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
A0401
Preserver
182,341
2,464,815
107,371
5.3
4
12
US
Low
null
ESGOnly;NoTobacco
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1
13.4
5
Retirement:15y;Emergency:1y;Debt:2y
15
Concise
Shallow
Sharpe;TaxCost;MaxDD
Phone>App>In-Person>Email>Chat
false
23:30-08:30
68
233
57
58
Brokerage;CreditBureau;OpenBanking;Payroll
6
Hybrid
AlertAcknowledge
2025-06-08
Success
v2.9.8
NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0402
Stabilizer
58,538
290,243
22,369
8.6
2
10
US
Low
NoIlliquids;NoDerivatives
NoTobacco;NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
1.1
12
8.3
Retirement:15y;Emergency:1y;Healthcare:8y
15
Educational
Medium
Sharpe;TaxCost
In-Person>Phone>Chat>App>Email
true
19:15-06:45
67
125
74
75
OpenBanking
8
Human
Rebalance
2025-12-14
Success
v2.10.9
LimitOrderOnly;NoAutoTradesBelow$1k;NoMargin
Keep expenses buffer ≥ 4 months
A0403
Optimizer
94,326
1,668,775
38,631
6.6
4
10
US
Medium
null
NoWeapons
PennyStocks
1.9
18
11.4
Wealth:10y;Estate:20y;Education:6y
10
Collaborative
Deep
TaxCost;IRR;MaxDD
Phone>Email>App>In-Person>Chat
false
19:00-07:30
62
100
53
45
Brokerage;CreditBureau;OpenBanking;Payroll
1
Human
PlanUpdate
2024-12-26
Success
v1.10.3
LimitOrderOnly;NoPennyStocks
Enforce tax budget and position caps
A0404
Optimizer
62,656
593,215
35,276
10.2
1
10
US
Low
AccreditedOnly
null
Crypto;PennyStocks
1.7
17.4
13.6
Wealth:10y;Estate:20y;Healthcare:8y
10
Collaborative
Shallow
TaxCost;MaxDD
Email>Phone>In-Person
true
23:15-06:30
70
87
83
71
Brokerage;CreditBureau;OpenBanking
4
Hybrid
PlanUpdate
2025-03-27
Success
v2.10.1
LimitOrderOnly
Enforce tax budget and position caps
A0405
Preserver
98,374
637,597
95,440
3.2
4
10
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1
13.1
7.2
Retirement:15y;Emergency:1y;Debt:2y
15
Collaborative
Deep
MaxDD;Sharpe
Email>Phone>In-Person>Chat>App
true
19:30-06:45
72
193
60
48
Brokerage;OpenBanking;Payroll
8
Human
AutoTransfer
2025-07-26
Success
v2.10.7
NoAutoTradesBelow$1k;NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0406
Stabilizer
110,223
470,976
25,949
5.6
4
12
US
Low
NoIlliquids;NoDerivatives
ESGOnly
Crypto;LeveragedETFs;PennyStocks
1
17.6
5.4
Retirement:15y;Emergency:1y;Healthcare:8y
15
Concise
Medium
Sharpe;TaxCost
Phone>Chat>In-Person>Email
false
19:45-08:00
53
97
56
56
OpenBanking
16
null
Rebalance
2025-08-23
Partial
v1.8.7
NoAutoTradesBelow$1k;NoMargin;NoPennyStocks
Keep expenses buffer ≥ 4 months
A0407
Stabilizer
35,050
242,672
17,624
7.4
2
10
US
Medium
NoIlliquids
NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.2
10
6.8
Retirement:15y;Emergency:1y;Healthcare:8y
15
Concise
Medium
MaxDD;Sharpe;TaxCost
Email>Chat>Phone>In-Person>App
false
20:30-08:00
60
180
64
67
CreditBureau;OpenBanking
