client_id
string
persona_archetype
string
household_income_usd
int64
net_worth_usd
int64
liquidity_30d_usd
int64
cashflow_volatility_pct
float64
income_stream_count
int64
primary_tax_bracket_pct
int64
jurisdiction_country
string
kyc_risk_flag
string
compliance_restrictions
string
ethical_screens
string
product_blacklist
string
leverage_limit_x
float64
drawdown_tolerance_pct
float64
target_volatility_pct
float64
goal_stack
string
time_horizon_primary_years
int64
advice_style
string
explanation_depth
string
preferred_metrics
string
channel_preference_ranked
string
nudges_opt_in
bool
notification_quiet_hours
string
trust_score_dynamic_1_100
int64
trust_decay_days
int64
engagement_score_1_100
int64
adherence_score_1_100
int64
consent_data_sources
string
data_freshness_days
int64
advisor_relationship
string
last_action_type
string
last_action_date
string
last_action_outcome
string
model_version_current
string
safety_overrides
string
notes_agent_constraints
string
A0001
Builder
40,597
138,583
4,510
10.1
1
10
US
Low
AccreditedOnly
null
null
1.8
13.2
7.7
Home:3y;Retirement:30y;Education:6y
3
Educational
Medium
MaxDD;Sharpe;IRR
Phone>Chat>In-Person>Email>App
true
23:30-06:45
73
145
71
61
OpenBanking
6
Hybrid
AutoTransfer
2025-11-14
Failed
v2.8.6
NoMargin;StopLossDisabled
Prioritize liquidity and down payment savings
A0002
Explorer
103,653
197,383
27,455
19.5
3
15
CA
Low
NoIlliquids
NoFossilFuel
null
1.6
26.8
12.1
Business:5y;Travel:2y;Healthcare:8y
5
Directive
Deep
IRR;TaxCost;MaxDD
Chat>Phone>In-Person>App
false
23:45-06:45
54
67
51
44
CreditBureau;OpenBanking
2
Hybrid
AlertAcknowledge
2025-11-24
Partial
v1.9.4
NoIlliquids;NoPennyStocks;PauseWhenVIX>30
Allow small experimental sleeve ≤ 3%
A0003
Stabilizer
82,359
562,442
29,905
4.9
3
10
US
Low
null
ESGOnly;NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.1
16.7
7.1
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Shallow
Sharpe;MaxDD;TaxCost
Phone>Email>App>In-Person
true
23:00-06:15
52
100
43
43
CreditBureau;OpenBanking
9
Hybrid
AlertAcknowledge
2025-04-18
Partial
v1.9.8
LimitOrderOnly;StopLossDisabled
Keep expenses buffer ≥ 4 months
A0004
Explorer
33,596
28,014
1,993
12.7
4
10
US
Low
NoIlliquids
null
Crypto;PennyStocks
2.1
21.8
13.6
Business:5y;Travel:2y;Healthcare:8y
5
Concise
Medium
MaxDD;IRR;Sharpe
Chat>Phone>App>Email
true
21:15-08:45
70
72
75
70
OpenBanking
4
Human
AlertAcknowledge
2025-03-24
Success
v2.8.1
NoMargin;NoPennyStocks
Allow small experimental sleeve ≤ 3%
A0005
Stabilizer
57,353
195,545
6,884
7.2
1
10
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1
16.8
5.9
Retirement:15y;Emergency:1y;Education:6y
15
Concise
Medium
Sharpe;TaxCost;MaxDD
In-Person>Chat>App>Phone>Email
true
21:15-07:15
58
116
49
46
CreditBureau;OpenBanking
5
null
AutoTransfer
2025-05-17
Success
v1.9.2
NoIlliquids;NoPennyStocks
Keep expenses buffer ≥ 4 months
A0006
Builder
139,127
258,773
9,085
13.6
2
12
US
Low
null
null
PrivateCredit
1.6
15.8
8.1
Home:3y;Retirement:30y;Education:6y
3
Concise
Deep
MaxDD;TaxCost
App>Email>In-Person
false
20:00-06:00
67
118
53
52
OpenBanking;Payroll
9
null
Rebalance
2025-10-19
Success
v2.9.4
LimitOrderOnly
Prioritize liquidity and down payment savings
A0007
Stabilizer
26,391
82,582
5,332
9.5
1
10
US
Low
NoIlliquids;NoShortSelling
null
Crypto;LeveragedETFs;PennyStocks
1
11.1
8.4
Retirement:15y;Emergency:1y;Healthcare:8y
15
Educational
Shallow
Sharpe;MaxDD;TaxCost
Chat>Phone>Email>App
true
19:15-06:30
65
160
74
69
CreditBureau;OpenBanking
10
Hybrid
PlanUpdate
2025-09-23
Success
v1.9.2
NoAutoTradesBelow$1k;NoMargin
Keep expenses buffer ≥ 4 months
A0008
Preserver
83,152
1,007,985
64,768
6.8
3
10
US
Low
null
NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
1
12.2
6
Retirement:15y;Emergency:1y;Education:6y
15
Collaborative
Shallow
Sharpe;MaxDD
In-Person>Email>Chat
true
23:45-07:00
73
190
67
67
Brokerage;CreditBureau;OpenBanking;Payroll
6
Human
AlertAcknowledge
2025-12-03
Success
v1.8.1
LimitOrderOnly;NoMargin;PauseWhenVIX>30;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0009
Builder
116,969
378,411
12,770
11
4
12
US
Medium
null
NoFossilFuel;ESGOnly
null
1.6
20.4
9
Home:3y;Retirement:30y
3
Directive
Shallow
Sharpe;IRR
Email>Phone>Chat>In-Person
true
20:00-06:15
53
130
52
42
CreditBureau;OpenBanking
19
null
PlanUpdate
2025-03-26
Partial
v2.8.3
NoAutoTradesBelow$1k
Prioritize liquidity and down payment savings
A0010
Builder
44,800
88,870
4,674
8.2
4
10
US
Medium
NoShortSelling;NoDerivatives
ESGOnly;NoWeapons
LeveragedETFs
1.4
21.3
7.3
Home:3y;Retirement:30y;Debt:2y
3
Educational
Shallow
Sharpe;MaxDD
In-Person>Email>Phone>App
true
19:45-06:30
68
114
73
66
CreditBureau;OpenBanking;Payroll
18
Hybrid
Rebalance
2025-07-12
Success
v1.8.1
NoAutoTradesBelow$1k;NoIlliquids;NoPennyStocks
Prioritize liquidity and down payment savings
A0011
Stabilizer
54,987
407,762
24,577
3.8
4
10
SG
Low
NoShortSelling
ESGOnly;NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
1
8.5
7.2
