAL AVAILABLE, RISK TOLERANCE, EXECUTION DISCIPLINE, TAX SITUATION, AND EXPERIENCE.
MOST SUBSCRIBERS DO NOT ACHIEVE ANY PARTICULAR RESULT. TRADING AND INVESTING IN SECURITIES AND CRYPTOCURRENCIES INVOLVE SUBSTANTIAL RISK OF LOSS, INCLUDING THE TOTAL LOSS OF INVESTED CAPITAL. YOU SHOULD NOT INVEST FUNDS YOU CANNOT AFFORD TO LOSE.
WHERE ANY PERSON PROVIDING A TESTIMONIAL HAS RECEIVED COMPENSATION, FREE OR DISCOUNTED ACCESS, OR ANY OTHER CONSIDERATION, THAT FACT WILL BE DISCLOSED IN CONNECTION WITH THE TESTIMONIAL.
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ANY POST, EMAIL, VIDEO, OR COMMENTARY DESCRIBING POSITIONS HELD, ACQUIRED, OR DISPOSED OF IN THE PERSONAL PORTFOLIO OF MICHAEL N. DILLARD OR OF FINISH STRONG (“PORTFOLIO UPDATES”) IS PUBLISHED FOR EDUCATIONAL AND ENTERTAINMENT PURPOSES ONLY.
PORTFOLIO UPDATES ARE PERSONAL DIARY ENTRIES. THEY ARE NOT TRADE ALERTS, TRADE SIGNALS, REAL-TIME NOTIFICATIONS, RESEARCH REPORTS, OR RECOMMENDATIONS OF ANY KIND.
NO PORTFOLIO UPDATE IS A RECOMMENDATION, SOLICITATION, ENDORSEMENT, OR OFFER TO BUY, SELL, OR HOLD ANY SECURITY, CRYPTOCURRENCY, OR OTHER ASSET. THE FACT THAT ANY PERSON ASSOCIATED WITH FINISH STRONG HOLDS OR HAS TRANSACTED IN ANY ASSET IS NOT A RECOMMENDATION THAT YOU DO THE SAME.
PORTFOLIO UPDATES ARE NOT INTENDED TO BE FOLLOWED OR DUPLICATED.
FINISH STRONG AND MICHAEL N. DILLARD RETAIN SOLE AND ABSOLUTE DISCRETION OVER WHETHER, WHEN, AND IN WHAT MANNER TO DISCLOSE ANY TRANSACTION, POSITION, OR INVESTMENT — INCLUDING THE DISCRETION TO DISCLOSE NOTHING AT ALL.
SOME TRANSACTIONS WILL BE DISCLOSED. MANY WILL NOT. POSITIONS MAY BE ENTERED, INCREASED, REDUCED, HEDGED, OR CLOSED WITHOUT ANY DISCLOSURE WHATSOEVER, AT ANY TIME, INCLUDING IMMEDIATELY BEFORE OR AFTER A PORTFOLIO UPDATE IS PUBLISHED.
A PURCHASE MAY BE DISCLOSED WITHOUT THE CORRESPONDING SALE BEING DISCLOSED. INVESTMENTS MAY BE HELD IN ASSET CLASSES, ACCOUNTS, OR VEHICLES THAT ARE NEVER DISCLOSED PUBLICLY AT ANY TIME.
PORTFOLIO UPDATES ARE INHERENTLY INCOMPLETE AND SELECTIVE. FINISH STRONG MAKES NO REPRESENTATION THAT THEY ARE OR WILL BE COMPLETE, ACCURATE, TIMELY, CURRENT, OR CONSISTENT. ANY INFERENCE DRAWN FROM THE ABSENCE OF A DISCLOSURE IS UNSUPPORTED AND MADE AT YOUR SOLE RISK.
FINISH STRONG SHALL HAVE NO LIABILITY ARISING FROM ANY DECISION TO PUBLISH OR NOT PUBLISH ANY PORTFOLIO UPDATE, OR FROM THE OMISSION OF ANY TRANSACTION FROM ANY DISCLOSURE.
FINISH STRONG DOES NOT OFFER, PUBLISH, MAINTAIN, VERIFY, AUDIT, OR PROMISE ANY TRACK RECORD, PERFORMANCE HISTORY, RETURN FIGURE, WIN RATE, OR PROOF OF PERFORMANCE WITH RESPECT TO PORTFOLIO UPDATES OR ANY PERSONAL PORTFOLIO. NO SUCH FIGURE IS CLAIMED, IMPLIED, OR AVAILABLE.
ANY PERFORMANCE FIGURE YOU CALCULATE OR INFER FROM PUBLISHED PORTFOLIO UPDATES IS YOUR OWN CONSTRUCTION, IS NECESSARILY INCOMPLETE, AND IS NOT ENDORSED, VERIFIED, OR ADOPTED BY FINISH STRONG.
