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
A0301
Builder
93,365
161,455
9,614
11.1
1
10
US
Low
AccreditedOnly
null
null
1.6
13.2
9.6
Home:3y;Retirement:30y;Healthcare:8y
3
Concise
Shallow
MaxDD;Sharpe;IRR
Email>In-Person>Chat>Phone
false
20:30-07:00
59
145
64
52
CreditBureau;OpenBanking
19
Human
AlertAcknowledge
2025-07-30
Partial
v2.10.7
NoAutoTradesBelow$1k
Prioritize liquidity and down payment savings
A0302
Explorer
45,567
136,380
9,847
20.7
2
10
US
Low
NoIlliquids
null
PennyStocks
2.1
27.1
17.5
Business:5y;Travel:2y;Debt:2y
5
Collaborative
Shallow
MaxDD;Sharpe
In-Person>Phone>Chat
true
20:30-06:45
63
58
55
53
OpenBanking
4
Hybrid
AlertAcknowledge
2025-07-14
Partial
v2.9.6
PauseWhenVIX>30
Allow small experimental sleeve ≤ 3%
A0303
Preserver
75,836
708,321
55,298
6.5
1
10
US
Low
NoShortSelling
ESGOnly
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1
16.4
8.8
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Medium
TaxCost;Sharpe;MaxDD
Email>Phone>In-Person>Chat
false
23:30-08:00
79
237
89
88
Brokerage;OpenBanking
4
Hybrid
AutoTransfer
2025-07-18
Success
v1.8.3
NoAutoTradesBelow$1k;NoMargin;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A0304
Preserver
126,051
617,207
53,756
7.7
1
12
US
Low
AccreditedOnly;NoShortSelling
NoTobacco
Crypto;LeveragedETFs;PennyStocks
1
8.5
6.9
Retirement:15y;Emergency:1y
15
Collaborative
Shallow
MaxDD;TaxCost;Sharpe
Email>Chat>App>Phone>In-Person
true
23:30-07:00
69
182
61
61
Brokerage;CreditBureau;OpenBanking;Payroll
9
Hybrid
AutoTransfer
2025-10-29
Success
v2.9.8
NoAutoTradesBelow$1k;NoMargin;NoPennyStocks;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A0305
Preserver
93,189
553,944
66,580
3.6
3
10
US
Low
NoDerivatives;NoShortSelling
NoTobacco
Crypto;LeveragedETFs;PennyStocks
1.1
12.1
8.2
Retirement:15y;Emergency:1y;Debt:2y
15
Concise
Deep
TaxCost;Sharpe
Email>In-Person>App
true
21:00-06:00
76
135
70
62
Brokerage;CreditBureau;OpenBanking;Payroll
12
null
PlanUpdate
2025-08-08
Success
v1.8.9
LimitOrderOnly;NoIlliquids;NoMargin;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A0306
Stabilizer
127,131
515,238
47,017
8
3
15
UK
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1
14.1
6.4
Retirement:15y;Emergency:1y;Healthcare:8y
15
Collaborative
Deep
MaxDD;TaxCost;Sharpe
Email>In-Person>Chat
true
19:30-08:15
60
160
65
57
OpenBanking
11
null
Rebalance
2025-11-06
Success
v1.9.3
LimitOrderOnly;NoAutoTradesBelow$1k;StopLossDisabled
Keep expenses buffer ≥ 4 months
A0307
Builder
48,196
282,299
6,938
9.7
4
10
AU
Medium
null
ESGOnly;NoWeapons
null
1.5
13.3
10.4
Home:3y;Retirement:30y;Education:6y
3
Educational
Medium
Sharpe;TaxCost;MaxDD
Phone>Email>In-Person>Chat
true
22:00-07:30
66
108
68
68
CreditBureau;OpenBanking
17
Hybrid
AutoTransfer
2025-06-20
Success
v2.9.9
PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0308
Builder
92,760
276,219
20,550
9.7
4
10
US
Low
NoIlliquids
ESGOnly;NoFossilFuel
Crypto
1.5
15.1
9.3
Home:3y;Retirement:30y;Debt:2y
3
Educational
Shallow
Sharpe;TaxCost
Chat>App>Phone>Email>In-Person
true
20:30-06:15
59
113
59
56
CreditBureau;OpenBanking
10
null
AutoTransfer
2025-12-21
Success
v1.9.1
NoAutoTradesBelow$1k;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0309
Preserver
113,216
1,119,832
73,771
8.8
1
12
US
Low
null
NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.1
9.9
8.6
Retirement:15y;Emergency:1y;Healthcare:8y
15
Concise
Medium
MaxDD;Sharpe;TaxCost
Chat>Email>App
false
23:30-06:45
76
191
75
74
Brokerage;CreditBureau;OpenBanking
11
Hybrid
Rebalance
2025-05-02
Success
v2.8.2
NoIlliquids
Maintain ≥ 12m cash runway and low drawdown
A0310
Preserver
93,847
950,355
60,726
4.6
3
10
US
Low
null
NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
1.2
11.8
7
Retirement:15y;Emergency:1y
15
Concise
Medium
Sharpe;TaxCost
Phone>Email>Chat>App
true
20:00-07:45
78
166
66
56
Brokerage;CreditBureau;OpenBanking;Payroll
14
null
PlanUpdate
2025-02-15
Success
v2.9.9
NoMargin;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0311
Stabilizer
119,836
608,131
61,175
9.3
1
12
US
Low
NoShortSelling
null
Crypto;LeveragedETFs;PennyStocks
0.9
12.2
8.9
Retirement:15y;Emergency:1y
15
Directive
Medium
Sharpe;TaxCost;MaxDD
In-Person>App>Email>Phone
true
20:15-08:30
56
124
48
37
OpenBanking;Payroll
13
null
Rebalance
2025-05-08
Success
v2.9.7
LimitOrderOnly;NoMargin
Keep expenses buffer ≥ 4 months
A0312
Explorer
89,862
227,566
24,298
22.4
1
10
US
Low
null
NoTobacco
PennyStocks;PrivateCredit
1.8
25.5
12.8
Business:5y;Travel:2y;Healthcare:8y
5
Educational
Shallow
TaxCost;MaxDD;IRR
Chat>App>Email
true
19:45-06:30
63
89
73
66
CreditBureau;OpenBanking
7
null
AlertAcknowledge
2025-12-26
Success
v2.8.4
NoAutoTradesBelow$1k;NoMargin;NoPennyStocks
Allow small experimental sleeve ≤ 3%
A0313
Optimizer
72,949
1,124,474
35,198
9.1
