From Jared Dillian and Adam Crawford…
Heartland Investor:
Your Guide to the Market’s Next Outperformers
Sky-high P/Es, meme stocks, NVIDIA being 8% of the S&P… this is not your grandfather’s stock market. It’s a market that’s highly imbalanced and increasingly fragile, and unless you think this time really is different, it’s time to start investing in “boring” stocks that aren’t on CNBC.
Enter Heartland Investor, a new service from Jared Dillian Money. Jared brings sentiment and technical analysis, while Adam – his long-time analyst – delivers deep fundamental analysis. Together, they bring you undervalued stocks with strong balance sheets and in stable industries.
Yep, they’re on team “Make Fundamentals Great Again.”
We’ve Seen This Movie Before (And the Ending is U.G.L.Y.)
Right now, the S&P 500 technology sector accounts for 33.9% of the entire S&P 500's market value. That’s the largest share since March 2000.
March 2000… what happened the—oh.
The height of the dot-com bubble. Back then, investors thought the big names were untouchable, too… right before the S&P dropped 50% and investors ran to the very companies they’d ignored.
We’ve seen this movie before.
And Jared thinks we’ve already hit ‘play’ on the re-run. He thinks capital will once again rotate out of growth and into durable, cash-generating businesses. The catalyst could be interest rate cuts, the reindustrialization of the US, a Mag 7 stumble… or something no one sees coming.
The point is, he’s saying we’re entering a period where fundamentals matter again: Stability matters, balance sheets matter, profits matter, P/Es matter.
Finding companies that are stable, have strong balance sheets, generate profits, are reasonably valued, have wide moats, and have no hidden gotchas isn’t easy (if it was easy, everyone would be doing that rather than chasing growth).
And that’s why Jared and Adam have teamed up to build Heartland Investor: to combine their strengths and bring you a portfolio of stocks that add a layer of “I can sleep at night” to your portfolio.
How Heartland Investor Puts You Ahead of the Rotation
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Under-the-Radar Stocks: One high-conviction, moat-strong company each month.
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Dual-Lens Conviction for Every Pick: Technicals and sentiment from Jared. Fundamentals from Adam. Two distinct perspectives agreeing on the same idea.
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Buy, Trim, Exit Guidance: Exact buy-up-to prices, upside targets, and timely alerts.
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Moat-Score Filter: Adam Crawford’s 100-point system screens out fragile businesses so you only hold companies with durable advantages.
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Built-In Risk Guardrails: Clear position-sizing and risk rules to keep drawdowns small and conviction high.
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Ongoing Portfolio Updates: Bi-weekly notes on earnings, sector trends, and moat-score changes so you’re never caught off guard.
If the Moat’s Weak, It’s a Pass
Today, the ‘bottom’ 2,000 companies in the Russell 3000 are near their lowest price-to-earnings ratio (P/E) in over 30 years. Buried in that bargain bin are some of the most resilient, cash-rich businesses in America, trading at valuations you only see once or twice in a generation. Of course, there’s a bunch of crap in there too – unfortunately, it’s not as simple as just buying the index.
Pick right, and you could be buying the next decade’s market leaders at 1990s prices. Pick wrong, and you’re stuck with the stuff that’s small for good reason.
Warren Buffett looks for “economic moats” that protect profits like castles behind water. But most investors can’t tell if a company’s moat is real until the damage is already in the share price.
Adam Crawford, the guy Jared Dillian calls “my secret weapon,” has turned the Oracle’s idea into a 100-point, 20-metric score so you can separate the fortresses from the effing disasters, and know which deserve a place in your portfolio.
A Look Behind the Curtain of the Moat Evaluator
Even household names can be traps without a true moat:
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Microsoft Corp. (98/100)
On the surface: Tech titan with dominant software franchises and a fortress of a balance sheet.
Under the hood: Perfect scores on recurring revenue, ROIC, and market share. Evidence its moat is rock-solid.
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Campbell’s Co. (65/100)
On the surface: Steady dividends and pantry staples you trust.
Under the hood: Zero points on gross margin and limited pricing power, indicating its once-reliable moat is crumbling.
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Pfizer Inc. (61/100)
On the surface: Blue-chip pharma with blockbuster drugs and generous yield.
Under the hood: Weak customer-satisfaction and return metrics shout vulnerability under the surface.
About Adam
A Missouri State grad and resident, Adam has spent the last decade turning footnotes and 10-Ks into market-beating stock ideas, proof that deep, roll-up-the-sleeves research, not fancy credentials, uncovers real opportunities. As Senior Equity Analyst at Jared Dillian Money, he built our 20-metric Moat Evaluator to quantify true competitive advantages and cash-flow powerhouse to Heartland Investor.