17
Hybrid
AlertAcknowledge
2025-11-21
Partial
v2.9.9
LimitOrderOnly;NoMargin;NoPennyStocks
Keep expenses buffer ≥ 4 months
A0408
Preserver
75,633
465,835
57,561
8.2
2
10
US
Medium
null
null
Crypto;LeveragedETFs;PennyStocks
0.9
8.4
5.6
Retirement:15y;Emergency:1y
15
Collaborative
Medium
MaxDD;Sharpe
Chat>Phone>In-Person>App
true
20:30-08:30
67
218
77
75
Brokerage;OpenBanking
3
null
Rebalance
2025-01-24
Partial
v1.9.4
NoMargin;NoPennyStocks;PauseWhenVIX>30;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0409
Builder
67,250
10,672
1,105
10.2
4
10
US
Low
NoShortSelling
null
Crypto;PrivateCredit
1.8
14.2
7.8
Home:3y;Retirement:30y;Debt:2y
3
Directive
Shallow
TaxCost;IRR;MaxDD
App>Chat>In-Person
true
22:45-08:00
70
85
68
65
OpenBanking
18
null
PlanUpdate
2025-04-20
Success
v1.9.8
NoPennyStocks;PauseWhenVIX>30;StopLossDisabled
Prioritize liquidity and down payment savings
A0410
Builder
97,007
-34,066
2,177
10.2
3
10
US
Low
AccreditedOnly
NoWeapons;NoTobacco
LeveragedETFs;PrivateCredit
1.4
17.4
8.8
Home:3y;Retirement:30y;Education:6y
3
Educational
Medium
TaxCost;IRR
Chat>Phone>In-Person>Email
true
21:00-06:30
62
149
70
67
OpenBanking
18
null
AutoTransfer
2025-12-01
Partial
v2.8.1
NoIlliquids;NoMargin
Prioritize liquidity and down payment savings
A0411
Preserver
115,052
586,281
70,200
6.7
1
12
US
Low
NoDerivatives
NoWeapons
Crypto;LeveragedETFs;PennyStocks
1
8.5
7.9
Retirement:15y;Emergency:1y;Education:6y
15
Concise
Deep
MaxDD;TaxCost
Email>In-Person>Phone>Chat
false
20:00-06:45
71
199
74
75
Brokerage;OpenBanking
5
Hybrid
AutoTransfer
2025-05-27
Partial
v1.10.7
NoIlliquids;NoMargin;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A0412
Preserver
112,441
908,632
77,432
4.5
4
15
AU
Low
null
null
Crypto;LeveragedETFs;PennyStocks
0.9
9.1
8.1
Retirement:15y;Emergency:1y;Healthcare:8y
15
Educational
Deep
MaxDD;Sharpe;TaxCost
App>Email>Phone
true
22:45-06:15
67
169
77
76
Brokerage;OpenBanking
12
null
Rebalance
2025-09-29
Success
v2.8.8
NoMargin;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A0413
Optimizer
107,779
822,167
59,142
11.6
1
12
US
Low
NoShortSelling;NoDerivatives
NoTobacco;NoWeapons
PennyStocks
1.5
21.5
9.1
Wealth:10y;Estate:20y
10
Concise
Medium
IRR;TaxCost;Sharpe
In-Person>Email>App
true
22:45-08:15
73
88
82
74
Brokerage;OpenBanking
1
Hybrid
AlertAcknowledge
2025-09-12
Success
v2.9.9
LimitOrderOnly;NoAutoTradesBelow$1k;NoIlliquids
Enforce tax budget and position caps
A0414
Preserver
119,700
1,002,230
41,975
7.6
1
12
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
0.9
12.4
8.1
Retirement:15y;Emergency:1y;Healthcare:8y
15
Collaborative
Medium
Sharpe;TaxCost;MaxDD
App>In-Person>Phone>Email>Chat
true
20:30-06:45
71
231
59
48
Brokerage;CreditBureau;OpenBanking;Payroll
9
Human