3
10
US
Low
NoShortSelling
null
PennyStocks
1.9
20.8
9.4
Wealth:10y;Estate:20y;Healthcare:8y
10
Educational
Deep
MaxDD;Sharpe
In-Person>Chat>App>Phone
true
21:45-07:00
73
97
87
75
Brokerage;OpenBanking
6
Human
AlertAcknowledge
2025-03-11
Success
v1.10.7
LimitOrderOnly;NoIlliquids;StopLossDisabled
Enforce tax budget and position caps
A0314
Builder
88,264
146,374
11,494
12.7
3
10
AU
Low
NoShortSelling;AccreditedOnly
null
LeveragedETFs;PennyStocks
1.7
21.4
7.5
Home:3y;Retirement:30y
3
Collaborative
Shallow
MaxDD;IRR
Phone>App>In-Person>Email>Chat
false
20:45-07:00
61
130
51
51
OpenBanking
9
Human
AutoTransfer
2025-06-08
Success
v2.9.2
NoIlliquids
Prioritize liquidity and down payment savings
A0315
Builder
122,853
558,009
17,227
13.2
3
15
AU
Low
null
ESGOnly;NoTobacco
null
1.4
15.2
7.8
Home:3y;Retirement:30y
3
Collaborative
Medium
Sharpe;IRR;MaxDD
Phone>In-Person>Chat>Email>App
false
20:45-07:45
70
117
65
55
CreditBureau;OpenBanking
11
null
PlanUpdate
2025-10-11
Partial
v2.9.8
LimitOrderOnly;NoAutoTradesBelow$1k;StopLossDisabled
Prioritize liquidity and down payment savings
A0316
Optimizer
112,958
644,937
60,014
8.6
3
12
US
Low
null
null
PennyStocks
1.6
26.3
12.5
Wealth:10y;Estate:20y;Healthcare:8y
10
Collaborative
Shallow
TaxCost;IRR;MaxDD
Chat>Email>Phone>In-Person>App
true
22:00-08:15
74
114
70
70
Brokerage;OpenBanking;Payroll
5
Human
PlanUpdate
2025-10-24
Failed
v2.9.4
NoIlliquids
Enforce tax budget and position caps
A0317
Builder
59,166
128,682
5,639
14.8
1
10
US
Low
NoIlliquids;NoDerivatives
ESGOnly;NoWeapons
null
1.4
17.6
9.5
Home:3y;Retirement:30y;Healthcare:8y
3
Collaborative
Shallow
IRR;MaxDD;Sharpe
App>Chat>Email
true
21:00-06:00
57
100
42
31
CreditBureau;OpenBanking
10
Hybrid
AutoTransfer
2025-02-01
Success
v1.10.1
NoAutoTradesBelow$1k
Prioritize liquidity and down payment savings
A0318
Builder
48,955
237,967
5,587
12.4
2
10
US
Low
NoDerivatives
ESGOnly;NoFossilFuel
null
1.6
21.6
10.9
Home:3y;Retirement:30y;Healthcare:8y
3
Concise
Shallow
TaxCost;IRR;MaxDD
Phone>In-Person>Email>App
false
22:30-06:00
72
78
82
78
CreditBureau;OpenBanking
7
Hybrid
PlanUpdate
2025-05-18
Success
v1.9.9
NoAutoTradesBelow$1k;NoIlliquids;NoMargin
Prioritize liquidity and down payment savings
A0319
Stabilizer
72,713
496,800
32,173
7.3
1
10
US
Low
AccreditedOnly
ESGOnly;NoTobacco
Crypto;LeveragedETFs;PennyStocks
1.1
9.8
5.7
Retirement:15y;Emergency:1y;Education:6y
15
Concise
Medium
TaxCost;MaxDD;Sharpe
Phone>App>Chat>Email>In-Person
true
21:30-06:00
63
131
53
41
CreditBureau;OpenBanking
9
null
Rebalance
2025-12-09
Success
v2.9.7
NoIlliquids;NoMargin;StopLossDisabled
Keep expenses buffer ≥ 4 months
A0320
Stabilizer
97,558
145,723
11,016
5.8
3
10
US
Medium
null
null
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
0.9
9.3
8.4
Retirement:15y;Emergency:1y;Debt:2y
15
Directive
Medium
Sharpe;TaxCost
App>Email>Phone>In-Person>Chat
true
19:30-06:30
49
118
34
28
CreditBureau;OpenBanking
12
Hybrid
PlanUpdate
2025-11-17
Success
v1.8.3
LimitOrderOnly;NoMargin;NoPennyStocks;PauseWhenVIX>30
Keep expenses buffer ≥ 4 months
A0321
Builder
45,800
268,131
12,075
9.8
4
10
AU
Low
AccreditedOnly;NoIlliquids
null
null
1.8
21.5
10.4
Home:3y;Retirement:30y;Healthcare:8y
3
Educational
Deep
MaxDD;TaxCost;IRR
Chat>In-Person>App>Email>Phone
true
23:30-06:00
67
115
57
54
CreditBureau;OpenBanking;Payroll
11
Human
AlertAcknowledge
2025-03-06
Partial
v1.9.7
LimitOrderOnly;NoIlliquids;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0322
Optimizer
61,501
674,812
21,371
8.1
1
10
US
Medium
null
null
PennyStocks;PrivateCredit
1.7
21.1
13.9
Wealth:10y;Estate:20y
10
Concise
Shallow
Sharpe;TaxCost;MaxDD
Chat>Phone>In-Person
true
20:15-08:15
58
116
66
58
Brokerage;CreditBureau;OpenBanking;Payroll
6
Human
PlanUpdate
2025-07-24
Success
v1.9.2
LimitOrderOnly;NoMargin
Enforce tax budget and position caps
A0323
Builder
55,877
114,656
10,432
15.2
1
10
SG
Medium
NoShortSelling;NoIlliquids
NoWeapons;ESGOnly
null
1.5
23.4
10.8
Home:3y;Retirement:30y;Healthcare:8y
3
Educational
Shallow
IRR;Sharpe;MaxDD
In-Person>Chat>App
false
20:30-07:30
66
76
73
73
CreditBureau;OpenBanking;Payroll
19
null
AlertAcknowledge
2025-03-09
Success
v2.9.8
LimitOrderOnly
Prioritize liquidity and down payment savings
A0324
Preserver
56,846
505,745
37,723
3.7
4
10
US
Low
null
ESGOnly;NoWeapons
Crypto;LeveragedETFs;PennyStocks
1
15.4
6
Retirement:15y;Emergency:1y;Healthcare:8y
15
Educational
Deep
MaxDD;Sharpe;TaxCost
Phone>In-Person>Email>App
true
22:45-06:00
70
184
60
52
Brokerage;CreditBureau;OpenBanking;Payroll
13
Hybrid
Rebalance
2025-12-20
Failed
v2.9.1
LimitOrderOnly
Maintain ≥ 12m cash runway and low drawdown
A0325
Explorer
83,738
653,090
27,724
21.1
2
10
US
Medium
NoIlliquids;AccreditedOnly
null
PennyStocks
2
23.2
15.4
Business:5y;Travel:2y;Education:6y
5
Collaborative
