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Trade the tide, not the waves

Heather Cullen

In The Money

A proven strategy for bull and bear markets

March 30, 2026

The ITM Strategy

No prediction. No guesswork. Simple rules. Clear decisions.

Built to work with the market – not fight it.

33

Backtested 33 years

13

13 X market return

$1,000

Invested in 1993 

$25,471

Market result 2025

$353,798

ITM result 2025

  • One clear entry – One clear exit
  • Deep in-the-money options – minimal time value
  • Designed for all markets – bull and bear
  • No predictions. No hype. No reacting to noise

On The Bench

On The Bench. Well,  we’re out of the market. SPY, SPYG

Heather Cullen BLOG ITM In The Money Brain Sabotage

Brain Sabotage

Brain Sabotage. Red candles. War headlines. Oil surging. The perfect environment

In The Money Heather Cullen ITM BLOG The Duck Market

The Duck Market

The Duck Market. While the major indexes have been drifting sideways

In The Money Heather Cullen ITM BLOG AI STACK

The AI Stack

The AI Stack. During the California Gold Rush, hundreds of thousands

ITM (In The Money) Books & Blog

Hi! I’m Heather. I’ve been trading the stock market for 25 years, and I know what works – and what doesn’t. After years making and losing money, I developed the ITM (In The Money) strategy,  a simple, highly effective way to beat the market. 

Learn how to trade the ITM Strategy from my books, and then stay updated with my  blog – a weekly update – free, no membership fees required. More about me here.

Heather Cullen Author In The Money
Heather Cullen In The Money Book Series

Beginner?

New to options? No experience needed. I break it down so you can easily understand what’s happening.

Think options are risky? Only if you don’t know what you’re doing. But you will know exactly what you’re doing.

The ITM books give you everything you need to trade the ITM way. The weekly ITM blog keeps you informed and answers your questions.

Experienced?

Looking for a strategy that actually works?

Most ITM traders had years of experience before discovering and switching to the ITM Strategy.

Yes, it’s simple—but in the stock market, complicated doesn’t mean better.

If you’re not already getting 10 times the market return, it’s time to take a serious look at ITM.

Don't start your week without the ITM BLOG, every Monday before market open.

END MARGIN CALLS FOREVER

ITM never borrows money – so no more margin calls

Questions?

It’s very simple. When the market is going up we make more than double the market return. When the market goes down we are safely on the sidelines preserving our capital. 

In trading, no-one can win all the time. The secret to making large profits is to make sure that your profits are much bigger than your losses. And that’s what the ITM Strategy does for you.

Nothing, other than buying the book. ITM books start at $6.95 and are in eBook,  paperback and hardback and can be bought here or on Amazon. That’s it. No catch.

ITM Strategies are backtested for 30+ years, through bull and bear markets. The books start 30 years ago with $1,000 and follow the simple ITM rules for buying and selling. Now it is worth over $180,000!  Check it out: ITM Backtesting.

Everything is on this website. Updates, tools, charts, news. Not sure about something? Ask a question and have it answered personally.

I don’t know! ITM beats the market and it beats all the money managers. I guess not enough people know about it.

To be fair, it took me around 13 years of winning and losing before I worked it out!

About Me

Books

We follow the ITM trades for 30 years. Every single trade, no cherry-picking.

The good trades, the bad trades, the boring trades. No smoke, no mirrors.

The result? ITM beat the market and fund managers spectacularly.

ITM made 10 TIMES the market return.

With ITM Strategy you can too!

In The Money - ITM Strategy

Trade the tide, not the waves

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Please note that Heather answers all questions at the end of the ITM Blog.

 

Happy trading!