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Medium
TaxCost;MaxDD;Sharpe
Email>Chat>In-Person>App>Phone
true
22:00-07:00
63
122
64
58
CreditBureau;OpenBanking;Payroll
7
Human
AlertAcknowledge
2025-05-17
Failed
v1.9.1
NoAutoTradesBelow$1k
Keep expenses buffer ≥ 4 months
A0012
Preserver
95,046
559,188
36,034
6.1
3
10
DE
Medium
null
NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
1
12.8
5.9
Retirement:15y;Emergency:1y;Healthcare:8y
15
Collaborative
Shallow
MaxDD;TaxCost;Sharpe
In-Person>Chat>Email
true
22:00-08:30
77
127
66
69
Brokerage;CreditBureau;OpenBanking
12
Human
PlanUpdate
2025-09-28
Failed
v1.10.7
NoMargin;PauseWhenVIX>30;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0013
Optimizer
254,153
1,889,523
129,056
8.3
2
12
US
Low
NoDerivatives;NoShortSelling
null
PennyStocks
1.8
23.1
13
Wealth:10y;Estate:20y;Healthcare:8y
10
Concise
Shallow
TaxCost;Sharpe;MaxDD
In-Person>Chat>App>Phone>Email
true
19:45-06:15
69
107
62
50
Brokerage;OpenBanking
3
Human
AutoTransfer
2025-03-10
Success
v1.9.8
LimitOrderOnly;NoIlliquids;NoMargin
Enforce tax budget and position caps
A0014
Stabilizer
55,919
212,988
21,856
8.4
2
10
UK
Low
AccreditedOnly;NoDerivatives
null
Crypto;LeveragedETFs;PennyStocks
1
9.5
5.8
Retirement:15y;Emergency:1y;Debt:2y
15
Concise
Medium
MaxDD;TaxCost
In-Person>App>Chat>Email>Phone
true
23:30-06:45
52
146
41
39
CreditBureau;OpenBanking
16
null
Rebalance
2025-08-30
Failed
v2.9.9
NoMargin;PauseWhenVIX>30
Keep expenses buffer ≥ 4 months
A0015
Stabilizer
60,689
121,964
11,685
5.1
4
10
US
Low
null
NoFossilFuel;ESGOnly
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1
14
5.6
Retirement:15y;Emergency:1y;Healthcare:8y
15
Educational
Medium
TaxCost;Sharpe;MaxDD
Phone>In-Person>Chat
true
21:15-07:15
57
172
49
42
OpenBanking;Payroll
18
null
PlanUpdate
2025-10-18
Success
v2.10.5
NoAutoTradesBelow$1k;NoMargin
Keep expenses buffer ≥ 4 months
A0016
Preserver
82,972
458,767
47,959
5.2
4
10
IN
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1.2
8.7
7.2
Retirement:15y;Emergency:1y
15
Educational
Medium
MaxDD;TaxCost
Email>Chat>App>Phone>In-Person
false
21:45-07:15
79
139
74
73
Brokerage;OpenBanking;Payroll
10
Hybrid
Rebalance
2025-06-20
Success
v1.10.7
NoAutoTradesBelow$1k;NoIlliquids;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0017
Builder
178,557
532,160
24,584
11.2
3
12
US
Medium
null
null
null
1.4
20.3
10.7
Home:3y;Retirement:30y;Healthcare:8y
3
Educational
Medium
Sharpe;TaxCost
App>Email>Phone>Chat>In-Person
true
20:45-06:45
57
135
42
41
OpenBanking
10
null
AlertAcknowledge
2025-07-05
Success
v2.9.9
NoMargin
Prioritize liquidity and down payment savings
A0018
Explorer
177,026
1,178,509
52,521
14.3
2
12
US
Low
NoIlliquids
null
PennyStocks
1.8
22.9
13.5
Business:5y;Travel:2y;Debt:2y
5
Collaborative
Medium
IRR;MaxDD
Email>In-Person>Chat>App>Phone
false
22:15-06:45
57
49
56
46
CreditBureau;OpenBanking
5
null
AutoTransfer
2025-08-21
Success
v1.8.5
LimitOrderOnly;NoAutoTradesBelow$1k;PauseWhenVIX>30
Allow small experimental sleeve ≤ 3%
A0019
Preserver
147,505
1,301,582
143,768
4.5
3
12
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1.1
13.6
6.9
Retirement:15y;Emergency:1y;Education:6y
15
Collaborative
Shallow
Sharpe;MaxDD
In-Person>Email>Phone>App
false
20:15-08:15
76
177
69
74
Brokerage;CreditBureau;OpenBanking
14
Hybrid
AlertAcknowledge
2025-07-06
Success
v2.10.3
NoIlliquids;NoMargin;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0020
Preserver
115,205
1,546,038
59,729
4.1
4
15
CA
Medium
null
null
Crypto;LeveragedETFs;PennyStocks
1.1
13.3
8.8
Retirement:15y;Emergency:1y;Education:6y
15
Directive
Shallow
Sharpe;MaxDD
In-Person>Email>Phone>Chat
true
20:00-06:30
66
157
61
54
Brokerage;OpenBanking
9
Human
Rebalance
2025-08-14
Partial
v1.9.8
LimitOrderOnly;NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0021
Builder
92,209
125,274
8,117
8.6
3
10
US
Low
null
ESGOnly;NoTobacco
PrivateCredit
1.5
23.1
8.8
Home:3y;Retirement:30y;Debt:2y
3
Collaborative
Medium
Sharpe;TaxCost
Email>App>Phone
true
23:00-06:00
64
125
63
56
OpenBanking
8
null
PlanUpdate
2025-09-09
Partial
v2.10.6
NoMargin;NoPennyStocks;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0022
Optimizer
254,070
2,666,775
214,863
10.6
2
12
US
Medium
AccreditedOnly;NoIlliquids
null
PennyStocks
1.7
27.5
11
Wealth:10y;Estate:20y
10
Educational
Shallow
Sharpe;MaxDD;TaxCost
Phone>App>Chat
true
23:15-06:30
63
66
77
66
Brokerage;CreditBureau;OpenBanking;Payroll
6
null
PlanUpdate
2025-01-19
Success
v2.10.5
NoPennyStocks;StopLossDisabled
Enforce tax budget and position caps
A0023
Preserver
67,891
571,967
68,519
6
1
10
IN
Medium
null
null
Crypto;LeveragedETFs;PennyStocks
1.1
13.2
9
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Medium
TaxCost;Sharpe
Chat>App>Email
true
19:45-08:00
72
173
65
64
Brokerage;CreditBureau;OpenBanking
12
Human
AlertAcknowledge
2025-08-23
Success
v2.9.8
NoAutoTradesBelow$1k;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0024
Stabilizer
119,832
556,441
61,631