Bottom line: the Moat Evaluator adds a key quant layer to Heartland Investor, revealing strengths and weaknesses that fundamental or technical analysis alone can miss.
Adam runs every pick through the fundamentals gauntlet: which includes both the quantitative Moat Evaluator and his own qualitative research.
Meanwhile, Jared analyzes it through his technical and sentiment lens.
If the stock under the microscope doesn’t get a “yes” from both Jared and Adam, it never reaches you in Heartland Investor.
Sound good?
Heartland Investor:
Created With Your Input, Built for the Next Decade
When Jared and Adam were first discussing Heartland Investor, they wanted to make sure they built something that really helped subscribers. That’s why we sent out a survey about potential regime change – and clearly it struck a chord, with an incredible 3,200 responses. Those responses were telling:
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90% of respondents worry about today’s S&P concentration, and 35% call it “classic late-stage growth mania”
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Close to 80% are cautious or defensive
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The 3 areas most respondents said they’re interested in outside of the Mag 7 are dividend payers, sector-specific opportunities, and undervalued stocks.
And the comments in the survey gave us an even clearer signal. You asked for:
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Sector rotation plays that spot capital moves before the crowd
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Under-the-radar picks with a clear “why now” rationale for each
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Position sizing & risk rules to keep emotions, and drawdowns, in check
This tied in exactly with what we were already building with Heartland Investor.
Led by Adam Crawford, with Jared Dillian’s oversight and approval of every single pick, Heartland Investor is built for you, and built for the new market regime. That’s what makes it special.
And for you skim-readers out there (we see you), here’s what else makes it special:
Built to Outlast Hype
Only wide-moat, cash-generating businesses. No 100 P/E stocks trading at insane multiples. No meme stocks.
100-Point Moat Evaluator
Adam’s 0-100 score kicks out duds so only the hidden winners stay.
The Dillian–Crawford Double Check
Jared sets the macro timing, Adam nails the fundamentals: so every pick fits the market environment and passes a fundamentals stress test.
Deep-Deep-Dive Research
Margin, risk, and moat analysis, combined with technicals and sentiment, give the full story.
Fully Vetted, Fully Explained
One high-conviction pick every month, backed by the full story, a clear entry point, and our upside target.
Guardrails for High-Conviction Investing
Clear exit rules that keep conviction high and mistakes small.
Become a Member of Heartland Investor
Heartland Investor is for investors who can see that the market’s leadership won’t last forever… and who are tired of watching the same seven stocks get all the airtime.
It’s for people who’d rather get in early on tomorrow’s leaders than pile into yesterday’s winners. It’s for people who want their money working in resilient businesses, not just riding the latest wave. It’s for realists who know markets turn, and opportunists who plan to be standing where the money’s headed.
And it’s for the minority who are willing to think and act before the crowd.
But it isn’t for everyone. You probably know by now whether it’s for you.
If it is, we are pleased to invite you to join Heartland Investor.
The kind of deep analysis underpinning Heartland Investor is both time-consuming and expensive, which makes $1,495 a great deal.
But we’re focused on helping as many Jared Dillian Money readers as possible add this layer of analysis to their portfolio, as soon as possible.
Plus, if we’re going to extol the virtues of great businesses that are currently undervalued, we’d better put our money where our mouth is, eh?
Here’s what’s included in your membership:
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Monthly Issues: A high-conviction stock pick that passes the Dillian-Crawford check, delivered with a plain-English write-up on the last Wednesday of each month.
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Proprietary 100-Point Moat Evaluator: Every stock featured in Heartland Investor will go through Adam’s Buffett-inspired grading system, built on 20 hard metrics.
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Ongoing Portfolio Intelligence: Bi-weekly notes on earnings, deals, sector shifts, and moat-score moves across the Heartland Investor portfolio, so you’re never caught off guard.
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Member-Only Dashboard: A secure, mobile-friendly hub where you can read, track, and act on everything in Heartland Investor — whether you’re at your desk or on the go.
“Adam’s expertise is fundamental analysis, mine is technical and sentiment analysis, so we’re a great team.
He’s been my secret weapon for years, and now I want him to be your secret weapon too. You’re welcome.
Oh, and the guy lives in Missouri, of all places. Just how I like it. New York doesn’t have a monopoly on good ideas.”— Jared Dillian
And here’s what you’ll get access to upon joining today:
Your First Three Heartland Investor Stock Picks: Deep-dive write-ups on three high-conviction names, each with a clear thesis, valuation analysis, and portfolio allocation.
Heartland Kickstart Report: “This Is How We’re Going to Do It”: A step-by-step playbook for the coming rotation, plus Adam’s full stock-selection checklist, prereqs, priorities, real-world case studies, and precise sell triggers, so you know the game plan from Day 1.
