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Trade the tide, not the waves

Heather Cullen

In The Money

A proven strategy for bull and bear markets

April 6, 2026

How The ITM Strategy Works

The ITM Strategy is laid out in In The Money

The weekly ITM Blog shows how it plays out in real markets, with the Reader Hub supporting it with charts, podcasts, videos, quizzes and backtesting.

The ITM Approach

No prediction. No guesswork. No margin calls – ever.

Simple rules. Clear decisions. No screen-watching.

ITM is 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

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

The ITM Blog

Don’t start your week without the ITM Blog. Every Monday before the market opens.

Heather Cullen In The Money BLOG Bear Markets Shock Grind

Grin & Bear It

Bear Markets: Shock vs Grind We’re not in a bear market. Not yet. That matters – because how a bear arrives tells you how it behaves. Not all bears are the same. Some hit like a car crash. Others just slowly drain the life out of the market. Let’s look

On The Bench

On The Bench. Well,  we’re out of the market. SPY, SPYG, QQQ – all on the sidelines. Sitting twiddling our thumbs, so we have plenty of time to review our performance – and, of course, play the ‘if only we’d . . . ‘  game. Podcast: On The Bench (Trying

Heather Cullen BLOG ITM In The Money Brain Sabotage

Brain Sabotage

Brain Sabotage. Red candles. War headlines. Oil surging. The perfect environment – not for a market crash – but for your brain to sabotage you. Our logical brain – the one that understands the ITM strategy – often gets pushed aside by something much older and much louder. And that’s

Read more ITM Blog

What Readers Say

“Simple, clear, and easy to follow.”

“By far the easiest and lowest-stress strategy I’ve used.”

“A simple, profitable way to trade – without losing sleep.”

“I’ve read over a hundred investing books – this is in the top five.”

“I’d give it 6 stars if I could.”

The ITM Track Record

We follow the ITM trades for 33 years.

Every single trade is listed. 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.

About Heather Cullen

Heather Cullen Author In The Money

Hi, I’m Heather, author of In The Money. I’ve been trading the stock market for over 25 years and know what works – and what doesn’t.

After years of making and losing money, I developed the ITM (In The Money) strategy – a simple way to beat the market, across both bull and bear conditions.

Learn the ITM strategy in my book, check out the charts and resources in the Reader Hub, then follow the weekly ITM blog where I show how to implement it and answer readers questions – all free, no membership required.

The New ITM Book

Coming Soon

The complete ITM strategy –  bull and bear markets.

Different approaches, same principles.

Get notified when it’s released

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

 

Happy trading!