PremiumGuardHQ

About PremiumGuardHQ

Deep Dive with Clara AI

PremiumGuardHQ is the analytics platform for self-directed options traders who run the wheel and treat premium as real income. Connect a brokerage account read-only and PremiumGuardHQ reads your actual fills and assembles them into complete wheel cycles on its own: the cash-secured put, the assignment, every covered call written against the stock, and the day it gets called away. No manual tagging, no trade-by-trade data entry, no spreadsheet that breaks the week you fall behind. Schwab and Interactive Brokers connect through their own read-only interfaces, Robinhood, Fidelity and tastytrade through SnapTrade, and CSV import covers everything else. Once the cycles are assembled, the numbers a wheel trader actually trades on become available for the first time. Real cost basis, meaning your average price minus every premium the position has collected, and the breakeven that sets your next strike. Premium profit kept separate from equity profit, so an assignment cannot flatter a losing month. Capital at risk split across assigned stock, cash securing puts, and long premium, flagged against the concentration cap you set. And the one number no journal or spreadsheet answers: how much income you can withdraw this week without eroding the base that generates it. After every sync the whole account is reviewed automatically and anything worth a second look surfaces as a graded insight, including earnings landing inside an expiration week, concentration drifting past your cap, and names that quietly cost more than they pay. PremiumGuardHQ never places a trade. It cannot. Your capital never leaves your broker. Free plan available. Pro is $49 a month or $470 a year, with a 14-day full-access trial and no credit card required.

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Pricing

Free Trial Available
Starts at $49.0.
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Platforms Supported

Browser Based (Cloud)

Organization Types Supported

Freelancers
Individuals

API Support

Not available

Modes of Support

Business Hours

PremiumGuardHQ Features

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Financial Analysis Features

KPI & Metrics

Measures the success rate and monitor the performance metrics that matter most to your business.

Performance Analytics

Helps to predict the future performance of a business using Key Performance Indicators (KPI) and other Metrics

Cash flow Forecasting

Helps to measure the financial position of an entity in the future using cash in and cash out of a business

Divisional Analysis

Helps to track and monitor the performance of your individual business unit

Market Analysis

Helps to measure your industry status in the overall market using quantitative and qualitative data points

Industry Analysis

Helps to assess the business position against competitors and gain competitive dynamics of an industry

Risk Assessment

Helps to analyze the potential risk factors that cause harm to the business

Investment Portfolio Management Features

Risk Management Tools

Helps in VaR, volatility, Sharpe ratio, and exposure analysis

Multi-Asset Class Support

Manage Stocks, bonds, mutual funds, ETFs, and alternatives

Performance Analytics (Asset)

ROI, IRR, time-weighted returns, benchmark comparisons

Portfolio Tracking

Helps in real-time monitoring of assets, holdings, and allocations

Transaction Management (Trade)

Trade capture, recording, and reconciliation

ESG Scoring

Track investments by ESG compliance

Tax Optimization Tools

Tools that help in tax-loss harvesting, capital gains planning

Investor Reporting

Provides statements, dashboards, and tax reports

Market Integration

Provides real-time market data, broker feeds

Compliance and Regulatory Reporting

Ensures compliance with SEC regulations, ESOP requirements, ASC 718 standards, and IFRS guidelines.

Scenario Modeling

Simulates "what-if" scenarios to predict the potential outcomes

Mobile Access

Allows accessing the software and product/service related information from a mobile device

Accounting Integration

Enables efficient recording of financial transactions and seamless sharing of financial data, allowing for automated integration between business systems and accounting software. This optimizes workflows, reduces errors, and ensures real-time accuracy in financial operations.

Brokerage Trading Platforms Features

API & Third-Party Integration

Portfolio & Account Management

Real-Time Market Data & Quotes

Multi-Asset Trading

Alerts & Notifications

Cross-Platform Access

Available on web, desktop, and mobile platforms.