Deep
IRR;TaxCost;Sharpe
Chat>Phone>App
true
21:15-06:15
57
69
64
59
CreditBureau;OpenBanking
4
Hybrid
AutoTransfer
2025-03-16
Success
v1.10.9
LimitOrderOnly;NoIlliquids
Allow small experimental sleeve ≤ 3%
A0326
Stabilizer
61,131
204,060
22,052
6.9
3
10
US
Low
NoDerivatives;AccreditedOnly
NoWeapons;NoFossilFuel
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1.1
11.5
8
Retirement:15y;Emergency:1y
15
Directive
Shallow
MaxDD;Sharpe
App>Email>Phone
false
21:15-08:45
65
132
55
51
CreditBureau;OpenBanking
7
null
Rebalance
2025-07-04
Partial
v1.10.5
NoIlliquids;NoMargin
Keep expenses buffer ≥ 4 months
A0327
Stabilizer
34,986
83,975
9,187
7.9
3
10
US
Low
AccreditedOnly;NoDerivatives
null
Crypto;LeveragedETFs;PennyStocks
1.1
12.7
5.2
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Deep
TaxCost;MaxDD;Sharpe
In-Person>Phone>Chat>App>Email
false
21:00-06:00
59
171
47
45
CreditBureau;OpenBanking
8
null
AutoTransfer
2025-01-15
Partial
v2.10.8
LimitOrderOnly;NoMargin;PauseWhenVIX>30
Keep expenses buffer ≥ 4 months
A0328
Builder
56,563
119,185
14,741
11
2
10
US
High
null
null
LeveragedETFs;PennyStocks
1.7
22.9
8
Home:3y;Retirement:30y;Healthcare:8y
3
Concise
Medium
MaxDD;Sharpe
App>Phone>Email>In-Person>Chat
true
22:15-08:00
57
123
45
42
CreditBureau;OpenBanking;Payroll
20
null
AutoTransfer
2025-03-19
Success
v2.10.4
NoPennyStocks;StopLossDisabled
Prioritize liquidity and down payment savings
A0329
Builder
60,677
137,504
10,514
8
4
10
UK
Low
null
null
null
1.5
13.7
8
Home:3y;Retirement:30y;Education:6y
3
Collaborative
Medium
Sharpe;IRR;MaxDD
Phone>Email>In-Person>App>Chat
true
20:00-06:45
62
134
67
65
OpenBanking
17
Human
Rebalance
2025-04-14
Success
v2.8.8
LimitOrderOnly;NoMargin
Prioritize liquidity and down payment savings
A0330
Explorer
80,992
560,703
34,877
17.6
4
10
US
Medium
null
NoWeapons
null
1.8
34.5
14.3
Business:5y;Travel:2y;Education:6y
5
Concise
Medium
Sharpe;TaxCost
Phone>In-Person>Email>App>Chat
true
19:45-08:30
56
68
47
45
OpenBanking;Payroll
3
null
Rebalance
2025-05-27
Success
v1.8.2
NoIlliquids;NoMargin;StopLossDisabled
Allow small experimental sleeve ≤ 3%
A0331
Explorer
61,981
251,049
10,306
15.9
3
10
US
Medium
null
NoTobacco
null
2.1
25.2
15.4
Business:5y;Travel:2y;Debt:2y
5
Educational
Shallow
IRR;MaxDD
In-Person>App>Chat>Email
true
23:00-07:15
49
74
36
35
OpenBanking
5
Human
AlertAcknowledge
2025-08-06
Failed
v1.8.9
NoAutoTradesBelow$1k;NoPennyStocks
Allow small experimental sleeve ≤ 3%
A0332
Builder
153,418
518,060
30,077
12.5
2
15
IN
Low
NoShortSelling
ESGOnly;NoWeapons
PennyStocks;PrivateCredit
1.6
24
7
Home:3y;Retirement:30y;Healthcare:8y
3
Directive
Medium
TaxCost;IRR
In-Person>Phone>Chat>App>Email
true
23:00-08:45
61
142
62
52
CreditBureau;OpenBanking
12
Human
Rebalance
2025-04-21
Partial
v1.8.3
NoAutoTradesBelow$1k;NoMargin
Prioritize liquidity and down payment savings
A0333
Optimizer
93,027
766,733
46,234
9.6
1
10
US
Medium
null
ESGOnly;NoWeapons
LeveragedETFs;PennyStocks;PrivateCredit
1.6
24.4
14
Wealth:10y;Estate:20y
10
Educational
Shallow
TaxCost;MaxDD
App>Phone>In-Person>Chat>Email
false
19:30-07:30
68
118
72
65
Brokerage;CreditBureau;OpenBanking
7
Human
PlanUpdate
2025-03-15
Success
v1.9.1
NoMargin
Enforce tax budget and position caps
A0334
Builder
64,338
158,818
10,802
12.9
1
10
CA
Medium
NoIlliquids
NoTobacco
null
1.7
22.5
11.2
Home:3y;Retirement:30y
3
Educational
Medium
Sharpe;IRR;TaxCost
Chat>Email>Phone>In-Person>App
true
22:30-06:15
57
77
51
42
OpenBanking
12
null
AlertAcknowledge
2025-03-21
Partial
v2.8.4
NoAutoTradesBelow$1k;StopLossDisabled
Prioritize liquidity and down payment savings
A0335
Explorer
63,176
214,644
16,009
13.8
3
10
US
Low
NoIlliquids
null
Crypto;LeveragedETFs
1.9
22.9
15.9
Business:5y;Travel:2y;Education:6y
5
Concise
Shallow
Sharpe;MaxDD;IRR
Email>Chat>Phone
true
21:15-06:15
61
50
54
42
OpenBanking;Payroll
3
null
AlertAcknowledge
2025-02-21
Success
v1.8.3
LimitOrderOnly;NoPennyStocks
Allow small experimental sleeve ≤ 3%
A0336
Builder
58,268
97,126
8,326
13.3
2
10
AU
Medium
NoDerivatives;NoShortSelling
null
Crypto;PrivateCredit
1.8
18.8
8.5
Home:3y;Retirement:30y;Debt:2y
3
Collaborative
Shallow
MaxDD;IRR;TaxCost
In-Person>Email>Chat>App>Phone
false
20:30-06:15
62
148
53
41
OpenBanking
14
null
Rebalance
2025-11-23
Success
v1.8.1
LimitOrderOnly
Prioritize liquidity and down payment savings
A0337
Explorer
70,551
468,433
21,046
13.4
4
10
US
Medium
AccreditedOnly;NoDerivatives
null
PennyStocks
1.6
29.1
16.3
Business:5y;Travel:2y;Healthcare:8y
5
Concise
Shallow
Sharpe;IRR;MaxDD
Phone>In-Person>Chat>App
false
19:00-06:45
54
52
65
56
CreditBureau;OpenBanking;Payroll
7
null
Rebalance
2025-09-22
Partial
v1.8.8
NoIlliquids;PauseWhenVIX>30;StopLossDisabled
Allow small experimental sleeve ≤ 3%
A0338
Preserver
122,576
761,034
113,091
7.7
2
12