AutoTransfer
2025-02-09
Failed
v1.9.7
NoAutoTradesBelow$1k;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0415
Optimizer
200,215
2,023,037
133,659
8.8
4
12
US
Low
NoShortSelling
null
PennyStocks
1.6
23.1
10.8
Wealth:10y;Estate:20y;Education:6y
10
Directive
Deep
IRR;MaxDD;TaxCost
App>Email>In-Person>Chat>Phone
true
20:45-08:00
60
99
64
53
Brokerage;CreditBureau;OpenBanking
6
null
AutoTransfer
2025-10-14
Partial
v1.10.5
NoIlliquids;NoPennyStocks
Enforce tax budget and position caps
A0416
Preserver
49,831
721,336
48,894
5.7
1
10
US
Low
NoShortSelling
null
Crypto;LeveragedETFs;PennyStocks
1.1
14.5
6.8
Retirement:15y;Emergency:1y;Debt:2y
15
Directive
Shallow
MaxDD;TaxCost
App>In-Person>Phone
false
20:45-07:30
77
228
80
74
Brokerage;OpenBanking;Payroll
7
null
AutoTransfer
2025-05-22
Partial
v2.8.5
NoMargin;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A0417
Preserver
132,113
1,361,952
86,459
8.1
1
12
US
Low
null
NoWeapons;NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
1.1
15.5
5
Retirement:15y;Emergency:1y
15
Educational
Medium
TaxCost;MaxDD;Sharpe
App>Email>Chat>In-Person>Phone
false
22:00-08:30
70
177
73
76
Brokerage;OpenBanking
14
Hybrid
Rebalance
2025-06-30
Success
v1.8.1
NoAutoTradesBelow$1k;NoIlliquids;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A0418
Preserver
94,892
755,333
69,986
4.9
4
10
US
Medium
NoShortSelling
NoFossilFuel;ESGOnly
Crypto;LeveragedETFs;PennyStocks
1.1
8
6.9
Retirement:15y;Emergency:1y;Education:6y
15
Collaborative
Medium
Sharpe;MaxDD
Email>In-Person>Phone
true
19:30-07:45
65
228
75
70
Brokerage;CreditBureau;OpenBanking
10
Human
PlanUpdate
2025-06-07
Success
v1.10.7
NoAutoTradesBelow$1k;NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0419
Preserver
79,857
627,439
43,170
5
3
10
SG
Low
null
NoFossilFuel;ESGOnly
Crypto;LeveragedETFs;PennyStocks
1.2
8.9
8.8
Retirement:15y;Emergency:1y
15
Directive
Medium
TaxCost;Sharpe;MaxDD
Email>Chat>Phone>App
true
23:45-07:30
79
186
67
69
Brokerage;CreditBureau;OpenBanking
12
Human
PlanUpdate
2025-12-23
Success
v1.8.4
NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0420
Builder
22,040
44,613
2,565
14.1
1
10
US
Low
NoDerivatives
null
null
1.7
22.5
9.7
Home:3y;Retirement:30y;Debt:2y
3
Educational
Medium
TaxCost;MaxDD;Sharpe
Email>Phone>In-Person>Chat
true
21:15-06:30
67
123
70
70
OpenBanking
18
Hybrid
Rebalance
2025-02-12
Success
v1.9.1
LimitOrderOnly;NoIlliquids;StopLossDisabled
Prioritize liquidity and down payment savings
A0421
Builder
35,555
15,433
1,751
14.9
1
10
US
Low
null
null
Crypto;PrivateCredit
1.8
18.8
10.2
Home:3y;Retirement:30y;Debt:2y
3
Educational
Deep
TaxCost;IRR
Email>In-Person>Phone
true
19:15-08:00
62
88
61
53
OpenBanking
17
null
AlertAcknowledge
2025-02-10
Success
v1.8.1
NoAutoTradesBelow$1k
