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Covered calls are simple. The tools aren't.

Options platforms are built for traders. Income Factory is built for people who own stocks and want income — nothing more.

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Scanning options chains for the right strike

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Calculating delta and expiration timing

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Checking earnings and dividend dates before every trade

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Deciding when to roll, close, or sit tight

Every Friday Morning

We tell you exactly what to do — in plain English

No options chain. No Greek-letter math. 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 — Close for profit

AAPL — Buy back the $270 call expiring March 21 for approximately $0.30/contract ($60 total).

You've already captured 88% of the premium · Frees the position for the next cycle
Still worth closing at up to $0.55/contract. If above, let it ride to expiration.
⏭ NVDA — Skip this week. Earnings March 5 creates elevated assignment risk.
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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
Holding Shares Classification Strategy Call Status Est. Annual
MSFT
Microsoft Corporation
200 Moderate M Covered
$405c 3/14 $5,765
NVDA
NVIDIA Corporation
300 Growth / Volatile M Open
No active call $1,803
AAPL
Apple Inc.
200 Stable / Income M Covered
$270c 3/7 $3,210
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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. On Plus, override the strategy per holding for fine-grained control.
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
~$11,500/yr
Moderate ✓
Delta 0.25 · ~25% assignment
~$16,100/yr
Aggressive
Delta 0.35 · ~35% assignment
More premium per trade — but frequent assignments reduce total income. Most portfolios earn more on Moderate.
Your strategy applies to all holdings — change it anytime.
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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 — Expiring this week

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

Three paths from here: let it assign (your shares sell at $265 and you keep the premium), roll it (buy this call back and sell a later one — check the net cost at your broker), or buy it back to keep the shares and remove the cap.

Assignment here is a profitable outcome · We lay out the numbers for each path
Whichever path you pick, it's your call. We show what each one costs and what it keeps — assignment locks in a gain at $265, rolling keeps the shares if the math works at your broker, closing removes the cap. You decide; nothing happens by default except expiration.
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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
$16,100
~$1,342/mo
Income YTD
$4,215
9 trades closed
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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

Learn the options vocabulary as you go

You don't need to memorize options jargon before getting started. Our Learn section walks you through every concept the engine surfaces — click through whenever a term needs more context.

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The Learn section explains every options concept in plain English. Browse our Learn section to brush up on Delta, DTE, IV rank, theta decay, and more — written for income investors, not options traders.

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