US
Low
null
NoFossilFuel;NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.1
11.8
7.2
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Medium
TaxCost;MaxDD;Sharpe
Chat>In-Person>Email
true
20:45-07:15
67
213
69
68
Brokerage;OpenBanking;Payroll
12
Hybrid
AlertAcknowledge
2025-10-30
Success
v1.9.4
NoIlliquids;NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0339
Builder
120,939
345,796
31,023
11.7
3
12
US
High
null
null
LeveragedETFs
1.4
20.9
10.6
Home:3y;Retirement:30y;Healthcare:8y
3
Directive
Medium
TaxCost;IRR
Email>App>Phone>In-Person>Chat
true
21:00-07:15
61
150
47
44
CreditBureau;OpenBanking;Payroll
18
Hybrid
AlertAcknowledge
2025-11-24
Partial
v1.9.3
LimitOrderOnly;NoIlliquids
Prioritize liquidity and down payment savings
A0340
Preserver
52,696
606,874
21,651
5
4
10
US
Low
null
NoWeapons
Crypto;LeveragedETFs;PennyStocks
1
15.7
5.3
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Shallow
MaxDD;TaxCost
In-Person>Phone>Chat>Email
true
19:30-07:15
75
138
78
81
Brokerage;OpenBanking;Payroll
12
null
AlertAcknowledge
2025-06-29
Success
v2.9.6
NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0341
Explorer
52,593
256,410
9,825
15
1
10
AU
Medium
null
ESGOnly
null
2
31.3
16.4
Business:5y;Travel:2y
5
Collaborative
Medium
MaxDD;Sharpe
Email>Chat>App
true
22:00-07:00
61
53
49
37
CreditBureau;OpenBanking;Payroll
4
Hybrid
Rebalance
2025-08-19
Partial
v1.8.5
LimitOrderOnly;NoIlliquids
Allow small experimental sleeve ≤ 3%
A0342
Builder
54,095
244,406
8,356
9.1
2
10
AU
Low
null
NoWeapons
null
1.4
14.5
8.9
Home:3y;Retirement:30y;Education:6y
3
Concise
Medium
MaxDD;Sharpe
Email>App>Phone>Chat
true
20:15-06:15
58
111
47
40
OpenBanking
19
Hybrid
AlertAcknowledge
2025-01-05
Failed
v2.9.3
NoPennyStocks;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0343
Stabilizer
108,434
489,014
43,071
9.2
1
15
UK
Low
AccreditedOnly;NoShortSelling
null
Crypto;LeveragedETFs;PennyStocks
1.2
15
7.7
Retirement:15y;Emergency:1y
15
Concise
Medium
MaxDD;TaxCost;Sharpe
Chat>In-Person>App>Phone>Email
false
20:15-07:00
64
102
55
53
CreditBureau;OpenBanking
12
null
AlertAcknowledge
2025-05-17
Partial
v2.10.4
LimitOrderOnly;NoPennyStocks
Keep expenses buffer ≥ 4 months
A0344
Builder
56,359
104,528
12,405
11.1
1
10
US
Low
null
null
Crypto;LeveragedETFs
1.7
19.5
7.1
Home:3y;Retirement:30y;Debt:2y
3
Collaborative
Medium
IRR;Sharpe;MaxDD
Email>In-Person>Phone>Chat>App
true
21:30-06:30
64
149
60
48
OpenBanking
12
Hybrid
Rebalance
2025-10-15
Success
v1.9.3
NoMargin;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0345
Optimizer
46,742
766,867
23,608
10.5
1
10
US
Low
NoDerivatives;AccreditedOnly
ESGOnly;NoWeapons
PennyStocks
1.7
23.8
11.2
Wealth:10y;Estate:20y;Debt:2y
10
Collaborative
Deep
Sharpe;MaxDD
Email>App>Chat>In-Person>Phone
true
23:00-06:15
71
83
82
72
Brokerage;OpenBanking;Payroll
1
null
Rebalance
2025-02-10
Partial
v2.10.9
NoMargin;NoPennyStocks
Enforce tax budget and position caps
A0346
Builder
68,835
16,894
2,452
9.7
1
10
US
Low
NoShortSelling;NoIlliquids
ESGOnly;NoTobacco
PrivateCredit
1.6
21.6
7.1
Home:3y;Retirement:30y;Debt:2y
3
Collaborative
Shallow
MaxDD;TaxCost
In-Person>Chat>Email
false
20:15-07:00
59
90
62
60
CreditBureau;OpenBanking;Payroll
8
Human
PlanUpdate
2025-04-10
Partial
v2.8.1
LimitOrderOnly;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0347
Builder
65,175
130,984
9,999
9.9
2
10
DE
Medium
null
NoWeapons
null
1.6
16.7
8.8
Home:3y;Retirement:30y
3
Collaborative
Deep
Sharpe;TaxCost;IRR
App>Email>Chat>Phone>In-Person
false
20:45-07:00
57
88
55
47
OpenBanking;Payroll
18
Hybrid
Rebalance
2025-06-23
Success
v1.9.6
NoMargin;NoPennyStocks
Prioritize liquidity and down payment savings
A0348
Optimizer
131,910
2,573,858
84,662
4.8
4
15
AU
Low
null
null
PennyStocks;PrivateCredit
1.6
27.1
10.1
Wealth:10y;Estate:20y;Education:6y
10
Educational
Deep
Sharpe;MaxDD
Chat>Email>App>Phone>In-Person
true
21:00-07:15
75
78
74
66
Brokerage;CreditBureau;OpenBanking;Payroll
1
Hybrid
Rebalance
2025-11-25
Partial
v1.8.3
NoMargin;NoPennyStocks
Enforce tax budget and position caps
A0349
Builder
41,436
120,739
4,756
8.3
4
10
US
Low
null
NoFossilFuel
null
1.4
23.5
9.4
Home:3y;Retirement:30y
3
Educational
Medium
Sharpe;MaxDD;TaxCost
In-Person>Phone>Email
true
19:30-08:00
67
135
75
63
CreditBureau;OpenBanking
18
null
AutoTransfer
2025-07-17
Success
v2.8.6
NoMargin
Prioritize liquidity and down payment savings
A0350
Builder
143,424
332,476
11,836
10.3
1
15
UK
Medium
NoShortSelling;NoDerivatives
NoWeapons
null
1.6
19
7.3
Home:3y;Retirement:30y;Education:6y
3
Collaborative
Shallow
IRR;TaxCost
App>Chat>Phone>In-Person>Email
false
23:30-06:30
63
111
55
49
OpenBanking
17
Human
AutoTransfer
2025-01-08
Partial
v1.9.9
LimitOrderOnly;NoAutoTradesBelow$1k;NoPennyStocks
Prioritize liquidity and down payment savings
