How It Works — Income Factory

Every Friday Morning

We tell you exactly what to do — in plain English

No options chain. No greeks. Just a clear analysis for each stock you own, with the dollar amount you'll collect.

incomefactory.ai/updates

This week's analysis — Feb 28, 2026

✅ Sell to open

MSFT — Sell the $405 call expiring March 14 for approximately $3.12/contract ($624 total on 200 shares).

Delta 0.18 · 14 DTE · IV rank 42% · Moderate strategy

Still a good trade if you can get at least $2.40/contract ($480 total)

✅ Sell to open

META — Sell the $625 call expiring March 21 for approximately $8.15/contract ($815 total on 100 shares).

Delta 0.28 · 21 DTE · IV rank 58% · Aggressive strategy

Still a good trade if you can get at least $5.90/contract ($590 total)

⚠️ Action needed — Roll

AAPL — Roll to the $270 call expiring March 7 for a net credit of $1.42/contract ($284 total).

Rolling up $5 and out 7 days · Avoids assignment · Collects additional premium

Still worth rolling if net credit is at least $0.80/contract. If below, let it assign.

⏭ NVDA — Skip this week. Earnings March 5 creates elevated assignment risk.

1

Every analysis result is a complete instruction. Stock, contract, price, dollar amount — everything you need to place the trade at your broker in 60 seconds. The green "floor price" line tells you the minimum acceptable premium if you're trading later in the day and prices have moved. Above the floor? Go for it. Below? Skip and wait for next week.

Without Income Factory

Open your broker's options chain

Scan dozens of strike prices and expirations

Look up current IV and calculate delta

Decide if premiums are worth it this week

Check if earnings are coming up

Place the trade and hope you picked well

With Income Factory

Open your Friday email

Read the analysis

Check the price is above the floor

Place the trade at your broker

Collect your premium ✓

Personalized to your portfolio

Every stock gets the treatment it deserves

We know that NVDA needs different handling than Microsoft. Your portfolio gets individual analysis based on each stock's volatility, beta, and behavior — not one-size-fits-all advice.

incomefactory.ai/portfolio

Your Strategy CMA

MSFT
Microsoft Corporation

200 Moderate M Covered
$405c 3/14 $7,891

NVDA
NVIDIA Corporation

300 Growth / Volatile M Open
No active call $5,472

AAPL
Apple Inc.

200 Stable / Income M Covered
$270c 3/7 $5,262

2

NVDA is auto-classified as "Growth / Volatile" based on its high beta and IV. AAPL, being more stable, gets classified as "Stable / Income" where higher coverage is safe. Your portfolio-wide strategy (Conservative, Moderate, or Aggressive) sets the risk level for all holdings — change it anytime with one click.

You're in control

Dial your risk up or down with one click

Your portfolio strategy controls how aggressively we target income across all your holdings. Pick your comfort level and see the income tradeoff instantly.

incomefactory.ai/portfolio

Your Strategy

Applies to all holdings in your portfolio

Conservative

Delta 0.15 · ~15% assignment

~$12,180/yr

Moderate ✓

Delta 0.25 · ~25% assignment

~$18,625/yr

Aggressive

Delta 0.35 · ~35% assignment

~$24,910/yr

Your strategy applies to all holdings — change it anytime.

3

See the income tradeoff before you commit. Each strategy level shows estimated annual income across your whole portfolio so you can make an informed choice. Higher income means higher assignment probability — we show you both numbers so there are no surprises. Change anytime; your next analysis adjusts automatically.

We watch so you don't have to

When a position needs attention, we tell you

Income Factory monitors every open position. If something needs your attention — a roll, a close, or a skip — you'll know Friday morning with a clear action plan.

incomefactory.ai/updates

⚠️ Action needed — Roll

AAPL — Your $265 call expiring today is in the money ($266.40)

Roll to the $270 call expiring March 7 for a net credit of $1.42/contract ($284 total on 200 shares).

Rolling up $5 and out 7 days · Avoids assignment · Collects additional premium

Still worth rolling if net credit is at least $0.80/contract. If below, let it assign.

Why roll instead of letting it assign? You'd sell at $265 (a profit), but rolling lets you keep your shares, collect $284 in additional premium, and move the strike to $270 — giving your position more room to run. It's usually the better move when a net credit is available.

4

We don't just tell you what — we tell you why. Every action analysis includes the reasoning so you learn as you go. Over time, these explanations build your intuition for how covered calls work in different market conditions.

Track every dollar

Confirm trades with one click. Watch your income grow.

After you place a trade, come back and mark it done. We prefill the details — you just confirm the actual price. Every dollar of premium is tracked.

incomefactory.ai/updates

✅ MSFT — Sell to open

Sell the $405 call expiring March 14 · $3.12/contract · $624 total

✓ Done

Logged Feb 28 · 2 contracts · $3.12/contract · $624 total

✅ META — Sell to open

Sell the $625 call expiring March 21 · ~$8.15/contract · $815 total

▾ Confirming...

Confirm your META trade

Contract: Qty: Actual price: Total: $815

Floor: $5.90/contract — if you got less, consider skipping

incomefactory.ai/portfolio

Holdings

5

4 eligible

Portfolio Value

$287,431

Est. Annual

$22,840

~$1,903/mo

Income YTD

$4,215

9 trades closed

5

One-click trade confirmation with editable details. We prefill the contract info from the analysis — you just verify the actual price you got and hit confirm. Your dashboard tracks every dollar: year-to-date income, estimated annual income, and complete transaction history with full audit trail.

Learn as you go

Every unfamiliar term is explained right where you see it

You don't need to memorize options jargon before getting started. Terms in your analysis are linked to plain-English explanations — hover for a quick definition, click for the full guide.

incomefactory.ai/updates

MSFT — Sell the $405 call expiring March 14 · $3.12/contract · $624 total
The probability (~18%) your shares get called away. Lower delta = more conservative. Learn more → Delta 0.18 · 14 DTE · IV rank 42% · Moderate strategy

6

Hover any dotted term for a quick definition. Click through for the full explanation in our Learn section. After a few weeks, you'll find you don't need the tooltips anymore — but they're always there when you want a refresher.

What's the catch?

There isn't one. We plan to make money by offering optional premium features for power users — things like weekly trade ideas and per-stock strategy tuning. The core experience you see today will always be free.

See what your stocks could earn

Enter the stocks you already own. Get a personalized income estimate in under 2 minutes. Free forever.

See What You Could Earn →

Covered calls are simple. The tools aren't.

We tell you exactly what to do — in plain English

Every stock gets the treatment it deserves

Dial your risk up or down with one click

When a position needs attention, we tell you

Confirm trades with one click. Watch your income grow.

Every unfamiliar term is explained right where you see it

What's the catch?

See what your stocks could earn