8.4
3
12
US
Low
null
NoWeapons;NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
1.1
16.6
8.5
Retirement:15y;Emergency:1y;Debt:2y
15
Collaborative
Medium
TaxCost;MaxDD;Sharpe
Phone>In-Person>Email>App
true
23:30-07:00
60
153
54
53
OpenBanking
11
null
AlertAcknowledge
2025-10-31
Failed
v2.8.8
LimitOrderOnly;NoMargin;NoPennyStocks
Keep expenses buffer ≥ 4 months
A0025
Builder
37,637
182,940
5,301
11.5
1
10
US
Low
null
ESGOnly
Crypto
1.4
21.5
7.4
Home:3y;Retirement:30y;Debt:2y
3
Directive
Deep
TaxCost;Sharpe;IRR
App>Email>Chat>Phone
false
20:15-08:00
66
129
70
70
CreditBureau;OpenBanking
9
null
AutoTransfer
2025-10-31
Success
v2.9.9
StopLossDisabled
Prioritize liquidity and down payment savings
A0026
Preserver
76,488
1,171,615
76,153
8.7
1
10
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1.1
11.7
8.3
Retirement:15y;Emergency:1y
15
Collaborative
Medium
TaxCost;MaxDD;Sharpe
Phone>Chat>App
true
21:45-08:00
82
238
91
92
Brokerage;CreditBureau;OpenBanking;Payroll
11
null
AutoTransfer
2025-08-05
Success
v1.10.2
LimitOrderOnly;NoMargin;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A0027
Preserver
141,894
1,729,701
138,881
7.4
2
15
AU
Low
AccreditedOnly
null
Crypto;LeveragedETFs;PennyStocks
1.1
16.2
5.9
Retirement:15y;Emergency:1y
15
Directive
Medium
MaxDD;TaxCost
App>Phone>Chat
true
23:30-08:30
78
199
81
79
Brokerage;CreditBureau;OpenBanking
3
Human
PlanUpdate
2025-05-25
Success
v2.9.3
LimitOrderOnly
Maintain ≥ 12m cash runway and low drawdown
A0028
Preserver
55,744
807,980
44,402
4.5
3
10
SG
Low
null
NoTobacco;NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
1
15.2
5.6
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Medium
TaxCost;Sharpe
Email>App>Chat>In-Person
true
19:00-07:30
74
204
81
70
Brokerage;CreditBureau;OpenBanking
3
Hybrid
PlanUpdate
2025-03-13
Success
v2.9.1
NoIlliquids;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0029
Stabilizer
68,952
236,948
31,436
9
1
10
US
Low
NoIlliquids
ESGOnly;NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
1
14.1
8.5
Retirement:15y;Emergency:1y;Healthcare:8y
15
Educational
Medium
Sharpe;TaxCost;MaxDD
Email>Phone>App
true
23:00-07:15
60
98
56
59
CreditBureau;OpenBanking
6
Hybrid
AlertAcknowledge
2025-01-22
Success
v2.8.3
LimitOrderOnly;NoAutoTradesBelow$1k;NoMargin;StopLossDisabled
Keep expenses buffer ≥ 4 months
A0030
Preserver
69,933
639,029
41,527
6
3
10
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1.2
10.7
7.8
Retirement:15y;Emergency:1y;Healthcare:8y
15
Concise
Shallow
TaxCost;Sharpe;MaxDD
Email>App>Phone>Chat
true
20:45-07:00
69
164
60
53
Brokerage;CreditBureau;OpenBanking
12
Hybrid
AlertAcknowledge
2025-09-05
Success
v2.9.8
NoIlliquids;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0031
Preserver
89,121
939,644
60,333
3.3
4
10
US
Low
null
NoWeapons;NoTobacco
Crypto;LeveragedETFs;PennyStocks
1.1
13
7.8
Retirement:15y;Emergency:1y;Debt:2y
15
Directive
Medium
MaxDD;Sharpe;TaxCost
Phone>In-Person>App
false
19:30-08:15
67
160
60
60
Brokerage;CreditBureau;OpenBanking
8
Hybrid
AlertAcknowledge
2025-05-03
Success
v1.8.5
NoMargin;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0032
Preserver
32,227
268,203
26,901
8.3
1
10
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1
11.7
8.5
Retirement:15y;Emergency:1y;Healthcare:8y
15
Collaborative
Medium
Sharpe;TaxCost
In-Person>App>Chat>Phone
true
20:45-07:30
82
177
75
78
Brokerage;OpenBanking
7
Hybrid
Rebalance
2025-01-21
Success
v1.10.4
NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0033
Stabilizer
34,750
98,707
4,610
4
4
10
IN
Low
null
null
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1
10.2
5.2
Retirement:15y;Emergency:1y;Healthcare:8y
15
Collaborative
Medium
MaxDD;Sharpe
App>In-Person>Email>Phone>Chat
true
20:45-08:00
52
164
58
49
CreditBureau;OpenBanking
14
null
PlanUpdate
2025-05-30
Partial
v1.9.3
NoAutoTradesBelow$1k
Keep expenses buffer ≥ 4 months
A0034
Stabilizer
54,505
156,845
12,202
7.5
1
10
US
Low
null
ESGOnly
Crypto;LeveragedETFs;PennyStocks
1.1
11.7
5
Retirement:15y;Emergency:1y
15
Collaborative
Deep
Sharpe;TaxCost;MaxDD
Phone>Email>Chat>App>In-Person
false
23:45-08:00
62
105
69
57
CreditBureau;OpenBanking
12
null
PlanUpdate
2025-05-13
Success
v1.10.5
NoAutoTradesBelow$1k;NoIlliquids
Keep expenses buffer ≥ 4 months
A0035
Stabilizer
107,961
607,210
30,923
7.1
1
12
US
High
null
null
Crypto;LeveragedETFs;PennyStocks
1.1
9.6
7.1
Retirement:15y;Emergency:1y;Debt:2y
15
Concise
Shallow
Sharpe;TaxCost;MaxDD
Chat>Phone>App>In-Person
true
19:30-06:15
47
117
39
35
CreditBureau;OpenBanking
17
null
Rebalance
2025-08-19
Partial
v1.9.3
LimitOrderOnly;NoMargin
Keep expenses buffer ≥ 4 months
A0036
Builder
61,197
121,906
5,425
8.9
3
10
US
Medium
null
null
PrivateCredit
1.4
13.9
9
Home:3y;Retirement:30y;Education:6y
3
Collaborative
Shallow
Sharpe;IRR
In-Person>App>Phone
true
20:45-06:45
57
112
49
44
OpenBanking
5
null
AutoTransfer
2025-09-08
Success
v1.8.8
LimitOrderOnly;NoMargin;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0037