Prioritize liquidity and down payment savings
A0422
Optimizer
281,821
1,317,388
41,469
8
2
15
DE
Low
NoDerivatives;NoShortSelling
null
PennyStocks
1.5
24.2
10.6
Wealth:10y;Estate:20y;Education:6y
10
Educational
Shallow
TaxCost;IRR
Email>App>Chat
true
23:45-06:30
64
64
77
77
Brokerage;CreditBureau;OpenBanking
6
Human
Rebalance
2025-12-14
Success
v2.9.6
LimitOrderOnly;NoAutoTradesBelow$1k;NoMargin
Enforce tax budget and position caps
A0423
Builder
48,540
170,929
12,835
11.2
2
10
US
High
NoShortSelling;AccreditedOnly
null
Crypto
1.5
13.1
11.4
Home:3y;Retirement:30y
3
Concise
Shallow
MaxDD;Sharpe;TaxCost
Phone>In-Person>App>Email
true
20:15-06:30
64
117
74
71
CreditBureau;OpenBanking
11
null
AutoTransfer
2025-06-27
Success
v1.10.6
NoAutoTradesBelow$1k;NoMargin
Prioritize liquidity and down payment savings
A0424
Preserver
63,965
594,975
54,688
5.1
4
10
US
Low
AccreditedOnly;NoIlliquids
ESGOnly;NoTobacco
Crypto;LeveragedETFs;PennyStocks
1.2
14.2
6.1
Retirement:15y;Emergency:1y;Debt:2y
15
Concise
Medium
MaxDD;TaxCost
Email>In-Person>Chat>App>Phone
false
19:15-08:45
69
227
79
82
Brokerage;OpenBanking;Payroll
4
Hybrid
AlertAcknowledge
2025-01-22
Success
v1.8.9
LimitOrderOnly;NoMargin;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0425
Stabilizer
60,373
224,394
25,975
6.5
3
10
DE
Low
null
ESGOnly
Crypto;LeveragedETFs;PennyStocks
1.1
11.5
8
Retirement:15y;Emergency:1y;Debt:2y
15
Directive
Shallow
TaxCost;Sharpe;MaxDD
App>In-Person>Phone
false
21:15-07:30
60
126
62
56
CreditBureau;OpenBanking;Payroll
6
null
PlanUpdate
2025-02-11
Failed
v1.8.8
LimitOrderOnly;NoAutoTradesBelow$1k;NoMargin;StopLossDisabled
Keep expenses buffer ≥ 4 months
A0426
Optimizer
83,068
573,593
24,900
8.8
1
10
US
Low
NoShortSelling;NoDerivatives
null
LeveragedETFs;PennyStocks
1.8
19.4
12.6
Wealth:10y;Estate:20y;Healthcare:8y
10
Concise
Deep
MaxDD;IRR
In-Person>Chat>Email>Phone>App
true
20:00-07:00
62
61
54
52
Brokerage;OpenBanking
2
null
PlanUpdate
2025-09-24
Success
v1.8.6
NoIlliquids;NoMargin;NoPennyStocks
Enforce tax budget and position caps
A0427
Optimizer
128,306
817,162
82,867
8.8
3
15
AU
Low
AccreditedOnly;NoIlliquids
NoFossilFuel
LeveragedETFs;PennyStocks
1.8
19.3
12.1
Wealth:10y;Estate:20y;Education:6y
10
Collaborative
Medium
Sharpe;TaxCost
In-Person>Email>Phone>App>Chat
false
21:00-08:15
69
90
67
59
Brokerage;OpenBanking;Payroll
6
Hybrid
AutoTransfer
2025-02-03
Success
v1.9.7
NoIlliquids;NoMargin;PauseWhenVIX>30
Enforce tax budget and position caps
A0428
Preserver
181,097
2,894,276
113,450
4.1
4
15
CA
Medium
NoDerivatives
NoWeapons;NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
1
15.7
6.8
Retirement:15y;Emergency:1y;Healthcare:8y
15
Educational
Medium
MaxDD;Sharpe;TaxCost
Chat>Phone>Email>App>In-Person
false
20:30-06:45
74
189
65