MICHAEL N. DILLARD IS NOT A LICENSED OR REGISTERED FINANCIAL PROFESSIONAL. HE IS NOT A REGISTERED INVESTMENT ADVISER, INVESTMENT ADVISER REPRESENTATIVE, BROKER, REGISTERED REPRESENTATIVE, FINANCIAL PLANNER, ACCOUNTANT, OR ATTORNEY, AND HOLDS NO SECURITIES LICENSE OR PROFESSIONAL FINANCIAL CREDENTIAL OF ANY KIND.
FINISH STRONG AND ITS PRINCIPALS MAY HOLD, ACQUIRE, OR DISPOSE OF POSITIONS IN SECURITIES OR CRYPTOCURRENCIES DISCUSSED OR EVALUATED THROUGH ANY PRODUCT OR SERVICE AT ANY TIME, INCLUDING POSITIONS CONTRARY TO ANY SCORE, SIGNAL, SCREENING RESULT, OR PREVIOUSLY PUBLISHED PORTFOLIO UPDATE, AND WITHOUT NOTICE TO YOU.
FINISH STRONG MAY DERIVE FEES OR OTHER COMPENSATION AS A RESULT OF PURCHASES FROM SERVICE PROVIDERS OR VENDORS REFERENCED IN ANY MATERIAL. WHERE FINISH STRONG RECEIVES COMPENSATION IN CONNECTION WITH A REFERRAL OR RECOMMENDATION OF A THIRD-PARTY PRODUCT OR SERVICE, THAT MATERIAL CONNECTION WILL BE DISCLOSED.
STATEMENTS REGARDING ANY “COMMITMENT” TO SHARE PERSONAL INVESTING STRATEGIES SHOULD NOT BE CONSTRUED OR INTERPRETED TO REQUIRE THE DISCLOSURE OF ANY INVESTMENT OR STRATEGY, INCLUDING THOSE THAT ARE PERSONAL IN NATURE, PART OF ESTATE OR TAX PLANNING, OR IMMATERIAL TO THE SCOPE AND NATURE OF FINISH STRONG’S EDUCATIONAL PHILOSOPHY.
FINISH STRONG AND MICHAEL N. DILLARD ROUTINELY BUY AND SELL ASSETS FOR REASONS UNRELATED TO ANY VIEW OF THOSE ASSETS — INCLUDING TO RAISE CASH FOR TAXES, TO MEET PERSONAL OR BUSINESS CASH NEEDS, TO FUND OTHER TRANSACTIONS, TO REALLOCATE CAPITAL FROM ONE POSITION TO ANOTHER, TO REBALANCE, TO MANAGE RISK, AND FOR ESTATE, GIFTING, AND TAX-PLANNING PURPOSES.
SUCH TRANSACTIONS ARE ROUTINELY NOT DISCLOSED. THEY CARRY NO VIEW, OPINION, SIGNAL, OR EXPECTATION REGARDING THE ASSET TRANSACTED.
A SALE IS NOT A NEGATIVE VIEW. A PURCHASE IS NOT A POSITIVE VIEW. NO INFERENCE SHOULD BE DRAWN FROM ANY TRANSACTION, FROM THE ABSENCE OF ANY TRANSACTION, OR FROM THE ABSENCE OF ANY DISCLOSURE.
FINISH STRONG AND MICHAEL N. DILLARD HOLD POSITIONS THAT ARE NEVER DISCLOSED PUBLICLY AT ANY TIME, INCLUDING SPECULATIVE POSITIONS, DIGITAL ASSET AND CRYPTOCURRENCY POSITIONS, PRIVATE AND VENTURE INVESTMENTS, AND POSITIONS HELD IN RETIREMENT, TRUST, ENTITY, OR FAMILY ACCOUNTS. THE PUBLISHED PORTFOLIO IS NOT THE PORTFOLIO.
A PREVIOUSLY DISCLOSED POSITION MAY HAVE BEEN MATERIALLY REDUCED OR ENTIRELY EXITED WITHOUT ANY CORRESPONDING DISCLOSURE.
THIS POLICY IS DESCRIPTIVE AND CREATES NO OBLIGATION. FINISH STRONG MAY DEVIATE FROM, MODIFY, OR DISCONTINUE IT AT ANY TIME WITHOUT NOTICE.
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IN NO EVENT WILL THE COLLECTIVE LIABILITY OF FINISH STRONG TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, NEGLIGENCE, OR OTHERWISE) EXCEED THE GREATER OF ONE HUNDRED U.S. DOLLARS ($100.00) OR THE AMOUNT YOU HAVE PAID TO FINISH STRONG DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.
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