Joel Litman’s Timetable Investor Review

In the chaotic financial landscape of 2025, where markets have seen a $12 trillion crash and investors are grappling with uncertainty, Joel Litman, a seasoned CPA and Wall Street veteran, steps forward with a bold promise. His Timetable Investor service, centered around what he calls “The 3-Stock Secret,” claims to offer a simple yet powerful strategy that transformed his mother from a broke divorcee into a millionaire with gains as high as 3,400%.

With endorsements from friends, family, and even a nod to Warren Buffett’s investment philosophy, Litman’s approach has piqued curiosity. But is it legitimate, or just another overhyped financial pitch? Our review dives deep into Litman’s claims, his Timetable Investor service, and the “3-Stock Secret” to determine if it’s a game-changer or a gamble.

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Who Is Joel Litman?

Joel Litman is no stranger to the financial world. A Certified Public Accountant (CPA) and member of the Global CFA Institute, Litman has built a formidable reputation over a 30-year career. Starting in 1991 with tax work for Chicago’s top traders, he climbed the ranks at prestigious firms like Deloitte, Credit Suisse First Boston, American Express, PriceWaterhouseCoopers, KPMG, and Ernst & Young. His expertise in forensic accounting led him to co-found Altimetry, a research firm that analyzes 130 earnings data points across 6,000+ U.S.-listed companies, serving giants like BlackRock, Vanguard, and Goldman Sachs. Litman’s claim that one client paid $100,000 for a single stock report underscores his influence among high-net-worth investors.

His personal story adds a compelling layer. Raised in Waterville, Maine, Litman witnessed his father, a medical doctor, lose vast sums to poor investments peddled by brokers, leading to family strife and financial hardship. This experience shaped Litman’s mission to protect investors from Wall Street’s misleading advice. His mother’s success, allegedly turning modest investments into millions using the “3-Stock Secret,” serves as his flagship example. But does his track record and strategy hold up under scrutiny?

The 3-Stock Secret: What Is It?

At the heart of Timetable Investor is the “3-Stock Secret,” a strategy involving just three investments: “The World’s Greatest Stock Fund,” a “Better Than Cash” asset, and the “Banker’s Reserve.”

Litman argues that this trio can deliver extraordinary returns with minimal risk, even in volatile markets like 2025’s. Unlike traditional diversification requiring dozens of stocks, Litman’s approach focuses on simplicity, claiming it outperforms hedge funds, mutual funds, and most individual stocks. He cites his mother’s 3,400% gains, his friend Tom’s 400% portfolio increase, and his business partner Rob Spivey’s doubled retirement portfolio as proof.

Investment #1: The World’s Greatest Stock Fund

The cornerstone of the strategy is “The World’s Greatest Stock Fund,” which Litman claims holds the world’s best businesses with unmatched earnings potential. Backed by Altimetry’s forensic accounting, this fund reportedly outperforms high-flyers like Microsoft, Nvidia, and Amazon, as well as conservative stocks like Walmart.

Litman highlights its performance, beating the S&P 500 by 300% over decades and surpassing the “Magnificent 7” tech stocks in multiple years, including 2023 and 2021. With 40% international revenue, it hedges against a falling U.S. dollar, and its low 0.03% annual fee makes it a cost-effective powerhouse. Notably, Warren Buffett reportedly plans to allocate 90% of his non-Berkshire Hathaway wealth to a similar fund, and Litman claims Buffett netted $11 million on a single trade within it.

Investment #2: Better Than Cash

The second component, dubbed “Better Than Cash,” is a low-risk, high-yielding asset that operates independently of stock market volatility.

Litman describes it as having a ticker symbol, purchasable in any brokerage account, yet immune to market crashes. During the March 2025 market drop, this asset reportedly didn’t lose value and delivered consistent monthly yields. While specifics are vague, Litman emphasizes its role in shielding wealth, making it a stabilizing force in the portfolio.

Investment #3: Banker’s Reserve

The third investment, “Banker’s Reserve,” also operates outside stock market fluctuations, offering robust monthly dividends that compound wealth. Like the “Better Than Cash” asset, it’s accessible via brokerage accounts but designed to grow steadily without market exposure.

Litman likens these two investments to supporting players in a basketball team, with the stock fund as the star (Michael Jordan) and these assets providing steady income and stability (like Scottie Pippen and Dennis Rodman).

The Allocation Strategy

The magic of the “3-Stock Secret” lies in combining these investments optimally. Litman’s Wealth Foundation Tool, an online worksheet, helps investors calculate how much to allocate to each based on their financial situation. While he doesn’t specify exact percentages, he suggests the stock fund takes the lion’s share for growth, with the other two providing stability and income. This balance aims to capture the market’s biggest single-day gains—crucial for long-term returns—while minimizing downside risk.

The Timetable Investor Service: What You Get

Timetable Investor is the vehicle for accessing the “3-Stock Secret.” For a subscription cost (previously $2,500 at conferences, now discounted), subscribers receive:

The 3-Stock Secret Report: Details the three investments, their ticker symbols, allocation recommendations, and timing strategies for deployment.

Monthly Timetable Investor Updates: Guidance on managing the three investments, including any adjustments based on market conditions.
Hidden Alpha Newsletter: Monthly updates on shorter-term, large-cap stock trades to boost returns, with four recommended trades at signup.
The 200% Stock Market Boost Report: A bonus outlining how to enhance stock fund returns by allocating 10-20% to Altimetry’s high-potential, shorter-term trades (e.g., PayPal’s 112% or eXp World Holdings’ 859% gains).
Altimetry Lite Database: A simplified version of Altimetry’s system, grading S&P 500 stocks from A to F based on earnings and valuations.
Mystery Bonus: An undisclosed gift, valued at $2,499, promised to transform wealth.

