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Optimize your finances with one-on-one consults.

Strategy reviews, portfolio performance tuning, tax arbitrage, early retirement (FIRE), debt-payoff optimization, and more.

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Hi, I’m Mitch!

I’m the person behind the spintwig website.

In 2015, I started researching financial independence and early retirement (or FIRE). Seeing how practical, simple actions resulted in actual dollars saved at the end of the month hooked me. I kept learning, implementing, and was able to retire from a career in IT and business consulting at 30.

As time went on, I began to look for ways to best manage my investment returns and stumbled upon options trading. But I was frustrated with how difficult it was to find centralized, trustworthy, high-quality research on options trading strategies online. So, I started doing my own backtesting research and publishing it here on spintwig.

Now I spend my time living life, which includes a healthy amount of riding my bike. And when I’m not doing that, I enjoy helping others accelerate their financial journey.

If you’re looking to accelerate your financial goals and feel it would be helpful to speak with someone who has already “been there done that”…

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Master the process of financial independence.

Accelerate your financial goals and achieve financial independence (FIRE) well before traditional retirement age.

crush debt

Crush Debt

Reduce, eliminate, and avoid interest payments and implement an optimal payoff strategy.
optimize spending

Optimize Spending

Generate positive cash flow and widen the gap between income and expenses.
lower taxes

Lower Taxes

Pay less to Uncle Sam while maintaining or increasing government benefits.
get organized

Get Organized

Automate recurring tasks and get real-time reports to know how every dollar is spent.
generate passive income

Generate Passive Income

Learn the concepts of investing and get started using just a smartphone.
live freely

Live Freely

Use money as a tool to express personal values and achieve life goals.
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Tackle lifestyle events with confidence.

Learn from someone that has “been there, done that.”

big-ticket items

Big-ticket Items

Identify the optimal approach to large purchases and avoid common pitfalls.
burning question

Burning Question

Get answers to common and not-so-common questions and what-ifs.
that one thing

That One Thing

Team up and knock out that financial todo list.
phone advocacy

3-way Support

Have an advocate ready to speak up or take the lead on the next financial phone call.
continuing accountability

Continuing Accountability

Stay the course with periodic check-ins and follow-ups.
life events

Life Events

#vanLife? Marriage? Explore the numbers associated with different lifestyles.
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Penalty-free access to retirement accounts.

Fund early retirement with tax-sheltered dollars and skip the 10% penalty.

toolkit rule of 55
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toolkit roth ira conversions
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toolkit 72t
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Tax minimization and arbitrage.

Tactics to improve the tax efficiency of your assets and cash flows.

Tax Gain Harvesting

Tax Gain Harvesting 1
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Tax Loss Harvesting

Tax Loss Harvesting 1
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Margin Loans

One-on-One Consults
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Retail Broker Business Model

Understand revenue streams and identify potential conflicts of interest.

value chain
spread mechanics
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What people are saying…

Incisive and Pragmatic Solutions

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I am a regular client of Spintwig.com and wanted to express my thanks and appreciation.  Mitch and I have worked together for almost a year now in developing a suitable strategy for our family’s IRA account.  Mitch took great care to procure the right data, address technical issues and make suggestions on how to improve the strategy. 
 
He has a unique ability to suggest incisive and pragmatic solutions to difficult trading problems.  This year has been extremely challenging for many reasons and having a professional like Mitch on our side has been invaluable.  We feel confident in going forward with our investment strategies knowing that they have been tested thoroughly.  While past performance is no guarantee of future performance, we certainly feel that with Mitch’s aid, we’ve done thorough due diligence.  Our odds of investing success are now much higher. 
 
If you’re considering Mitch for backtesting or advisory services, don’t hesitate!  He’s an exceptional value in addition to being a thoughtful, pleasant and generous addition to the options trading community. 
 
-R.B.
Backtesting and Financial Coaching Client

Worth Every Penny

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I appreciate the hard work Mitch at spintwig.com did backtesting a complex trading strategy for me. His research was worth every penny!

His backtesting not only confirmed some trading pattern suspicions that I had, but he also uncovered a lucrative pattern I had not even considered. I highly recommend his backtesting service without reservation!

Paul W.
Backtesting Client
Miami, FL

Over $42,000 in 8 Months

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You brainstormed ways for me to make passive income and motivated me to think twice about my purchases.

By following your guidance I’ve been able to defer thousands in taxes and invest over $42,000 in eight months.

You are my efficiency hero!

Nicole B.
Financial Coaching Client

Retirement as a Realistic Option

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I have meetings coming up with my workplace and retirement account holders – meeting with you first has informed my discussions with them and I’m so glad I ran across your services. Best of all I can see retirement as a realistic option for me next year!

I am telling all my friends about you, your consultation services and the tools offered at Spintwig.com.

Nita J.
Financial Coaching Client

I Learn Something Every Time

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Just because you think you know it, doesn’t make it any less impactful when someone proves it. I love reading spintwig’s posts, even if it confirms what I already knew. Sometimes it doesn’t.

Information is valuable. Data-backed information is especially so. I 100% appreciate these posts. I learn something every time, even if it is to make me more confident in a certain direction.

r/boeingb17 via reddit comment

Home Ownership a Possibility

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Over the course of six years, Mitch’s advise has helped me pay off all credit card debt, make a smarter purchase on a car and pay it off, and optimally pay off student loan debt.

Before Mitch, I didn’t realize owning my own home was a possibility.  Our talks have helped me purchase a home and pay off 35% of the mortgage over three years.

In meeting Mitch, my point of view on spending and saving money has changed drastically.

Gil E.
Financial Coaching Client

Investing isn't Gambling

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Banks pay nothing in interest these days. Not like the old days when I could have earned 8%.

I’ve always heard you can make money by investing and that’s how people plan for retirement but the concept always seemed like gambling.

You taught me the difference between Wall Street headlines and a prudent strategy and built my confidence to begin investing and stop letting inflation eat my savings account.

Don H.
Financial Coaching Client

Start optimizing your finances today.

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