63
Brokerage;OpenBanking;Payroll
11
Hybrid
Rebalance
2025-01-21
Success
v2.8.3
PauseWhenVIX>30;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0429
Builder
50,818
190,007
6,114
12.4
2
10
US
Medium
NoDerivatives
null
null
1.5
20.3
11.8
Home:3y;Retirement:30y;Healthcare:8y
3
Collaborative
Deep
TaxCost;MaxDD
Email>Chat>In-Person>Phone
true
22:45-06:00
59
97
69
69
OpenBanking
15
Human
AutoTransfer
2025-11-13
Success
v1.9.4
NoMargin
Prioritize liquidity and down payment savings
A0430
Preserver
105,000
1,347,283
105,542
5
2
15
AU
Medium
NoShortSelling;NoDerivatives
null
Crypto;LeveragedETFs;PennyStocks
1.2
11.3
8.8
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Deep
Sharpe;TaxCost;MaxDD
Phone>App>In-Person>Chat
true
19:45-06:30
68
228
54
49
Brokerage;CreditBureau;OpenBanking
3
Hybrid
AlertAcknowledge
2025-05-28
Failed
v2.8.7
LimitOrderOnly;NoMargin;PauseWhenVIX>30;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0431
Builder
39,487
162,734
4,256
11.8
1
10
US
Low
null
NoWeapons;NoFossilFuel
null
1.7
18.1
10.8
Home:3y;Retirement:30y;Education:6y
3
Educational
Medium
Sharpe;TaxCost
Chat>Phone>Email>App>In-Person
false
19:30-08:45
66
108
52
42
CreditBureau;OpenBanking
18
Hybrid
PlanUpdate
2025-04-14
Failed
v1.9.8
StopLossDisabled
Prioritize liquidity and down payment savings
A0432
Explorer
131,147
710,902
27,206
14.8
3
12
US
Low
null
NoTobacco;NoWeapons
null
2
21.7
13.1
Business:5y;Travel:2y
5
Concise
Medium
IRR;MaxDD
Chat>In-Person>Email>App>Phone
true
22:45-08:15
57
56
60
51
CreditBureau;OpenBanking;Payroll
6
Human
AlertAcknowledge
2025-12-17
Success
v1.9.5
NoMargin;NoPennyStocks;PauseWhenVIX>30
Allow small experimental sleeve ≤ 3%
A0433
Stabilizer
79,173
317,682
29,862
6.8
4
10
US
High
AccreditedOnly;NoDerivatives
NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
1.2
12.1
5.4
Retirement:15y;Emergency:1y
15
Concise
Shallow
MaxDD;Sharpe;TaxCost
Chat>App>Phone>In-Person
true
21:45-06:00
55
144
42
41
OpenBanking;Payroll
9
Human
PlanUpdate
2025-10-13
Success
v2.9.3
LimitOrderOnly;NoAutoTradesBelow$1k;NoMargin;NoPennyStocks
Keep expenses buffer ≥ 4 months
A0434
Builder
40,667
76,656
8,458
9.9
3
10
US
Low
null
NoWeapons;NoFossilFuel
null
1.8
24.4
11.9
Home:3y;Retirement:30y;Debt:2y
3
Directive
Medium
TaxCost;Sharpe
Email>Chat>In-Person>Phone
true
23:45-07:15
67
70
60
60
OpenBanking
20
null
AlertAcknowledge
2025-09-27
Success
v2.10.6
NoIlliquids;StopLossDisabled
Prioritize liquidity and down payment savings
A0435
Preserver
141,736
623,912
70,650
7.8
2
12
US
Medium
AccreditedOnly;NoIlliquids
null
Crypto;LeveragedETFs;PennyStocks
0.9
17.9
8.8
Retirement:15y;Emergency:1y
15
Educational
Medium
MaxDD;TaxCost;Sharpe
Chat>Email>In-Person
true
22:00-06:45
69
202
62
63
Brokerage;OpenBanking;Payroll
11
Hybrid