Algorithmic & Automated Trading

Risk Management & Margin Control

Advanced Charting & Technical Analysis

Order Execution & Trade Management

PremiumGuardHQ Pricing

Free Trial

Available

No Credit Card Required, Get Started for Free

Pricing Options

Freemium ( Limited Features )

MONTHLY YEARLY

Pro $470.00 $49.00 per month

Pro is $49 per month or $470 per year and adds:

Live sync for Robinhood, Fidelity and tastytrade

Unlimited closed cycle history

Automated insights on open risk, strategy drift and track record

Advanced loss mitigation with linked recovery chains

Safe withdrawal recommendations

Capital at risk by position

Stock scorecard ranking every symbol by realized results

Transfer reconciliation

Everything in the free plan

New accounts get 14 days of full Pro access with no credit card.

Start Free Trial

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PremiumGuardHQ Reviews

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PremiumGuardHQ Screenshots

Option Wheel Tracker

Option Portfolio ...

Automated Insights

Stock Scorecard

Safe Withdraw Inc...

PremiumGuardHQ FAQs

What is PremiumGuardHQ?

PremiumGuardHQ is an options analytics platform and portfolio tracker built for one thing: the wheel strategy. Connect your brokerage account and it reads your actual fills, assembles them into complete wheel cycles, and reports the numbers that strategy turns on. Real cost basis after premium, premium yield, capital at risk by position, and how much income you can safely take out. It is a tracker and an analyst, not a trading platform.

What is the wheel strategy?

The wheel is an options income strategy. You sell a cash-secured put on a stock you would be happy to own. If it expires worthless you keep the premium and sell another. If you get assigned, you own the shares, and you start selling covered calls against them until the stock is called away. Then you start again. It is often described as a theta strategy, because most of the return comes from time decay on options you sold rather than from the stock moving.

Who is PremiumGuardHQ for?

Self-directed options traders running the wheel across one or more brokerage accounts, who treat collected premium as real income rather than a scorekeeping number. That ranges from people topping up a salary to people funding their living costs from their portfolio. If you sell cash-secured puts or covered calls regularly and you have ever wondered whether you are actually making money after assignments, you are who this is built for.

Which brokers does PremiumGuardHQ support?

Five. Charles Schwab and Interactive Brokers connect directly through their own read-only interfaces. Robinhood, Fidelity and tastytrade connect through SnapTrade. Any other broker can be brought in through CSV import, and the format is detected automatically. Broker sync is tiered: Schwab and Interactive Brokers sync on the free plan, the other three sync on Pro or during the 14-day trial, and CSV import is free for all five.

Do I have to enter my trades manually?

No, and that is the whole point. Most options trade journals ask you to type in or tag every trade, and the analysis quietly stops being true the week you fall behind. PremiumGuardHQ reads the fills from your broker and works out the cycles itself: which put started it, when assignment happened, every covered call written against the stock, and the day it was called away. Your books stay current whether you keep up or not.

How does PremiumGuardHQ work out my real cost basis?

It carries every premium the position has collected against the shares you hold. If you were assigned at $220 and have since collected $6.35 in premium selling covered calls, your real basis is $213.65, and that is the number your next strike should be written against, not the $220 your broker displays. This cost basis tracking runs across the whole cycle, so a roll or a partial fill three weeks ago is reflected rather than lost.

What is premium yield, and how do you measure it?

Premium yield is what your collected options income is actually earning against the money it took to earn it. PremiumGuardHQ measures premium against the capital genuinely committed to the position, including assigned shares and the cash securing open puts, rather than against account size. That is what makes it comparable between a put you sold last week and a wheel you have been running for eight months.

How do you know how much income I can safely withdraw?

It measures your closed profit against the equity target you set, then tells you what can come out without eroding the capital base that generates your options income. Most trade journals will tell you what you made. None of them answer the question that actually matters if you are living off premium, which is how much of it is genuinely yours to spend. This withdrawal planning is a Pro feature.

Does it handle covered calls as well as cash-secured puts?

