Equity Risk Sciences™ is the only independent, conflict-free stock risk rating agency in America — with 40 years of data, a 25-year formal study, and a mandate to make investing safer for every ordinary investor.
| $30T+ | Retail investment assets with no independent risk rating |
| 21% vs. 9% | ERS annualized return vs. S&P 500 — 25-year study |
| 40 Years | Proprietary data history underlying the nine rating systems |
| 128M | American investors with no independent risk framework |
| 15,870 | Registered RIA firms — all required to act in clients' best interest |
| 91% | Of bankruptcies flagged by ERS two full years before failure |
| 13 Years | S&P 500 recovery time from 2000 peak — after falling 49%, then 57% |
| SAFE | Investment instrument — Simple Agreement for Future Equity |
Every drug is tested before it reaches patients. Every car is crash-tested. Not one of the 5,000+ stocks held in American retirement accounts carries an independent risk rating. Wall Street has spent decades lobbying Congress to ensure it is never required to provide one.
The S&P 500 fell 49% between 2000 and 2002, then fell another 57% between 2007 and 2009, and took 13 years to recover from its 2000 peak. No advisor was required to warn clients before either collapse. None faced accountability afterward.
A 65-year-old with $800,000 who loses 40% cannot wait 13 years. They are selling into a declining market to pay living expenses — permanently impairing capital that was supposed to last a lifetime. This was not unforeseeable. It was simply unmeasured — by design.
Insurance companies have protected savings for 200 years using one method: measure which risks are more likely to materialize, and manage exposure accordingly. They do not know which house will burn. They know which ones are more likely to — and price and manage risk accordingly.
ERS applies the same actuarial logic to equities. We do not predict which stocks will fall. We identify — through 40 years of data and a formal 25-year study — the financial characteristics present in stocks before they fall: weak balance sheets, unsustainable valuations, deteriorating price trends.
ERS operates nine proprietary rating systems — FSN, LI, PRI, 4D, V1, PRC, WMH, GMR, and TTR — each measuring a distinct dimension of equity risk across all 5,000+ publicly traded U.S. securities.
Full methodology at ERS.ai →Past study results do not guarantee future performance. ERS does not predict prices or recommend individual securities. Full study details and independent verification at ERS.ai/proof.
See The Proof™ — 433,500 validated ratings →"Show me the incentives, and I'll show you the outcome."
— Charlie Munger · Psychology of Human Misjudgment · Harvard, 1995
Every registered investment advisor is legally required to act in clients' best interest. Not one currently has access to an independent, conflict-free risk rating for every security they recommend. That gap is ERS's market.
No Wall Street firm can produce what ERS produces. The moment any risk rating agency accepts AUM fees or fund relationships, its independence is compromised and its product is worthless. ERS's conflict-free structure is not a marketing position. It is the product.
| Stream | Model | Market |
|---|---|---|
| ValueRatings.com | Consumer subscriptions — risk ratings for individual investors | 128M investors |
| RIA Licensing | Annual license per firm — fiduciary documentation tool | 15,870 RIAs |
| Institutional | Suitability scoring for ETF providers, 401(k) platforms | $30T market |
| Legal / Expert | ERS ratings as evidence in investor protection litigation | Rapidly growing |
| Legislative | If ERS-style disclosure becomes law, every RIA is a licensee | Entire industry |
In 1978, recruited by New York Life in my mid-twenties, I chose equities over insurance products — because they were exciting, clients wanted them, and the technology economy seemed limitless. I took risks I did not fully understand on behalf of clients who understood them even less.
In 2000, I submitted formal reports to the SEC warning that GE and Cisco — then the two most valuable companies in the world — had produced misleading earnings. Three weeks later, Barron's published a major exposé. Both stocks collapsed. Wall Street analysts kept issuing buy recommendations throughout the decline.
ERS was built on the 40 years of education that followed — to measure what I once simply felt, and to give every fiduciary the independent data they need to do the job they are legally required to do.
Our one-page summary covers the problem, the solution, the market, and the track record. The full five-page investor brief includes market analysis, revenue model, Why Now, and SAFE note terms.
The numbers make the case. If you'd like to discuss the opportunity directly —
or be included in future updates on the ERS capital raise — we'd like to hear from you.
Equity Risk Sciences™ is America's Independent Stock Risk Rating Agency™. ERS does not provide investment advice, manage client assets, or recommend the purchase or sale of any security. The 21% annualized return figure referenced on this page was generated using ERS's rating methodology applied retrospectively over 25 years; it does not constitute a guarantee or projection of future performance. The compound growth figures shown ($8.6M vs. $862K) are mathematical illustrations of the stated annualized rates applied over 25 years and do not represent actual client returns. Independent verification of ERS study results is available at ERS.ai/proof. This page contains forward-looking statements subject to material risks and uncertainties. This offering is available only to accredited investors as defined under Rule 501 of Regulation D. 10 Dorrance Street, Suite 500, Providence, Rhode Island 02903 · ERS.ai · 401-450-4040