25 years of validated predictions. 433,500+ ratings tracked. Zero conflicts of interest. Built for fiduciaries who demand defensible process and superior outcomes.
Investors lost over $26 trillion in the last three market crashes. Not because crashes are unpredictable—but because Wall Street doesn't measure or disclose loss probability.
Pharmaceuticals must disclose every risk. Stocks face no such requirement. The industry operates on narrative and opinion, not science and probability.
Source: Federal Reserve Flow of Funds, ERS analysis
ERS delivers what S&P and Moody's provide for bonds—independent, validated risk ratings—but for stocks. A measurable, testable, auditable framework built on 12 years of development and 25 years of validation.
9 proprietary ratings including FSN™, Loss Indicator™, and 4D Risk™ measure statistical probability and magnitude of stock price changes across 3,000+ companies.
Upload client portfolios and receive instant risk assessments. Identify hidden vulnerabilities before they become losses with quantitative precision.
Every recommendation includes documented rationale—clear, auditable evidence of the disciplined process you've outlined in your ADV Part 2A.
Continuous monitoring with real-time alerts when risk metrics change. Don't wait for quarterly reviews—know when risk shifts immediately.
Three curated portfolios—Resilient Value, Resilient Income, Small-Cap Growth—built using our validated ratings. Live performance tracked and independently verified.
We welcome audits. Submit any 2 of our 9 proprietary ratings to McKinsey, PwC, or Deloitte for independent verification. We don't hide behind black boxes.
Our FSN™ (Fiduciary Stock Navigator) rating has been tracked across 433,500+ data points from 2000 to 2025. The results speak for themselves.
December 31, 2000 to December 31, 2025 • 433,500 ratings sampled
Stocks rated A+ delivered average annual returns of 33.3%—more than 4x the S&P 500.
Stocks rated F produced negative average returns. The ratings clearly separate winners from losers.
Our Loss Indicator™ flagged 91% of eventual bankruptcies at least 2 years before failure.
Founder & CEO
Ray Mullaney has spent nearly five decades developing quantitative methods to protect investors. His track record of documented, public predictions—validated by market outcomes—demonstrates the difference between science and speculation.
We're not another research platform. We're the only independent stock risk rating agency with validated predictions.
| Capability | ERS | Wall Street Research | Morningstar | DIY Analysis |
|---|---|---|---|---|
| Independent (Zero Conflicts) | ✓ | ✗ | Partial | ✓ |
| 25+ Year Validation | ✓ | ✗ | ✗ | ✗ |
| Quantified Loss Probability | ✓ | ✗ | ✗ | ✗ |
| Fiduciary Documentation | ✓ | ✗ | Partial | ✗ |
| Real-Time Risk Alerts | ✓ | ✗ | Partial | ✗ |
| Open to Third-Party Audit | ✓ | ✗ | ✗ | N/A |
| Bankruptcy Early Warning | ✓ (91%) | ✗ | ✗ | ✗ |
Schedule a demo and we'll show you how our ratings would have performed on your actual portfolio.