A 30-day money-back guarantee ensures a risk-free trial, with a Maryland-based customer service team handling refunds. Litman emphasizes ease of setup, claiming even his mother and childhood friend implemented it in hours.

The Altimetry Edge: Forensic Accounting

Litman’s strategy hinges on Altimetry’s forensic accounting, analyzing 130 earnings data points across 6,000+ U.S. companies. This system identifies “earnings distortions” where Wall Street underestimates a company’s true earning power, leading to outsized gains. Examples include:

Advanced Micro Devices (AMD): Recommended in 2015 when analysts predicted bankruptcy, it soared 6,000%.
Charles River Laboratories (CRL): Gained 926% after Altimetry’s buy recommendation.
Intuitive Surgical (ISRG): Returned 806% against Wall Street’s bearish outlook.
Meta Platforms (Facebook): Surged 1,300% after Altimetry flagged its potential.
eXp World Holdings: Skyrocketed 859% in under a year.

Altimetry’s top 30 picks reportedly outperformed the S&P 500 by 300%, with 16 stocks doubling in a single year post-2020 crash. The Altimetry Lite tool lets subscribers analyze S&P 500 stocks themselves, spotting winners and avoiding losers (47 of 54 warned stocks dropped, many by 90%+).

Why Timing Matters

Litman’s core argument is that capturing the market’s biggest single-day gains is critical. He cites a 20-year study showing that missing the S&P 500’s 10 best days halves returns, and missing 60 days results in losses.

The April 2025 9.5% S&P 500 surge, the third-largest since World War II, underscores this. Litman argues that constant trading or market timing fails 99% of investors, as evidenced by Morningstar’s data showing 92% of actively managed funds underperforming the S&P 500. His solution: stay invested in the “3-Stock Secret” to capture these gains without stress.

Litman’s Critique of Wall Street

Litman argues that Wall Street’s conventional wisdom—like the “100 minus your age” rule for stock-bond allocation—costs investors millions. He claims a 55-year-old with $500,000 following this rule missed over $1 million in gains over 15 years, and a 70-year-old lost $130,400 in five years.

He also critiques active trading, noting that in 2019-2024, the average investor underperformed the market every year, and in 2008, one in four households lost 75%+ of their net worth. Litman positions the “3-Stock Secret” as a low-maintenance alternative, avoiding overpriced advisors and funds.

The Buffett Connection

Litman aligns his strategy with Warren Buffett, claiming Buffett plans to use a similar approach for 90% of his non-Berkshire wealth, as outlined in his 2013 will. The “World’s Greatest Stock Fund” mirrors Buffett’s choice, and Litman notes Buffett’s $11 million gain on a single trade within it. He also cites other investing legends—Charlie Munger, John Bogle, Jeremy Siegel, Burton Malkiel—who allegedly endorse similar principles, lending credibility to his approach.

Why Not Real Estate?

Litman’s decision to rent rather than own a home is a bold statement. As a CPA, he argues that real estate (residential, commercial, or rental) can’t match the returns of his three stocks. By renting in his favorite cities, he frees up capital for investing, claiming he’d lose millions by tying money up in property. While he doesn’t expect subscribers to follow suit, he uses this to illustrate the power of his strategy, which prioritizes liquidity and high returns.

Is Timetable Investor Legit?

Strengths

Proven Track Record: Litman’s Altimetry has delivered impressive results, with picks like AMD (6,000%), CRL (926%), and ISRG (806%). The claim of beating the S&P 500 by 300% is compelling, though past performance isn’t a guarantee.
Forensic Accounting Edge: Altimetry’s 130-point analysis offers a unique advantage, identifying undervalued stocks before Wall Street. The Altimetry Lite tool empowers subscribers to verify picks independently.
Simplicity: The three-investment strategy is easy to implement, requiring minimal maintenance, as evidenced by Litman’s mother and friend’s success.
Low Fees: The “World’s Greatest Stock Fund” charges just 0.03% annually, far below the 1-2% of typical advisors or funds.
Buffett Endorsement: Alignment with Buffett’s philosophy adds credibility, though details of his will are not fully verified here.
Guarantee: The 30-day money-back guarantee reduces risk, allowing subscribers to test the strategy.

Who Is It For?

Timetable Investor suits investors seeking simplicity and high returns without active trading. It’s ideal for:

Busy Professionals: Like Litman and Rob Spivey, who want passive growth.
Retirees: Like Litman’s mother, seeking low-maintenance wealth-building.
Skeptical Investors: Those wary of Wall Street’s high fees and poor advice.
Active Traders: The 200% Stock Market Boost appeals to those willing to trade 10-20% of their portfolio.

It may not suit those needing immediate income, as the strategy emphasizes long-term growth, or those unwilling to pay for unproven results.

The Verdict

Joel Litman’s Timetable Investor is a compelling proposition, blending forensic accounting, a simple three-investment strategy, and a strong track record. The “3-Stock Secret” leverages Altimetry’s ability to spot earnings distortions, delivering outsized gains like AMD’s 6,000% and Meta’s 1,300%. Testimonials, while not typical, suggest transformative potential, and the Buffett connection adds gravitas. The low-fee stock fund, stable income assets, and Altimetry Lite tool offer a unique package, especially with a 30-day guarantee.

Conclusion: A Path to Financial Freedom?

In a market rife with confusion, Joel Litman’s Timetable Investor offers a beacon of simplicity and potential. The “3-Stock Secret” promises to capture the market’s biggest gains while shielding wealth from volatility, backed by Altimetry’s forensic prowess and Litman’s 30-year career. While not without risks, the strategy’s alignment with Buffett’s principles, low fees, and robust tools make it a strong contender for investors seeking a better way.

Join here before the next big market move to see if it can transform your financial future, as it did for Litman’s mother and friends.