A0351
Builder
57,197
162,387
9,134
9.5
3
10
SG
Low
NoDerivatives
NoTobacco;NoFossilFuel
LeveragedETFs
1.4
16
10.6
Home:3y;Retirement:30y;Debt:2y
3
Concise
Medium
Sharpe;TaxCost
Chat>Phone>App>Email
false
21:30-06:00
61
93
67
66
CreditBureau;OpenBanking;Payroll
6
null
Rebalance
2025-10-03
Success
v2.9.6
NoMargin;StopLossDisabled
Prioritize liquidity and down payment savings
A0352
Optimizer
109,738
2,399,079
73,337
10.4
4
12
US
Low
null
null
PennyStocks
1.8
22.2
12.9
Wealth:10y;Estate:20y;Education:6y
10
Concise
Medium
MaxDD;IRR;Sharpe
App>In-Person>Chat>Phone>Email
true
21:15-06:00
75
78
65
56
Brokerage;CreditBureau;OpenBanking
2
Hybrid
PlanUpdate
2025-04-28
Success
v2.8.8
NoIlliquids;NoMargin;NoPennyStocks
Enforce tax budget and position caps
A0353
Preserver
68,871
467,229
29,629
6.4
2
10
US
Low
AccreditedOnly;NoShortSelling
NoTobacco;NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.1
8.5
5.6
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Shallow
TaxCost;MaxDD;Sharpe
App>Email>In-Person
false
19:15-06:30
77
173
74
77
Brokerage;OpenBanking;Payroll
11
Hybrid
AlertAcknowledge
2025-06-06
Success
v2.10.2
NoIlliquids;NoMargin;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0354
Optimizer
75,697
734,988
44,360
11.6
2
10
UK
Low
NoIlliquids
NoTobacco;NoFossilFuel
PennyStocks;PrivateCredit
1.6
19.1
11.4
Wealth:10y;Estate:20y;Education:6y
10
Collaborative
Shallow
Sharpe;TaxCost;IRR
Chat>Phone>App
true
19:45-07:30
71
83
63
62
Brokerage;OpenBanking
7
Hybrid
Rebalance
2025-05-18
Success
v2.10.1
NoIlliquids
Enforce tax budget and position caps
A0355
Preserver
60,530
399,000
33,480
7.2
1
10
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
0.9
8.5
5.7
Retirement:15y;Emergency:1y
15
Concise
Shallow
MaxDD;Sharpe
Chat>Email>App
false
22:45-06:00
68
213
69
66
Brokerage;CreditBureau;OpenBanking
12
null
PlanUpdate
2025-04-21
Success
v1.9.9
NoAutoTradesBelow$1k;NoMargin;NoPennyStocks;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A0356
Builder
55,437
76,362
7,834
9.7
3
10
US
Medium
null
null
PrivateCredit
1.6
16.5
10.5
Home:3y;Retirement:30y
3
Educational
Deep
TaxCost;Sharpe;MaxDD
App>Chat>In-Person>Email
true
23:30-08:45
65
104
50
49
OpenBanking
18
null
AlertAcknowledge
2025-10-10
Partial
v1.8.4
NoAutoTradesBelow$1k;NoMargin
Prioritize liquidity and down payment savings
A0357
Preserver
67,303
208,578
11,271
4.8
2
10
IN
High
NoShortSelling
NoFossilFuel;NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.1
14.6
8.1
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Deep
Sharpe;TaxCost
Email>Chat>App
true
20:45-06:30
61
129
49
46
Brokerage;OpenBanking
14
null
PlanUpdate
2025-10-27
Success
v1.9.8
NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0358
Preserver
224,714
1,345,346
131,385
5.5
3
15
CA
Low
null
NoFossilFuel;NoWeapons
Crypto;LeveragedETFs;PennyStocks
1
11.3
6.9
Retirement:15y;Emergency:1y
15
Educational
Medium
MaxDD;Sharpe
Chat>Email>App>Phone
true
20:00-08:30
81
207
87
84
Brokerage;CreditBureau;OpenBanking
11
Hybrid
PlanUpdate
2025-11-01
Success
v2.9.9
LimitOrderOnly;NoMargin;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0359
Preserver
46,379
373,416
23,333
4.3
4
10
UK
Medium
NoIlliquids
ESGOnly
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1.2
14.4
5.5
Retirement:15y;Emergency:1y;Debt:2y
15
Concise
Medium
TaxCost;MaxDD
Email>App>Chat>Phone>In-Person
true
20:15-06:45
64
135
74
65
Brokerage;OpenBanking
4
Hybrid
AutoTransfer
2025-01-12
Success
v1.8.1
NoAutoTradesBelow$1k;NoMargin;NoPennyStocks;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0360
Builder
39,825
-8,175
1,000
12
1
10
US
Low
NoDerivatives
ESGOnly
PrivateCredit
1.5
15.3
10
Home:3y;Retirement:30y;Debt:2y
3
Educational
Deep
TaxCost;Sharpe;IRR
In-Person>Chat>Phone>Email>App
false
22:00-06:45
63
143
69
68
OpenBanking
15
null
AlertAcknowledge
2025-01-02
Success
v2.10.3
LimitOrderOnly;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0361
Stabilizer
61,784
284,501
25,237
6.7
3
10
US
Low
NoIlliquids;NoShortSelling
null
Crypto;LeveragedETFs;PennyStocks
0.9
11.1
6.8
Retirement:15y;Emergency:1y;Healthcare:8y
15
Directive
Deep
MaxDD;TaxCost;Sharpe
In-Person>Chat>Phone>App
false
22:15-08:45
68
146
70
68
OpenBanking
19
Human
AutoTransfer
2025-07-01
Success
v1.10.4
PauseWhenVIX>30
Keep expenses buffer ≥ 4 months
A0362
Builder
89,596
217,770
9,437
12
3
10
US
Low
NoIlliquids
NoFossilFuel;NoTobacco
Crypto
1.4
19.7
8.1
Home:3y;Retirement:30y;Debt:2y
3
Educational
Deep
IRR;MaxDD
App>Chat>Email>In-Person
true
22:45-06:45
64
79
65
56
OpenBanking;Payroll
11
null
AlertAcknowledge
2025-05-25
Partial
v2.9.3
LimitOrderOnly;NoMargin;StopLossDisabled
Prioritize liquidity and down payment savings
A0363
Optimizer
98,039
547,068
43,922
8.9
3
10
US
Medium
null
null
PennyStocks
1.4
27.9
12.2
Wealth:10y;Estate:20y;Debt:2y