Preserver
98,828
1,553,151
67,478
4
4
10
US
Low
NoDerivatives
ESGOnly;NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.1
13
8.8
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Deep
MaxDD;TaxCost
App>Email>In-Person>Phone
false
23:45-06:00
68
226
71
59
Brokerage;OpenBanking
12
null
Rebalance
2025-10-13
Success
v2.8.5
StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0038
Optimizer
170,094
1,388,650
75,997
7.1
4
15
DE
Low
NoIlliquids;AccreditedOnly
NoFossilFuel;NoTobacco
PennyStocks
1.6
21.7
12.4
Wealth:10y;Estate:20y;Education:6y
10
Educational
Medium
IRR;TaxCost;MaxDD
In-Person>Phone>Email>App>Chat
true
19:00-07:15
61
77
73
66
Brokerage;OpenBanking
1
Hybrid
AutoTransfer
2025-02-11
Success
v2.10.1
LimitOrderOnly
Enforce tax budget and position caps
A0039
Stabilizer
50,543
94,699
9,008
5
3
10
US
Low
AccreditedOnly
NoWeapons;NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
1.1
8.3
5.3
Retirement:15y;Emergency:1y;Debt:2y
15
Concise
Deep
MaxDD;Sharpe;TaxCost
In-Person>Phone>Chat>Email
true
22:00-06:15
55
129
40
39
OpenBanking;Payroll
19
null
AlertAcknowledge
2025-09-17
Success
v1.8.9
LimitOrderOnly
Keep expenses buffer ≥ 4 months
A0040
Explorer
75,179
926,103
29,249
21.6
2
10
US
Medium
NoDerivatives
NoWeapons;ESGOnly
null
1.9
24.7
15.3
Business:5y;Travel:2y;Education:6y
5
Educational
Medium
IRR;TaxCost;MaxDD
Phone>In-Person>Chat>App>Email
true
20:00-06:00
51
75
46
46
CreditBureau;OpenBanking
4
Hybrid
Rebalance
2025-05-21
Success
v1.10.2
LimitOrderOnly;NoAutoTradesBelow$1k
Allow small experimental sleeve ≤ 3%
A0041
Optimizer
80,605
757,749
22,684
7.7
3
10
US
Low
null
null
PennyStocks;PrivateCredit
1.5
24.7
12.7
Wealth:10y;Estate:20y;Education:6y
10
Collaborative
Medium
TaxCost;IRR
In-Person>Phone>Email>Chat>App
true
22:45-07:45
74
77
60
54
Brokerage;OpenBanking
6
Human
Rebalance
2025-12-03
Success
v1.10.4
NoAutoTradesBelow$1k;NoIlliquids;PauseWhenVIX>30
Enforce tax budget and position caps
A0042
Builder
30,410
130,286
4,500
13.6
1
10
US
Medium
null
NoFossilFuel;ESGOnly
null
1.6
17
8.3
Home:3y;Retirement:30y
3
Concise
Medium
MaxDD;Sharpe
Phone>Email>App>Chat
true
21:30-07:45
55
94
47
39
OpenBanking
14
null
Rebalance
2025-07-14
Partial
v2.10.6
LimitOrderOnly;NoPennyStocks;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0043
Preserver
84,426
636,072
54,384
7
3
10
US
Medium
null
null
Crypto;LeveragedETFs;PennyStocks
1
10
6.5
Retirement:15y;Emergency:1y;Debt:2y
15
Concise
Shallow
Sharpe;TaxCost
In-Person>App>Phone>Email>Chat
true
19:45-07:00
73
144
59
54
Brokerage;OpenBanking
11
Human
AlertAcknowledge
2025-07-21
Success
v2.8.8
LimitOrderOnly;NoAutoTradesBelow$1k;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0044
Stabilizer
93,059
165,923
22,862
4.6
4
10
US
Low
NoDerivatives
NoTobacco
Crypto;LeveragedETFs;PennyStocks
1.1
15.5
7.6
Retirement:15y;Emergency:1y
15
Concise
Deep
Sharpe;TaxCost;MaxDD
App>In-Person>Email>Chat>Phone
false
22:30-08:45
61
150
54
46
CreditBureau;OpenBanking
8
null
Rebalance
2025-02-28
Success
v1.8.5
NoAutoTradesBelow$1k;NoMargin;NoPennyStocks
Keep expenses buffer ≥ 4 months
A0045
Optimizer
142,813
4,041,128
109,804
8.1
3
12
US
Low
NoDerivatives
NoFossilFuel
PennyStocks
1.6
19.8
11.7
Wealth:10y;Estate:20y;Healthcare:8y
10
Concise
Medium
TaxCost;IRR;MaxDD
App>Email>Chat>In-Person>Phone
false
23:45-08:30
68
107
66
64
Brokerage;CreditBureau;OpenBanking;Payroll
7
Hybrid
AlertAcknowledge
2025-05-05
Success
v2.8.1
PauseWhenVIX>30;StopLossDisabled
Enforce tax budget and position caps
A0046
Explorer
65,819
341,741
22,612
16.9
2
10
US
Low
NoShortSelling
NoTobacco
Crypto;LeveragedETFs;PennyStocks
1.9
29.4
14.1
Business:5y;Travel:2y;Healthcare:8y
5
Concise
Shallow
TaxCost;Sharpe
App>Email>Phone>Chat
true
19:45-06:45
62
79
68
67
CreditBureau;OpenBanking
2
Human
AutoTransfer
2025-09-06
Success
v2.8.2
NoMargin
Allow small experimental sleeve ≤ 3%
A0047
Optimizer
398,786
1,808,765
208,576
8.3
1
12
US
Low
NoDerivatives;AccreditedOnly
null
PennyStocks
1.4
24.6
10.3
Wealth:10y;Estate:20y;Education:6y
10
Educational
Medium
Sharpe;IRR;TaxCost
Phone>Chat>Email
false
20:30-06:45
63
99
55
52
Brokerage;CreditBureau;OpenBanking;Payroll
3
Human
PlanUpdate
2025-05-01
Success
v1.10.8
NoAutoTradesBelow$1k
Enforce tax budget and position caps
A0048
Stabilizer
86,979
521,104
17,133
5.8
3
10
US
Medium
null
ESGOnly
Crypto;LeveragedETFs;PennyStocks
0.9
11.4
5.5
Retirement:15y;Emergency:1y;Healthcare:8y
15
Concise
Deep
TaxCost;Sharpe
Phone>In-Person>Chat
true
19:30-06:45
58
102
62
56
CreditBureau;OpenBanking
5
Human
AlertAcknowledge
2025-02-12
Success
v2.10.8
NoMargin;PauseWhenVIX>30
Keep expenses buffer ≥ 4 months
A0049
Preserver
146,019
650,433
67,072
4.6
4
12
US
Low
NoShortSelling;AccreditedOnly
null
Crypto;LeveragedETFs;PennyStocks
1
14
8.9
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Shallow
MaxDD;TaxCost;Sharpe
App>Email>Chat>Phone>In-Person
true
22:45-08:45
80
132
80
77
Brokerage;OpenBanking
6
Hybrid
PlanUpdate
