Inflation
Rising prices shrink what every saved dollar buys: a little each year, then a lot.
Investment research & consulting
Diversified strategy for an inflationary world
First Materia helps small business owners and independent investors prepare for runaway inflation and financial repression, with diversified strategies that are tested before they're trusted, researched and designed with frontier AI.
The problem
Cash that sits still loses ground
When interest rates are held below inflation, which economists call financial repression, savings lose buying power every year. Heavily indebted governments have leaned on it before, and it has lasted for decades. Business reserves and personal savings feel it first.
Financial repression
Rates kept below inflation turn “safe” savings into a slow, steady loss.
Concentration
One asset, one sector or one currency can carry far more risk than it looks.
Our approach
Diversified by design, tested before trusted
No single asset wins every decade. We build strategies across assets that respond differently to inflation, interest rates and currency swings, including stocks, bonds, cash, precious metals and digital assets, so no single bet decides the outcome.
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Written down first
Every idea's rules and pass mark are written down before it is tested, so results can't be bent to fit.
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Tested on unseen years
Strategies are tuned on one stretch of market history and judged on years they never saw.
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Checked against chance
A result only counts if it beats random choices made the same way. Most ideas fail, and we drop them.
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Built with frontier AI
AI does the heavy research across decades of prices and thousands of companies. A person makes every decision.
Services
How we can help
Business owner consultations
For owners with cash reserves or retained earnings: a plain-language plan for keeping operating money ready and putting the rest to work.
Investor strategy sessions
For individuals with modest capital: a diversified plan sized to your goals, timeline and comfort with risk, simple enough to follow without watching markets all day.
Custom research
Have a rule, signal or rebalancing idea you want tested? We test it the way we test our own, and tell you plainly whether it held up.
The name
Why First Materia
In alchemy, the prima materia, the first matter, is the raw material every transformation starts from. For a business owner or an investor, that's your capital. Our work is helping it keep its value and grow, whatever the economy does next.
Contact
Start with a conversation
Tell us a little about your business or your goals, and we'll set up a time to talk.
patrick@firstmateria.com