Inside Adam’s JDM Moat Evaluator Report: A behind-the-scenes look at Adam’s 100-point, 20-metric system for scoring companies, and how it shapes every pick in Heartland Investor.
“Hopefully you now have a good idea of what Adam and I are up to: we’re loading up on stocks that people either ignore or hate, right as the regime shift makes fundamentals matter again (yes, it has already started). I’d like to invite you to become a member of Heartland Investor - hope you can join us.”
- Jared Dillian, co-founder, Jared Dillian Money
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The Heartland Investor Guarantee
Heartland Investor is brand new, which means you’ve got every reason to see if it’s worth your time (and your money). We’re confident you’ll love it, so go ahead: take 90 days. Read the picks, check the moat scores, put the risk rules through their paces. If it doesn’t knock it out of the park for you, just say the word and we’ll send your money back. No questions, no hard feelings.
FAQ
We’re at a rare inflection point: mega-caps make up over 30% of the S&P, the most skewed since the dot-com peak. That gap creates an extraordinary opportunity to own durable, undervalued businesses with room to run.
Jared is hands-on in every issue. Think of him as the coach in the press box: Adam calls the plays and Jared makes sure each pick fits the macro and technical side before each issue is released.
Adam has been Jared’s senior equity analyst for the past eight years. Because of Adam’s deep fundamental analysis skills and his bias toward finding bargain, cash-rich businesses, Jared has asked him to take more credit for his work and lead this new, important research service, Heartland Investor. Over the past decade, Adam’s built a reputation for finding wide-moat, cash-generating companies you can hold without second-guessing.
Absolutely. In every issue, Adam guides you step-by-step through the moat-driven, valuation-first framework he’s refined for Jared over the past decade. Even if you’re just building your portfolio, you’ll learn a repeatable system for identifying durable, undervalued, long-forgotten companies that still have room to run.
Nope. Heartland Investor is designed for mid- to long-term investors focused on undervalued, long-forgotten opportunities with valuations that have room to move and uninterruptible moats.
Not at all. All 100-point moat grades and timeline charts are fully integrated into each issue—no downloads, no plug-ins or downloads needed.
Yes. Every ticker we cover is liquid, U.S.-listed, and available on major brokerages, just like any other stock you trade.
Yes. Every pick comes with a buy-up-to price, an upside target, a suggested weighting, and follow-up cues when it’s time to trim or exit.
You’ll receive one in-depth issue on the last Wednesday of each month, plus brief portfolio news and updates bi-weekly.
Everything’s right there in our online subscriber portal (mobile- and tablet-friendly). Missed an edition? It’s always waiting in the archives.
Just let us know within your first 90 days, and we’ll refund 100% of your subscription, no questions asked.
No problem. Email us anytime at support@jareddillianmoney.com.
We’re at a rare inflection point: mega-caps make up over 30% of the S&P, the most skewed since the dot-com peak. That gap creates an extraordinary opportunity to own durable, undervalued businesses with room to run.
Jared is hands-on in every issue. Think of him as the coach in the press box: Adam calls the plays and Jared makes sure each pick fits the macro and technical side before each issue is released.
Adam has been Jared’s senior equity analyst for the past eight years. Because of Adam’s deep fundamental analysis skills and his bias toward finding bargain, cash-rich businesses, Jared has asked him to take more credit for his work and lead this new, important research service, Heartland Investor. Over the past decade, Adam’s built a reputation for finding wide-moat, cash-generating companies you can hold without second-guessing.
Absolutely. In every issue, Adam guides you step-by-step through the moat-driven, valuation-first framework he’s refined for Jared over the past decade. Even if you’re just building your portfolio, you’ll learn a repeatable system for identifying durable, undervalued, long-forgotten companies that still have room to run.
Nope. Heartland Investor is designed for mid- to long-term investors focused on undervalued, long-forgotten opportunities with valuations that have room to move and uninterruptible moats.
Not at all. All 100-point moat grades and timeline charts are fully integrated into each issue—no downloads, no plug-ins or downloads needed.
Yes. Every ticker we cover is liquid, U.S.-listed, and available on major brokerages, just like any other stock you trade.
Yes. Every pick comes with a buy-up-to price, an upside target, a suggested weighting, and follow-up cues when it’s time to trim or exit.
You’ll receive one in-depth issue on the last Wednesday of each month, plus brief portfolio news and updates bi-weekly.
Everything’s right there in our online subscriber portal (mobile- and tablet-friendly). Missed an edition? It’s always waiting in the archives.
Just let us know within your first 90 days, and we’ll refund 100% of your subscription, no questions asked.
No problem. Email us anytime at support@jareddillianmoney.com.
“Smaller, low-beta stocks have a high probability of outperforming. Say it louder for the people in the back.”
— Jared Dillian, August 2025