2025-05-15
Success
v2.10.5
NoAutoTradesBelow$1k;PauseWhenVIX>30;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0050
Preserver
241,652
1,464,570
127,754
4.7
4
12
US
Low
null
NoWeapons;NoTobacco
Crypto;LeveragedETFs;PennyStocks
0.9
10
5.1
Retirement:15y;Emergency:1y;Healthcare:8y
15
Directive
Shallow
Sharpe;TaxCost
In-Person>Chat>Phone>App>Email
false
21:30-08:00
67
154
71
69
Brokerage;CreditBureau;OpenBanking;Payroll
4
Hybrid
AlertAcknowledge
2025-08-02
Failed
v1.8.5
NoMargin;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0051
Builder
36,962
138,751
7,430
8.5
3
10
US
Medium
NoIlliquids;AccreditedOnly
null
LeveragedETFs;PrivateCredit
1.7
19.9
9.2
Home:3y;Retirement:30y;Education:6y
3
Collaborative
Shallow
IRR;Sharpe
Chat>In-Person>App>Email>Phone
true
22:45-07:15
59
73
50
45
CreditBureau;OpenBanking;Payroll
18
null
AutoTransfer
2025-08-31
Success
v2.10.4
NoIlliquids;NoMargin;NoPennyStocks
Prioritize liquidity and down payment savings
A0052
Optimizer
71,725
317,463
21,260
9.1
1
10
US
Low
null
ESGOnly;NoTobacco
PennyStocks;PrivateCredit
1.8
22
13.1
Wealth:10y;Estate:20y;Debt:2y
10
Concise
Medium
Sharpe;IRR
App>Phone>Email>In-Person
true
21:30-08:00
66
90
64
62
Brokerage;OpenBanking
4
Human
PlanUpdate
2025-02-06
Success
v2.9.9
NoAutoTradesBelow$1k;NoPennyStocks
Enforce tax budget and position caps
A0053
Optimizer
288,328
1,825,516
103,560
9.3
2
12
US
Medium
NoIlliquids;NoDerivatives
NoTobacco;NoWeapons
LeveragedETFs;PennyStocks
1.9
25
12.7
Wealth:10y;Estate:20y;Healthcare:8y
10
Educational
Deep
MaxDD;Sharpe;IRR
App>Email>Chat
true
21:45-06:00
52
110
49
44
Brokerage;CreditBureau;OpenBanking
1
Hybrid
Rebalance
2025-12-26
Success
v2.9.2
NoAutoTradesBelow$1k;NoIlliquids
Enforce tax budget and position caps
A0054
Preserver
71,737
964,632
77,473
3.3
4
10
DE
Medium
NoShortSelling;NoDerivatives
null
Crypto;LeveragedETFs;PennyStocks
0.9
11.8
7.2
Retirement:15y;Emergency:1y
15
Concise
Shallow
TaxCost;MaxDD
In-Person>App>Chat>Email
true
22:30-08:45
73
227
77
81
Brokerage;OpenBanking
13
Hybrid
Rebalance
2024-12-28
Partial
v1.10.7
NoMargin;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0055
Stabilizer
74,047
357,701
27,472
5.5
3
10
US
Low
AccreditedOnly
NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
1.2
17.6
8.4
Retirement:15y;Emergency:1y;Education:6y
15
Concise
Shallow
TaxCost;MaxDD
Phone>Chat>Email>In-Person>App
true
20:00-06:45
57
133
58
61
OpenBanking;Payroll
16
null
AlertAcknowledge
2025-09-11
Success
v1.9.5
StopLossDisabled
Keep expenses buffer ≥ 4 months
A0056
Optimizer
205,799
1,299,849
116,362
8.5
2
15
DE
Medium
null
NoWeapons
PennyStocks
1.8
20.9
10.8
Wealth:10y;Estate:20y;Healthcare:8y
10
Concise
Deep
MaxDD;IRR
Phone>App>Email>Chat
false
20:15-07:00
62
100
51
50
Brokerage;CreditBureau;OpenBanking
1
null
Rebalance
2025-11-04
Success
v2.8.8
NoIlliquids;StopLossDisabled
Enforce tax budget and position caps
A0057
Stabilizer
106,308
900,304
50,031
6.5
1
12
US
Medium
NoDerivatives;NoShortSelling
null
Crypto;LeveragedETFs;PennyStocks
0.9
10.5
5.9
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Medium
MaxDD;Sharpe
Phone>Chat>App>In-Person>Email
false
21:15-08:15
61
161
46
44
CreditBureau;OpenBanking
11
null
AlertAcknowledge
2025-10-31
Success
v1.9.6
NoAutoTradesBelow$1k;NoMargin
Keep expenses buffer ≥ 4 months
A0058
Stabilizer
152,825
312,517
46,426
5.8
2
12
US
Low
NoIlliquids
ESGOnly;NoWeapons
Crypto;LeveragedETFs;PennyStocks
1
8.4
6.4
Retirement:15y;Emergency:1y;Education:6y
15
Concise
Medium
TaxCost;Sharpe
Phone>Email>Chat>App>In-Person
true
19:00-08:30
52
112
49
49
OpenBanking
6
null
Rebalance
2025-04-15
Failed
v1.10.3
PauseWhenVIX>30
Keep expenses buffer ≥ 4 months
A0059
Stabilizer
137,059
444,941
23,247
6.3
3
15
DE
Low
null
NoTobacco;NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.2
10.6
7
Retirement:15y;Emergency:1y
15
Educational
Shallow
MaxDD;TaxCost
Email>Phone>In-Person
true
20:15-07:45
63
146
63
60
OpenBanking;Payroll
14
Hybrid
PlanUpdate
2025-03-16
Partial
v1.10.5
NoMargin;NoPennyStocks;StopLossDisabled
Keep expenses buffer ≥ 4 months
A0060
Stabilizer
114,593
245,482
18,916
5
4
12
US
Low
NoDerivatives
NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
1
11.2
8
Retirement:15y;Emergency:1y;Healthcare:8y
15
Educational
Medium
MaxDD;TaxCost;Sharpe
In-Person>Chat>Phone>App
true
19:00-06:45
61
118
57
54
CreditBureau;OpenBanking
5
Human
AutoTransfer
2025-10-03
Success
v2.8.8
LimitOrderOnly;NoIlliquids
Keep expenses buffer ≥ 4 months
A0061
Stabilizer
52,863
219,827
30,800
6.5
2
10
UK
Low
NoIlliquids
null
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1.1
10.1
7.3
Retirement:15y;Emergency:1y;Debt:2y
15
Directive
Shallow
TaxCost;Sharpe;MaxDD
App>Chat>In-Person
true
20:30-07:00
64
100
67
65
CreditBureau;OpenBanking
19
Human
AutoTransfer
2025-04-21
Failed
v2.9.5
NoIlliquids;NoMargin;NoPennyStocks
Keep expenses buffer ≥ 4 months
A0062
Preserver
135,665
982,883
73,590
4.9
2
15
IN
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1.1
8.7
8.9
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Medium
MaxDD;Sharpe;TaxCost
In-Person>Phone>Chat
true
19:15-07:45
75
158
61
55
Brokerage;OpenBanking
13
Human
AlertAcknowledge
2025-02-02
Partial
v1.10.1
LimitOrderOnly;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0063
Preserver
111,938
1,501,216
85,731
6
3
12
US
Low
null
NoTobacco;ESGOnly
Crypto;LeveragedETFs;PennyStocks
1.1
14.7
5.6
Retirement:15y;Emergency:1y;Education:6y
15
Concise
Medium
MaxDD;TaxCost
In-Person>Phone>Chat>Email>App
true
22:30-06:00
75
177
66
59
Brokerage;OpenBanking
11
null
PlanUpdate
2025-03-24
Success
v2.8.8
NoPennyStocks;PauseWhenVIX>30;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0064
Builder
36,431
137,764
6,989
13
2
10
US
Medium
null
null
Crypto;LeveragedETFs
1.4
19.1
10.1
Home:3y;Retirement:30y;Debt:2y
3
Concise
Medium
MaxDD;TaxCost;IRR
App>Email>Phone>In-Person
true
21:15-07:45
57
105
53
43
OpenBanking
9
null
AutoTransfer
2025-11-10
Failed
v1.8.1
NoAutoTradesBelow$1k;PauseWhenVIX>30;StopLossDisabled
Prioritize liquidity and down payment savings
A0065
Preserver
174,018
560,732
38,322
5.6
1
15
UK
Low
NoDerivatives
NoFossilFuel;NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.1
11.6
8.1
Retirement:15y;Emergency:1y;Debt:2y
15
Concise
Shallow
MaxDD;Sharpe
In-Person>Email>Chat
true
22:00-06:30
82
145
67
55
Brokerage;OpenBanking
7
Human
AutoTransfer
2025-12-11
Success
v1.9.9
NoAutoTradesBelow$1k;NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0066
Stabilizer
102,645
539,165
24,926
6.8
2
12
US
Low
null
NoFossilFuel;NoTobacco
Crypto;LeveragedETFs;PennyStocks
1
11.3
7.2
Retirement:15y;Emergency:1y
15
Educational
Shallow
Sharpe;TaxCost;MaxDD
In-Person>Email>App>Chat>Phone
true
23:00-07:15
62
162
58
52
CreditBureau;OpenBanking
18
Hybrid
Rebalance
2025-06-01
Failed
v2.10.2
StopLossDisabled
Keep expenses buffer ≥ 4 months
A0067
Optimizer
123,345
1,326,207
68,272
9.4
2
12
US
Medium
null
null
Crypto;PennyStocks;PrivateCredit
1.5
20.7
9.6
Wealth:10y;Estate:20y;Healthcare:8y
10
Directive
Deep
IRR;MaxDD;TaxCost
Chat>In-Person>Phone
true
21:30-06:15
67
107
58
46
Brokerage;OpenBanking;Payroll
7
Human
Rebalance
2025-04-19
Partial
v1.8.1
LimitOrderOnly;StopLossDisabled
Enforce tax budget and position caps
A0068
Preserver
89,927
538,351
48,375
5.8
2
10
US
Low
null
NoTobacco;ESGOnly
Crypto;LeveragedETFs;PennyStocks
1.2
11.8
8.9
Retirement:15y;Emergency:1y
15
Educational
Deep
MaxDD;TaxCost
In-Person>Chat>Phone
true
21:00-06:30
74
226
74
70
Brokerage;OpenBanking
3
Human
PlanUpdate
2025-04-10
Success
v2.9.5
NoAutoTradesBelow$1k;NoIlliquids;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0069
Explorer
38,590
246,818
8,300
17.6
4
10
US
Low
null
ESGOnly
PennyStocks
2
30.6
17.6
Business:5y;Travel:2y;Healthcare:8y
5
Concise
Deep
Sharpe;MaxDD
Chat>App>In-Person>Email>Phone
true
23:00-06:30
57
57
43
31
CreditBureau;OpenBanking;Payroll
2
Human
Rebalance
2025-08-08
Success
v1.9.5
NoIlliquids
Allow small experimental sleeve ≤ 3%
A0070
Builder
72,387
366,806
17,473
12.8
2
10
US
Low
null
NoFossilFuel;NoWeapons
PennyStocks;PrivateCredit
1.7
23.3
10.3
Home:3y;Retirement:30y;Healthcare:8y
3
Directive
Shallow
TaxCost;MaxDD
Chat>App>In-Person
true
20:15-07:15
65
94
51
41
CreditBureau;OpenBanking;Payroll
9
null
Rebalance
2025-12-09
Success
v1.9.6
NoAutoTradesBelow$1k;NoMargin;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0071
Explorer
81,699
591,929
26,073
17
1
10
US
Low
NoDerivatives;AccreditedOnly
null
PennyStocks
1.9
29.9
16.1
Business:5y;Travel:2y;Debt:2y
5
Educational
Deep
Sharpe;MaxDD;IRR
Chat>In-Person>Phone>Email
true
21:30-07:30
64
52
71
69
OpenBanking;Payroll
2
Human
AutoTransfer
2025-08-02
Failed
v1.8.6
LimitOrderOnly
Allow small experimental sleeve ≤ 3%
A0072
Explorer
45,523
-34,111
4,199
16.3
4
10
US
Low
NoShortSelling
NoFossilFuel
PennyStocks
1.8
31.8
16.8
Business:5y;Travel:2y;Healthcare:8y
5
Collaborative
Deep
Sharpe;MaxDD
Phone>Email>In-Person
true
21:45-06:30
56
61
69
65
CreditBureau;OpenBanking
1
Hybrid
AlertAcknowledge
2025-03-20
Success
v1.9.5
PauseWhenVIX>30;StopLossDisabled
Allow small experimental sleeve ≤ 3%
A0073
Explorer
111,635
761,948
21,180
17.9
1
15
IN
High
null
NoFossilFuel;NoTobacco
PennyStocks
1.7
25.7
13
Business:5y;Travel:2y;Debt:2y
5
Educational
Shallow
MaxDD;IRR
Email>Chat>App>Phone
false
23:45-08:30
40
75
48
45
OpenBanking
5
Hybrid
AlertAcknowledge
2025-06-22
Success
v2.9.5
LimitOrderOnly;NoIlliquids;NoPennyStocks
Allow small experimental sleeve ≤ 3%
A0074
Preserver
63,647
736,090
33,599
7.3
2
10
US
Medium
AccreditedOnly;NoIlliquids
ESGOnly
Crypto;LeveragedETFs;PennyStocks
1.1
8.4
5.5
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Deep
TaxCost;MaxDD
In-Person>App>Chat>Phone>Email
false
20:45-06:00
75
211
84
87
Brokerage;CreditBureau;OpenBanking
14
Human
PlanUpdate
2025-07-05
Success
v1.9.7
NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0075
Explorer
25,453
84,669
5,759
20.9
1
10
US
Low
AccreditedOnly;NoIlliquids
ESGOnly
null
1.9
25.5
16.5
Business:5y;Travel:2y;Healthcare:8y
5
Concise
Shallow
MaxDD;Sharpe
App>Chat>Phone>Email>In-Person
true
23:15-08:00
62
72
55
45
OpenBanking
6
null
PlanUpdate
2025-01-04
Success
v2.10.2
LimitOrderOnly;NoAutoTradesBelow$1k;NoPennyStocks
Allow small experimental sleeve ≤ 3%
A0076
Optimizer
202,777
3,408,171
133,060
9.9
3
12
US
Low
NoDerivatives;NoShortSelling
NoTobacco
PennyStocks
1.7
16.5
13.3
Wealth:10y;Estate:20y;Debt:2y
10
Concise
Medium
IRR;TaxCost;Sharpe
In-Person>Phone>Email
true
19:30-08:00
75
94
83
73
Brokerage;CreditBureau;OpenBanking
4
null
PlanUpdate
2025-01-20
Success
v1.10.9
NoAutoTradesBelow$1k;NoPennyStocks;StopLossDisabled
Enforce tax budget and position caps
A0077
Explorer
55,187
182,784
10,963
21.4
3
10
US
Low
NoDerivatives;AccreditedOnly
ESGOnly;NoFossilFuel
null
2.1
33.1
15.8
Business:5y;Travel:2y
5
Concise
Medium
MaxDD;TaxCost;IRR
App>Email>In-Person>Chat
false
22:00-07:30
64
52
52
49
OpenBanking
6
Human
PlanUpdate
2025-01-18
Success
v1.8.3
NoAutoTradesBelow$1k
Allow small experimental sleeve ≤ 3%
A0078
Stabilizer
69,360
233,779
28,626
6.4
1
10
US
Medium
null
NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.2
9.1
5.9
Retirement:15y;Emergency:1y
15
Educational
Medium
Sharpe;TaxCost;MaxDD
Chat>App>Phone
true
23:30-06:15
55
178
57
52
CreditBureau;OpenBanking
17
null
AutoTransfer
2025-07-20
Partial
v2.9.2
LimitOrderOnly;PauseWhenVIX>30
Keep expenses buffer ≥ 4 months
A0079
Builder
45,393
48,563
7,067
13.8
1
10
IN
Low
NoDerivatives
null
PennyStocks
1.5
15
9.4
Home:3y;Retirement:30y
3
Collaborative
Shallow
MaxDD;TaxCost
Email>App>Phone
true
20:00-08:15
66
142
51
39
CreditBureau;OpenBanking
15
Hybrid
AlertAcknowledge
2025-02-06
Success
v2.9.5
LimitOrderOnly;NoPennyStocks;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0080
Builder
32,122
31,553
1,923
10.5
2
10
US
Low
null
NoFossilFuel
null
1.7
23.9
10.2
Home:3y;Retirement:30y;Education:6y
3
Collaborative
Medium
Sharpe;MaxDD;IRR
Phone>Chat>Email>App>In-Person
true
20:30-06:15
60
117
53
46
OpenBanking;Payroll
19
Hybrid
PlanUpdate
2025-03-06
Success
v1.8.3
NoIlliquids
Prioritize liquidity and down payment savings
A0081
Optimizer
225,848
3,043,196
78,158
7.2
2
15
SG
Low
null
null
PennyStocks;PrivateCredit
1.6
17.4
10.3
Wealth:10y;Estate:20y;Education:6y
10
Directive
Deep
Sharpe;IRR
Chat>App>Phone
true
19:30-06:15
68
106
68
61
Brokerage;OpenBanking;Payroll
4
Human
Rebalance
2025-07-28
Partial
v1.8.6
NoMargin;NoPennyStocks;StopLossDisabled
Enforce tax budget and position caps
A0082
Preserver
74,940
648,346
48,227
6.1
2
10
DE
Low
NoDerivatives;AccreditedOnly
null
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1
14.6
6.2
Retirement:15y;Emergency:1y;Debt:2y
15
Concise
Shallow
MaxDD;TaxCost;Sharpe
App>Chat>Phone>Email>In-Person
true
21:00-07:30
74
219
68
62
Brokerage;CreditBureau;OpenBanking
12
null
PlanUpdate
2025-03-06
Success
v2.10.7
NoAutoTradesBelow$1k;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0083
Preserver
191,833
1,523,549
168,482
4.3
3
15
UK
Medium
NoDerivatives;NoIlliquids
null
Crypto;LeveragedETFs;PennyStocks
1
13.7
6.3
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Medium
Sharpe;MaxDD;TaxCost
Phone>Chat>In-Person>App>Email
false
20:30-08:15
66
213
69
68
Brokerage;OpenBanking
6
Hybrid
PlanUpdate
2025-09-09
Partial
v2.9.2
LimitOrderOnly;NoAutoTradesBelow$1k
Maintain ≥ 12m cash runway and low drawdown
A0084
Stabilizer
102,648
451,029
34,177
5.9
3
12
US
High
null
ESGOnly
Crypto;LeveragedETFs;PennyStocks
1.2
11.3
8.7
Retirement:15y;Emergency:1y;Healthcare:8y
15
Educational
Medium
Sharpe;MaxDD;TaxCost
Chat>Phone>In-Person>App
true
22:00-08:30
48
135
41
35
OpenBanking
7
null
PlanUpdate
2025-12-24
Success
v1.10.1
LimitOrderOnly;NoAutoTradesBelow$1k;NoMargin
Keep expenses buffer ≥ 4 months
A0085
Stabilizer
64,074
209,091
21,391
6.5
4
10
CA
Medium
null
NoWeapons;ESGOnly
Crypto;LeveragedETFs;PennyStocks
0.9
16.9
8
Retirement:15y;Emergency:1y
15
Directive
Medium
MaxDD;TaxCost;Sharpe
App>Email>In-Person>Chat
false
23:15-07:30
55
168
52
49
CreditBureau;OpenBanking
16
Human
AlertAcknowledge
2025-01-30
Failed
v1.9.7
NoIlliquids;NoMargin
Keep expenses buffer ≥ 4 months
A0086
Optimizer
70,055
794,690
28,852
9.3
3
10
US
Low
null
NoWeapons
Crypto;PennyStocks
1.7
17.4
10.6
Wealth:10y;Estate:20y;Debt:2y
10
Educational
Medium
Sharpe;MaxDD
In-Person>Chat>Email>App
true
20:30-08:15
67
83
79
79
Brokerage;CreditBureau;OpenBanking
3
Hybrid
Rebalance
2025-12-10
Failed
v2.8.9
NoIlliquids;PauseWhenVIX>30
Enforce tax budget and position caps
A0087
Preserver
73,645
1,283,249
67,457
6.9
1
10
US
Medium
null
null
Crypto;LeveragedETFs;PennyStocks
1
16
7.4
Retirement:15y;Emergency:1y
15
Concise
Medium
Sharpe;TaxCost;MaxDD
Phone>App>In-Person>Email
true
19:45-07:00
72
238
81
73
Brokerage;CreditBureau;OpenBanking
12
Hybrid
AutoTransfer
2025-08-21
Partial
v2.8.4
NoAutoTradesBelow$1k;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0088
Preserver
60,778
217,095
26,799
4.6
4
10
IN
Low
null
null
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1.2
15.3
7
Retirement:15y;Emergency:1y;Healthcare:8y
15
Concise
Medium
Sharpe;TaxCost
App>Email>Phone
false
19:45-07:45
82
170
90
84
Brokerage;CreditBureau;OpenBanking;Payroll
4
null
AutoTransfer
2025-02-28
Success
v2.10.2
NoIlliquids;NoMargin;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0089
Stabilizer
175,709
353,765
14,640
8.1
2
12
US
Low
NoShortSelling
NoFossilFuel;NoWeapons
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1.2
12
7.5
Retirement:15y;Emergency:1y;Education:6y
15
Collaborative
Deep
TaxCost;Sharpe
In-Person>App>Chat>Email>Phone
true
23:00-07:30
64
90
63
64
OpenBanking
7
Human
AutoTransfer
2025-03-05
Success
v2.10.5
LimitOrderOnly;NoIlliquids
Keep expenses buffer ≥ 4 months
A0090
Builder
71,253
279,111
16,762
9.4
4
10
IN
Low
null
NoFossilFuel;ESGOnly
PennyStocks
1.4
14.3
10
Home:3y;Retirement:30y
3
Directive
Medium
IRR;MaxDD
App>Chat>Email
true
23:45-07:00
63
71
48
40
OpenBanking
16
Hybrid
PlanUpdate
2025-04-08
Failed
v1.8.9
StopLossDisabled
Prioritize liquidity and down payment savings
A0091
Optimizer
214,293
1,761,978
108,845
6.2
4
12
US
Low
NoIlliquids;NoDerivatives
ESGOnly
PennyStocks
1.9
15.4
9.4
Wealth:10y;Estate:20y;Healthcare:8y
10
Educational
Medium
Sharpe;MaxDD
Email>In-Person>App
false
20:30-07:30
61
62
67
62
Brokerage;OpenBanking;Payroll
6
Hybrid
Rebalance
2025-08-19
Success
v2.10.2
PauseWhenVIX>30
Enforce tax budget and position caps
A0092
Preserver
59,460
569,573
44,331
7.6
1
10
CA
Low
NoShortSelling
null
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1.1
9
8.7
Retirement:15y;Emergency:1y;Healthcare:8y
15
Concise
Shallow
MaxDD;Sharpe;TaxCost
App>Chat>Phone
true
19:15-07:30
75
183
84
79
Brokerage;OpenBanking;Payroll
14
Human
Rebalance
2025-11-11
Success
v2.10.7
NoAutoTradesBelow$1k;NoIlliquids;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0093
Preserver
106,129
404,239
37,753
4.1
3
15
SG
Low
NoShortSelling
NoTobacco;NoWeapons
Crypto;LeveragedETFs;PennyStocks
1
12.8
7.8
Retirement:15y;Emergency:1y
15
Concise
Medium
MaxDD;TaxCost;Sharpe
Email>In-Person>Phone>App
true
23:00-07:00
83
205
89
90
Brokerage;CreditBureau;OpenBanking
13
null
PlanUpdate
2024-12-29
Success
v2.8.4
LimitOrderOnly;NoIlliquids
Maintain ≥ 12m cash runway and low drawdown
A0094
Builder
112,424
201,581
11,895
13.9
1
15
IN
Low
NoShortSelling;NoIlliquids
null
Crypto;LeveragedETFs
1.5
21.7
8.4
Home:3y;Retirement:30y;Education:6y
3
Educational
Deep
MaxDD;IRR
Email>App>In-Person>Phone
true
19:45-06:45
65
100
70
62
CreditBureau;OpenBanking
6
null
AlertAcknowledge
2025-01-13
Success
v2.9.6
NoMargin;NoPennyStocks
Prioritize liquidity and down payment savings
A0095
Explorer
56,911
451,013
20,394
14.7
3
10
US
Low
null
NoFossilFuel;ESGOnly
null
1.9
28.2
17.4
Business:5y;Travel:2y;Debt:2y
5
Educational
Medium
Sharpe;IRR;MaxDD
In-Person>Chat>Phone
false
23:30-07:15
68
45
69
59
CreditBureau;OpenBanking;Payroll
6
null
Rebalance
2025-11-08
Partial
v1.9.2
NoIlliquids;StopLossDisabled
Allow small experimental sleeve ≤ 3%
A0096
Stabilizer
112,765
698,129
25,202
10
1
12
US
Low
AccreditedOnly
null
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1
8.6
6.2
Retirement:15y;Emergency:1y
15
Collaborative
Medium
MaxDD;Sharpe;TaxCost
Phone>App>Email>In-Person>Chat
true
20:30-07:45
53
115
44
38
OpenBanking
6
Human
AutoTransfer
2025-04-11
Partial
v1.10.7
LimitOrderOnly;NoMargin;NoPennyStocks
Keep expenses buffer ≥ 4 months
A0097
Explorer
40,617
399,475
12,507
21.3
1
10
IN
Low
NoIlliquids
NoWeapons
null
1.6
33.4
12.8
Business:5y;Travel:2y;Healthcare:8y
5
Directive
Medium
IRR;TaxCost;MaxDD
Chat>Phone>App>In-Person
true
19:15-06:15
63
60
59
58
CreditBureau;OpenBanking;Payroll
6
null
AutoTransfer
2025-08-23
Partial
v2.10.5
NoMargin;PauseWhenVIX>30;StopLossDisabled
Allow small experimental sleeve ≤ 3%
A0098
Preserver
57,217
437,503
40,234
5.8
1
10
US
Low
NoDerivatives
null
Crypto;LeveragedETFs;PennyStocks
1
8.8
6.1
Retirement:15y;Emergency:1y;Debt:2y
15
Concise
Deep
Sharpe;MaxDD
Email>In-Person>App>Phone>Chat
true
21:15-06:45
82
210
88
87
Brokerage;CreditBureau;OpenBanking
14
Hybrid
AlertAcknowledge
2025-11-07
Success
v2.10.1
NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0099
Builder
78,490
439,978
14,247
14.1
1
10
US
Low
NoShortSelling;NoDerivatives
ESGOnly
Crypto
1.4
14.1
9
Home:3y;Retirement:30y;Healthcare:8y
3
Educational
Medium
MaxDD;TaxCost;Sharpe
Email>Chat>Phone>In-Person
true
22:45-07:15
64
130
72
66
OpenBanking
15
null
AlertAcknowledge
2025-04-19
Success
v2.9.5
NoIlliquids;NoMargin
Prioritize liquidity and down payment savings
A0100
Explorer
55,791
506,003
15,133
21.7
1
10
US
Medium
null
NoFossilFuel;ESGOnly
PrivateCredit
2
32.8
16.3
Business:5y;Travel:2y
5
Collaborative
Medium
Sharpe;MaxDD;TaxCost
Email>In-Person>Chat>Phone>App
true
20:15-07:15
57
73
49
37
OpenBanking;Payroll
2
Hybrid
AlertAcknowledge
2025-10-02
Success
v2.9.7
PauseWhenVIX>30
Allow small experimental sleeve ≤ 3%