Independent ideas. Real curiosity.
Financial
Innovation Lab.
Big questions.
Ideas worth building.
Original thinking about protection, access, markets, and the long view. Six projects by Nelson Ryan Knill, each with a different question at its heart.
Pick a door. Follow the thinking.
06Projects to explore
03Proposed product designs
02Market research projects
01Fantasy-money classroom
The project collection
Enter the lab.
Explore the ideas, try the tools, and see how each project takes shape.
ResearchIndex research
Blue Sapphire Index
Growth. Drawdown. The long view.
Explore an original rules-based index, its historical modeled research, and its comparison with the S&P 500.
A research publication with the evidence and its limits in view.
Explore the research
Product conceptProposed life insurance
Neelvana IUL
The life behind the white coat.
A physician-focused design connecting permanent protection, care benefits, and policy funding support during disability.
An indexed universal life concept. Not available for purchase.
Explore Neelvana
Product conceptProposed annuity
Neeluna FIA
A smaller beginning. A bigger idea.
A fixed indexed annuity concept built around a $100 start, $10 additions, and one original surrender year.
Explore the proposed benefits, crediting choices, and access rules.
Explore Neeluna
Product conceptProposed credit account
mYdiss Account
Two numbers. Two different jobs.
A proposed $100,000 credit line with a permanent $12 monthly purchase cap, exploring a different approach to credit building.
The line is not $100,000 to spend. See the design and conditional calculator.
Explore the account
Research toolMarket research dashboard
IRONelson Market Instability Tracker
Look beneath the headline.
A cross-asset dashboard for exploring market pressure, model signals, scenario maps, and the data behind each reading.
Feed status distinguishes external quotes from stored fallback values.
Open the tracker
Fantasy-money classroomKids & family education
Teaching Kids to Invest w/1Mask
Fantasy money. Real lessons.
Learn with Mbiu Pac, our fictional 1Mask teacher. Ten small lessons introduce investing, ETFs, risk, fees, and thinking long term. Explore a seven-ETF fantasy portfolio, a 30-year time lab, and annual rebalancing practice.
No real money needed. Younger learners: bring a trusted grown-up.
Learn with 1MaskA note from Nelson
Curiosity starts it.
The work gives it shape.
I like asking whether familiar financial ideas could work differently. Sometimes that becomes a product concept. Sometimes it becomes a research index, a market dashboard, or a long-running fantasy experiment.
This is where those projects live. Each page opens up the thinking, the mechanics, and the questions that still need answers.
Nelson Ryan Knill