10
Concise
Medium
IRR;MaxDD;TaxCost
Chat>In-Person>Phone
true
23:30-08:15
71
90
78
70
Brokerage;OpenBanking
6
Human
Rebalance
2025-06-16
Success
v1.9.6
LimitOrderOnly
Enforce tax budget and position caps
A0364
Optimizer
169,055
1,109,207
42,945
6.1
3
12
US
Low
AccreditedOnly
NoTobacco
PennyStocks
1.7
22.9
10.7
Wealth:10y;Estate:20y;Education:6y
10
Concise
Medium
Sharpe;TaxCost;MaxDD
In-Person>Phone>Email>Chat
true
20:30-08:45
69
97
67
57
Brokerage;OpenBanking;Payroll
1
Hybrid
AlertAcknowledge
2025-02-18
Partial
v1.10.7
NoMargin;PauseWhenVIX>30;StopLossDisabled
Enforce tax budget and position caps
A0365
Optimizer
73,614
1,354,181
46,933
8.4
1
10
US
Low
NoShortSelling
NoTobacco
PennyStocks
1.9
22.8
13.8
Wealth:10y;Estate:20y;Education:6y
10
Directive
Medium
MaxDD;Sharpe;IRR
Email>Phone>Chat>In-Person>App
true
21:45-08:30
76
75
66
64
Brokerage;CreditBureau;OpenBanking;Payroll
4
Hybrid
PlanUpdate
2025-04-04
Success
v2.8.1
NoAutoTradesBelow$1k
Enforce tax budget and position caps
A0366
Preserver
101,084
477,163
61,308
4.9
3
15
AU
Low
NoShortSelling;AccreditedOnly
null
Crypto;LeveragedETFs;PennyStocks
1
9.2
7.4
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Medium
Sharpe;TaxCost
Chat>Phone>App>In-Person>Email
false
21:00-07:15
83
208
74
64
Brokerage;OpenBanking
8
null
PlanUpdate
2025-10-15
Failed
v2.10.6
NoAutoTradesBelow$1k;NoMargin;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A0367
Explorer
145,047
707,582
41,589
12.9
3
15
SG
Medium
AccreditedOnly
NoWeapons;NoFossilFuel
null
2
26.4
15.4
Business:5y;Travel:2y;Healthcare:8y
5
Educational
Shallow
Sharpe;IRR
App>In-Person>Chat
false
23:30-06:45
61
71
71
60
CreditBureau;OpenBanking
3
null
Rebalance
2025-05-22
Failed
v2.10.1
NoIlliquids;NoPennyStocks;PauseWhenVIX>30
Allow small experimental sleeve ≤ 3%
A0368
Stabilizer
48,705
102,597
4,005
8.4
2
10
DE
Low
null
NoWeapons;ESGOnly
Crypto;LeveragedETFs;PennyStocks
1
16.8
5.3
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Deep
MaxDD;Sharpe;TaxCost
Email>Chat>App>Phone
true
22:15-06:00
61
161
65
65
OpenBanking;Payroll
9
null
PlanUpdate
2025-11-23
Success
v1.10.7
NoMargin
Keep expenses buffer ≥ 4 months
A0369
Explorer
79,921
504,361
26,863
14.9
4
10
US
Low
AccreditedOnly;NoShortSelling
NoWeapons;ESGOnly
PennyStocks
2
33.5
18
Business:5y;Travel:2y;Healthcare:8y
5
Collaborative
Shallow
TaxCost;Sharpe;MaxDD
Email>App>Chat
true
21:45-07:45
60
83
60
55
OpenBanking
3
null
PlanUpdate
2025-10-06
Success
v2.8.4
NoAutoTradesBelow$1k;NoPennyStocks;PauseWhenVIX>30
Allow small experimental sleeve ≤ 3%
A0370
Explorer
72,628
263,074
22,624
13.3
3
10
US
Low
AccreditedOnly;NoDerivatives
ESGOnly;NoTobacco
LeveragedETFs;PennyStocks
1.9
22.6
12.3
Business:5y;Travel:2y;Debt:2y
5
Educational
Shallow
IRR;TaxCost
Email>In-Person>App>Phone>Chat
false
22:15-07:30
55
67
49
42
OpenBanking
2
null
PlanUpdate
2025-09-12
Success
v2.9.7
LimitOrderOnly;NoIlliquids;NoMargin
Allow small experimental sleeve ≤ 3%
A0371
Builder
24,024
91,157
7,389
10.1
1
10
US
Medium
null
null
PennyStocks
1.8
16.3
11.4
Home:3y;Retirement:30y
3
Directive
Medium
IRR;MaxDD;Sharpe
Email>Chat>In-Person>App
true
19:45-06:30
63
121
62
59
OpenBanking;Payroll
14
null
PlanUpdate
2025-09-21
Success
v2.10.5
NoIlliquids;StopLossDisabled
Prioritize liquidity and down payment savings
A0372
Explorer
50,765
129,195
6,807
14.2
3
10
DE
Low
null
null
PennyStocks
2
31.4
13
Business:5y;Travel:2y;Debt:2y
5
Educational
Shallow
IRR;TaxCost
Phone>App>In-Person>Email>Chat
true
20:00-06:00
54
85
51
43
CreditBureau;OpenBanking;Payroll
6
null
AlertAcknowledge
2025-05-19
Success
v2.10.8
NoMargin
Allow small experimental sleeve ≤ 3%
A0373
Optimizer
212,261
2,289,575
117,018
7.5
4
12
US
Medium
AccreditedOnly;NoDerivatives
NoWeapons;ESGOnly
LeveragedETFs;PennyStocks
1.6
27.6
12.1
Wealth:10y;Estate:20y;Healthcare:8y
10
Concise
Deep
TaxCost;IRR;Sharpe
Phone>In-Person>Email>App>Chat
true
22:30-06:15
70
66
73
68
Brokerage;CreditBureau;OpenBanking
6
Human
AlertAcknowledge
2025-02-18
Success
v1.10.4
LimitOrderOnly;NoMargin;NoPennyStocks
Enforce tax budget and position caps
A0374
Explorer
70,318
282,881
15,430
20.9
2
10
US
Medium
NoShortSelling;NoIlliquids
NoWeapons;NoTobacco
PennyStocks
2
21.3
12.6
Business:5y;Travel:2y;Education:6y
5
Collaborative
Deep
Sharpe;MaxDD;IRR
Email>Phone>In-Person>Chat>App
true
19:45-06:45
65
82
60
54
CreditBureau;OpenBanking
4
Human
AutoTransfer
2025-10-10
Success
v1.10.7
NoMargin
Allow small experimental sleeve ≤ 3%
A0375
Preserver
60,784
964,627
41,712
7.8
1
10
US
Low
null
NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
1.1
12.9
8.3
Retirement:15y;Emergency:1y
15
Concise
Medium
MaxDD;TaxCost;Sharpe
Phone>Chat>Email
false
20:15-06:45
78
200
72
73
Brokerage;OpenBanking
9
Hybrid
Rebalance
2025-10-23
Failed
v1.9.6