Yes, and it links them. Selling covered calls against shares you were assigned on is not a separate trade in PremiumGuardHQ, it is the next leg of the same wheel cycle. That is why the numbers come out different from a generic options tracker: the put, the assignment, every call, and the eventual sale are treated as one continuous position with one running result.

What happens when I get assigned on a put?

The cycle continues rather than closing. PremiumGuardHQ records the assignment, carries the premium you already collected into the cost basis of the shares, and moves the position into its covered call phase. Nothing needs tagging on your side. This is the moment most spreadsheets and general trade journals go wrong, because they treat the assignment as a new, unrelated stock purchase.

Can I track more than one brokerage account?

Yes. Each brokerage account is tracked separately and you switch between them from the header, so a taxable account and a retirement account never get blended into one misleading number. You can mix connection types too, for example a Schwab account syncing automatically alongside an older account brought in by CSV.

Will it import my trading history, or only new trades?

It backfills. How far back depends on the broker: Interactive Brokers exposes the last 365 days through its Flex connection, and anything older comes in through Activity Statement CSVs, one file per year. Overlapping files are fine, because duplicate trades are detected and skipped automatically. The free plan shows your last 20 closed cycles; Pro keeps every cycle you have ever run.

What happens if a wheel ends at a loss?

If shares get called away below your basis and you rebuy the name, PremiumGuardHQ links the new wheel to the old one as a recovery chain carrying one true breakeven, so you always know how far from even you really are. Without that, each new cycle silently resets to zero and a losing name can look like a string of small wins. This is a Pro feature.

Can PremiumGuardHQ place trades or move money in my account?

No. Connections are read-only by design, trading permissions are never part of what the platform requests, and there is no order-placement capability anywhere in the product. It cannot buy, sell, roll, transfer, withdraw, or change a single account setting. Your capital never leaves your broker.

Do I have to give you my brokerage password?

No. Schwab connects over OAuth, Interactive Brokers uses a read-only token you generate yourself, and Robinhood, Fidelity and tastytrade connect through SnapTrade. In every case you authenticate with your broker, not with us. We never receive your username, password or two-factor code. Data is encrypted at rest and isolated per account.

How is this different from tracking the wheel in a spreadsheet?

A spreadsheet is accurate right up until an assignment, a roll, a partial fill or a broker cost-basis adjustment lands, and then it is quietly wrong and you cannot tell when it started. PremiumGuardHQ rebuilds your whole history from your fills on every sync, so a correction from three weeks ago flows through everything downstream instead of sitting there. It also never forgets to update itself.

How is this different from a general options trade journal?

A journal is a record. This is options analytics built around one strategy. Because PremiumGuardHQ knows your trades form wheel cycles, it can answer questions a general tracker structurally cannot: what your equity result is net of assignments, what your premium yield is against committed capital, and how much income is safe to withdraw. A tool that treats every trade as standalone cannot compute those, because it does not know the trades are connected.

What does PremiumGuardHQ cost?

There is a free plan that never expires: Schwab and Interactive Brokers auto-sync, CSV import for any supported broker, open position tracking, live stock quotes, basic dashboard metrics, and a trade journal holding your last 20 closed cycles. Pro is $49 a month or $470 a year. New accounts get 14 days of full Pro access with no credit card, so you can connect any broker and see your real numbers before deciding.

Does PremiumGuardHQ recommend trades or give investment advice?

No. It reports on trades you have already made and shows you your own numbers. It does not tell you what to buy, which strike to sell, or when to roll, and it is not a broker-dealer, investment adviser or FINRA member. Options trading involves risk and past results do not guarantee future performance. What you do with the numbers is entirely your call.

What does PremiumGuardHQ not do?

It is not a trading platform, a screener, or a source of live options chains and greeks. There is no backtesting, no paper trading, no copy trading, and no signals. It does not tell you what to trade. It is a read-only analytics layer that sits on top of the trading you already do, and it is deliberately narrow: the wheel strategy, done properly, rather than everything done shallowly.

What is PremiumGuardHQ used for?

PremiumGuardHQ is Financial Analysis Software. PremiumGuardHQ offers the following functionalities: