---
title: Research | Eddy Wealth
description: Read Eddy Wealth research on Navette OS, recovery horizon, retirement time, factor investing, and the Margaret Number your advisor may never have shown you.
---

[![Eddy Wealth logo](https://eddywealth.com/hubfs/raw_assets/public/eddy-wealth/images/ew-logo-icon-colored.png) ![Eddy Wealth logo](https://eddywealth.com/hubfs/raw_assets/public/eddy-wealth/images/ew-logo-icon-colored.png) Eddy Wealth Retirement. Measured in years.](https://eddywealth.com/?hsLang=en)

[Navette OS™](https://eddywealth.com/navette-os?hsLang=en) [Our Approach](https://eddywealth.com/our-approach?hsLang=en) [About](https://eddywealth.com/about?hsLang=en) [ACPI](https://eddywealth.com/acpi?hsLang=en) [Research](https://eddywealth.com/research) [Blog](https://eddywealth.com/blog?hsLang=en)

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Research

# The Article, the Foundations, and the Ongoing Work Behind Navette OS™

This is where Eddy Wealth houses the flagship article, the academic foundations, supporting pieces, and the transcripts that help families understand retirement through the lens of time.

Featured

## The Number Your Advisor Has Never Shown You

The flagship Eddy Wealth article explains why performance is not the right unit for retirees, why spouse exposure belongs in every serious retirement conversation, and how the Margaret Number™ makes that gap visible in years.

Read the flagship article See how your time looks

Archive

The research archive houses notes, transcripts, and supporting editorial pieces built around the same core question: how long?

Academic foundations

## Peer-validated building blocks. Proprietary diagnostic.

The RRH™ and SRH™ frameworks are built on Grinold-Kahn alpha decomposition and Hoffstein-Sibears recovery horizon research, extended to decumulation by Art Johnson and independently validated by academic reviewers, mathematicians, and leading quantitative researchers.

01

Foundation

### Grinold-Kahn alpha decomposition

The core academic building blocks remain visible without turning the public site into a formula sheet.

02

Extension

### Hoffstein-Sibears recovery horizon research

The logic is extended into retirement decumulation, where time matters more than benchmark theatre.

03

Boundary

### Diagnostic shared. Recipe protected.

Eddy Wealth can explain what the instrument measures without revealing the proprietary implementation.

![resized_under_1mb (2)-1](https://eddywealth.com/hubfs/resized_under_1mb%20(2)-1.jpg)

Ongoing work

## Research notes, transcripts, and validator perspectives.

Research gives families a plain-language path from the academic foundations to the lived retirement questions Navette OS™ is designed to answer.

Browse the research archive

[![Eddy Wealth logo](https://eddywealth.com/hubfs/raw_assets/public/eddy-wealth/images/ew-logo-icon-colored.png) ![Eddy Wealth logo](https://eddywealth.com/hubfs/raw_assets/public/eddy-wealth/images/ew-logo-icon-colored.png) Eddy Wealth Inc. Retirement. Measured in years.](https://eddywealth.com/?hsLang=en)

Other advisors measure performance. We measure time.™

Calm water. Measured in years.

## Useful Links

- [Home](https://eddywealth.com/?hsLang=en)
- [Navette OS™](https://eddywealth.com/navette-os?hsLang=en)
- [Our Approach](https://eddywealth.com/our-approach?hsLang=en)
- [About](https://eddywealth.com/about?hsLang=en)

## Explore

- [ACPI](https://eddywealth.com/acpi?hsLang=en)
- [Research](https://eddywealth.com/research)
- [Blog](https://eddywealth.com/blog?hsLang=en)
- [Start Here](https://eddywealth.com/start-here?hsLang=en)

## Get In Touch

- [Ready to see your time? Start with 15 minutes.](https://eddywealth.com/start-here#time-portrait-ai-intake)
- [Begin Your Time Portrait](https://eddywealth.com/start-here#time-portrait-ai-intake)
- [Return to top](https://eddywealth.com/research#top)