LimitOrderOnly;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0376
Preserver
130,132
882,773
29,480
6.4
2
12
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
0.9
8.2
7
Retirement:15y;Emergency:1y;Healthcare:8y
15
Collaborative
Shallow
MaxDD;Sharpe
In-Person>Phone>Email
true
23:45-07:15
76
130
78
73
Brokerage;OpenBanking
5
null
AutoTransfer
2025-09-27
Success
v2.9.4
NoAutoTradesBelow$1k;NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0377
Optimizer
94,886
1,066,121
45,691
7.2
3
10
US
Low
NoDerivatives;NoIlliquids
null
PennyStocks
1.7
18.7
11.5
Wealth:10y;Estate:20y
10
Collaborative
Deep
IRR;TaxCost
App>Phone>Email>In-Person
false
23:30-08:30
66
114
71
64
Brokerage;OpenBanking
6
null
AutoTransfer
2025-01-17
Success
v2.10.9
NoAutoTradesBelow$1k;NoIlliquids;StopLossDisabled
Enforce tax budget and position caps
A0378
Builder
77,809
421,294
19,274
11.6
3
10
US
Low
null
NoWeapons
Crypto;LeveragedETFs
1.6
23.1
11.6
Home:3y;Retirement:30y;Healthcare:8y
3
Directive
Medium
TaxCost;MaxDD
Phone>Email>App>Chat
false
19:30-07:45
69
75
70
64
CreditBureau;OpenBanking
20
Hybrid
AlertAcknowledge
2025-06-22
Success
v2.8.4
StopLossDisabled
Prioritize liquidity and down payment savings
A0379
Stabilizer
85,674
374,000
16,322
9
2
10
US
Low
AccreditedOnly;NoShortSelling
NoWeapons;NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
1.1
16.3
6.9
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Medium
Sharpe;TaxCost;MaxDD
App>Chat>In-Person>Email>Phone
true
19:15-07:45
67
90
59
54
CreditBureau;OpenBanking
8
Human
AlertAcknowledge
2025-02-05
Success
v1.9.9
NoMargin
Keep expenses buffer ≥ 4 months
A0380
Builder
39,998
134,694
5,797
10.3
3
10
US
Medium
null
null
LeveragedETFs
1.5
17.5
11.4
Home:3y;Retirement:30y;Debt:2y
3
Directive
Medium
TaxCost;Sharpe
Email>Chat>In-Person>Phone
true
20:00-07:15
64
90
58
49
CreditBureau;OpenBanking
20
null
PlanUpdate
2025-09-08
Success
v2.8.7
NoIlliquids;NoMargin;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0381
Preserver
135,392
1,267,218
142,878
6.4
2
12
US
Medium
AccreditedOnly;NoShortSelling
null
Crypto;LeveragedETFs;PennyStocks
1
10.6
6.3
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Medium
Sharpe;MaxDD
Chat>Phone>Email
false
21:45-07:15
71
154
61
51
Brokerage;CreditBureau;OpenBanking
6
null
PlanUpdate
2025-04-13
Failed
v2.10.3
NoAutoTradesBelow$1k;NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0382
Explorer
42,050
250,667
11,804
21.4
3
10
CA
Low
null
null
PennyStocks;PrivateCredit
1.9
23.3
14.9
Business:5y;Travel:2y;Debt:2y
5
Educational
Shallow
Sharpe;MaxDD;IRR
In-Person>App>Email>Phone>Chat
false
22:45-06:00
64
62
57
46
CreditBureau;OpenBanking
6
null
PlanUpdate
2025-08-01
Success
v2.10.2
NoIlliquids
Allow small experimental sleeve ≤ 3%
A0383
Preserver
58,552
318,360
42,963
5.2
4
10
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1.1
16.4
5
Retirement:15y;Emergency:1y;Healthcare:8y
15
Educational
Deep
MaxDD;Sharpe;TaxCost
Phone>Email>App
true
21:00-07:30
83
209
92
93
Brokerage;CreditBureau;OpenBanking
4
Human
AutoTransfer
2025-09-07
Success
v2.8.6
NoAutoTradesBelow$1k
Maintain ≥ 12m cash runway and low drawdown
A0384
Explorer
44,476
114,233
12,943
14.5
3
10
US
Medium
AccreditedOnly;NoIlliquids
ESGOnly
LeveragedETFs;PrivateCredit
2
21.5
13.1
Business:5y;Travel:2y;Healthcare:8y
5
Educational
Medium
Sharpe;TaxCost
App>In-Person>Chat>Phone>Email
false
20:15-06:00
51
90
58
54
OpenBanking;Payroll
1
null
AlertAcknowledge
2025-05-17
Failed
v2.10.3
NoIlliquids
Allow small experimental sleeve ≤ 3%
A0385
Optimizer
101,412
674,208
28,102
7.7
2
12
US
Medium
null
NoTobacco;NoWeapons
PennyStocks
1.8
22.3
10.2
Wealth:10y;Estate:20y;Education:6y
10
Collaborative
Medium
IRR;TaxCost
App>In-Person>Phone>Chat
true
19:30-08:15
64
88
72
66
Brokerage;CreditBureau;OpenBanking
7
Human
Rebalance
2025-05-27
Success
v1.9.6
NoMargin;PauseWhenVIX>30
Enforce tax budget and position caps
A0386
Builder
69,510
-14,199
1,306
9.3
4
10
UK
Low
null
ESGOnly;NoWeapons
Crypto;PennyStocks
1.8
16.6
9
Home:3y;Retirement:30y;Education:6y
3
Directive
Medium
MaxDD;Sharpe
In-Person>App>Email>Chat>Phone
true
23:00-08:00
60
142
59
59
CreditBureau;OpenBanking;Payroll
11
null
AlertAcknowledge
2025-04-26
Partial
v2.10.9
LimitOrderOnly;NoIlliquids;NoMargin
Prioritize liquidity and down payment savings
A0387
Preserver
72,472
682,372
84,069
8.3
1
10
US
Low
NoIlliquids
NoTobacco;ESGOnly
Crypto;LeveragedETFs;PennyStocks
1
16.2
7.3
Retirement:15y;Emergency:1y;Debt:2y
15
Directive
Shallow
TaxCost;Sharpe;MaxDD
App>Chat>Email>In-Person>Phone
true
21:00-07:15
68
222
55
54
Brokerage;CreditBureau;OpenBanking;Payroll
10
Hybrid
AlertAcknowledge
2024-12-28
Success
v2.10.8
LimitOrderOnly;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0388
Optimizer
174,976
1,595,777
88,595
6.4
3
15
CA
Low
AccreditedOnly
null
PennyStocks
1.6
22.7
13.2
Wealth:10y;Estate:20y;Healthcare:8y
10
Concise
Medium
MaxDD;TaxCost
App>Phone>Email
false
19:45-07:00
76
60
71
69
Brokerage;OpenBanking
2
Hybrid
Rebalance
2025-05-23
Success
v2.8.6
LimitOrderOnly;NoAutoTradesBelow$1k;NoMargin
Enforce tax budget and position caps
A0389
Stabilizer
81,276
240,131
29,209
10.1
1
10
US
Low
null
ESGOnly;NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
1
16.4
6
Retirement:15y;Emergency:1y
15
Educational
Deep
Sharpe;TaxCost
Email>Phone>Chat>App
false
19:15-08:45
68
92
75
71
OpenBanking
8
null
PlanUpdate
2025-02-26
Failed
v1.8.5
NoMargin;NoPennyStocks
Keep expenses buffer ≥ 4 months
A0390
Builder
48,404
110,319
5,784
9.3
2
10
US
Low
null
null
PennyStocks
1.8
21.2
10.8
Home:3y;Retirement:30y;Healthcare:8y
3
Concise
Shallow
Sharpe;MaxDD;TaxCost
In-Person>Email>Phone>App
true
19:15-08:00
73
129
73
73
OpenBanking
8
Human
PlanUpdate
2025-08-08
Success
v2.9.2
LimitOrderOnly;NoMargin
Prioritize liquidity and down payment savings
A0391
Optimizer
188,056
3,036,286
103,967
8.2
3
12
US
Low
NoIlliquids
NoWeapons;NoTobacco
PennyStocks
1.7
24.8
11.8
Wealth:10y;Estate:20y;Healthcare:8y
10
Collaborative
Deep
MaxDD;IRR;Sharpe
App>Chat>Email
true
22:00-07:45
62
76
51
49
Brokerage;OpenBanking
1
Hybrid
Rebalance
2025-01-03
Success
v1.9.2
NoAutoTradesBelow$1k;NoPennyStocks
Enforce tax budget and position caps
A0392
Stabilizer
119,091
1,003,292
39,696
5.6
3
12
US
Low
NoDerivatives;NoShortSelling
null
Crypto;LeveragedETFs;PennyStocks
0.9
16
8.9
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Deep
MaxDD;TaxCost;Sharpe
Chat>App>Phone
true
22:30-08:30
57
145
53
47
OpenBanking;Payroll
19
null
AlertAcknowledge
2025-05-02
Success
v1.8.6
LimitOrderOnly;NoMargin
Keep expenses buffer ≥ 4 months
A0393
Stabilizer
70,161
225,546
11,312
6.9
1
10
US
Low
NoIlliquids;NoShortSelling
null
Crypto;LeveragedETFs;PennyStocks
1
17.7
8.2
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Deep
Sharpe;MaxDD
Phone>Email>In-Person>App
true
21:30-07:15
62
92
71
60
CreditBureau;OpenBanking;Payroll
19
Hybrid
Rebalance
2025-04-26
Success
v1.8.4
NoMargin;NoPennyStocks
Keep expenses buffer ≥ 4 months
A0394
Optimizer
108,283
2,029,294
62,803
8.2
3
12
US
Low
null
NoTobacco;NoFossilFuel
PennyStocks
1.6
17.5
12.4
Wealth:10y;Estate:20y;Debt:2y
10
Collaborative
Shallow
MaxDD;Sharpe
In-Person>App>Chat>Email
true
20:30-08:45
64
77
69
66
Brokerage;OpenBanking
2
Hybrid
Rebalance
2025-11-22
Partial
v2.8.6
LimitOrderOnly;NoPennyStocks;PauseWhenVIX>30
Enforce tax budget and position caps
A0395
Preserver
48,556
440,146
31,538
6
3
10
US
Low
NoIlliquids;AccreditedOnly
NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
1.1
8.2
5
Retirement:15y;Emergency:1y
15
Directive
Shallow
TaxCost;MaxDD;Sharpe
Chat>App>Phone
false
21:45-08:15
75
182
81
76
Brokerage;OpenBanking;Payroll
14
Human
Rebalance
2025-09-15
Success
v2.10.7
NoIlliquids;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0396
Stabilizer
61,626
192,442
17,773
10.1
1
10
US
Low
NoIlliquids
null
Crypto;LeveragedETFs;PennyStocks
1.1
9.6
8.3
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Medium
TaxCost;MaxDD;Sharpe
In-Person>Chat>Phone>Email
true
19:45-06:45
54
128
60
53
CreditBureau;OpenBanking
19
Hybrid
AutoTransfer
2025-11-19
Success
v2.10.6
NoIlliquids;PauseWhenVIX>30
Keep expenses buffer ≥ 4 months
A0397
Optimizer
104,218
881,990
31,232
10.4
2
15
AU
Low
NoShortSelling
null
PennyStocks
1.7
21.8
11.2
Wealth:10y;Estate:20y;Debt:2y
10
Concise
Deep
Sharpe;TaxCost
App>Email>Chat
true
22:15-08:00
64
85
57
56
Brokerage;OpenBanking;Payroll
7
null
AutoTransfer
2025-09-21
Success
v1.9.9
NoIlliquids;StopLossDisabled
Enforce tax budget and position caps
A0398
Optimizer
136,310
1,545,306
53,780
11.6
1
12
US
Low
NoIlliquids;NoShortSelling
null
PennyStocks
1.7
18.2
14
Wealth:10y;Estate:20y;Healthcare:8y
10
Collaborative
Medium
Sharpe;IRR
In-Person>App>Email>Phone>Chat
true
19:15-07:45
64
96
61
49
Brokerage;OpenBanking
2
Hybrid
Rebalance
2025-02-01
Success
v2.8.6
NoAutoTradesBelow$1k;NoPennyStocks
Enforce tax budget and position caps
A0399
Preserver
92,284
833,786
45,752
5.1
3
10
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1.2
13.8
7.9
Retirement:15y;Emergency:1y;Healthcare:8y
15
Collaborative
Deep
Sharpe;MaxDD
In-Person>App>Chat
true
19:45-06:15
70
229
80
81
Brokerage;OpenBanking
9
Hybrid
Rebalance
2025-09-10
Success
v1.10.1
NoIlliquids
Maintain ≥ 12m cash runway and low drawdown
A0400
Stabilizer
81,023
190,669
13,754
7.1
2
10
US
Medium
null
NoFossilFuel;NoWeapons
Crypto;LeveragedETFs;PennyStocks
1
8.1
8.4
Retirement:15y;Emergency:1y;Debt:2y
15
Directive
Deep
Sharpe;MaxDD
Phone>Email>In-Person>Chat>App
true
19:00-08:30
56
112
64
58
OpenBanking
20
Hybrid
Rebalance
2024-12-31
Partial
v1.8.9
NoIlliquids;PauseWhenVIX>30
Keep expenses buffer ≥ 4 months