Rebalance
2025-08-14
Success
v1.8.3
NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0436
Preserver
159,531
2,374,549
98,266
7.1
3
12
US
Low
NoShortSelling;AccreditedOnly
null
Crypto;LeveragedETFs;PennyStocks
1.1
16.6
6.9
Retirement:15y;Emergency:1y;Education:6y
15
Concise
Medium
Sharpe;MaxDD
Phone>Chat>Email>App
true
19:00-06:30
74
234
60
57
Brokerage;CreditBureau;OpenBanking
5
Hybrid
AlertAcknowledge
2025-11-09
Success
v1.10.7
NoAutoTradesBelow$1k;NoIlliquids;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0437
Explorer
71,157
258,074
20,151
20.8
1
10
US
Low
null
NoFossilFuel
PennyStocks
2.1
33.2
12.5
Business:5y;Travel:2y;Healthcare:8y
5
Educational
Medium
TaxCost;IRR
Phone>In-Person>App
false
21:00-06:30
69
66
70
63
OpenBanking
2
null
AutoTransfer
2025-08-17
Success
v1.10.9
LimitOrderOnly;NoAutoTradesBelow$1k;NoPennyStocks
Allow small experimental sleeve ≤ 3%
A0438
Explorer
31,642
174,223
9,800
16.5
1
10
US
Low
NoShortSelling;NoDerivatives
NoTobacco;ESGOnly
Crypto;PennyStocks
1.7
20.2
12.9
Business:5y;Travel:2y;Healthcare:8y
5
Educational
Deep
MaxDD;Sharpe;IRR
Phone>App>Email>Chat
true
22:30-06:30
65
47
72
70
CreditBureau;OpenBanking
5
Human
AlertAcknowledge
2025-04-29
Success
v2.9.4
NoMargin
Allow small experimental sleeve ≤ 3%
A0439
Explorer
147,757
301,028
14,586
16
4
12
US
Low
NoIlliquids
ESGOnly;NoFossilFuel
PennyStocks
1.9
24.7
13.8
Business:5y;Travel:2y;Healthcare:8y
5
Collaborative
Deep
IRR;TaxCost
Email>Phone>Chat>In-Person
true
20:45-08:00
69
57
81
76
CreditBureau;OpenBanking
4
null
PlanUpdate
2025-07-10
Success
v2.8.2
LimitOrderOnly;NoPennyStocks
Allow small experimental sleeve ≤ 3%
A0440
Preserver
111,753
890,530
34,931
6.3
1
12
US
Low
NoIlliquids
null
Crypto;LeveragedETFs;PennyStocks
1.1
9.3
5.8
Retirement:15y;Emergency:1y
15
Concise
Deep
TaxCost;Sharpe
Chat>Email>Phone
true
23:45-08:00
70
135
65
56
Brokerage;CreditBureau;OpenBanking;Payroll
13
Hybrid
Rebalance
2025-11-20
Success
v2.10.5
LimitOrderOnly;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0441
Preserver
157,657
1,124,310
69,939
4.2
4
12
US
Low
NoDerivatives
NoFossilFuel;ESGOnly
Crypto;LeveragedETFs;PennyStocks
1.1
8.3
6.8
Retirement:15y;Emergency:1y
15
Concise
Medium
MaxDD;Sharpe;TaxCost
In-Person>Chat>App>Phone>Email
false
20:15-08:00
81
138
87
92
Brokerage;CreditBureau;OpenBanking;Payroll
11
Human
Rebalance
2025-07-26
Success
v1.10.8
LimitOrderOnly;NoAutoTradesBelow$1k;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0442
Stabilizer
58,024
148,881
13,281
9.3
1
10
UK
Medium
null
ESGOnly;NoTobacco
Crypto;LeveragedETFs;PennyStocks
1.1
11.6
8.6
Retirement:15y;Emergency:1y
15
Educational
Shallow
TaxCost;Sharpe;MaxDD
In-Person>Phone>Email
true
19:00-08:00
44
109
37
35
CreditBureau;OpenBanking
20
Hybrid
PlanUpdate
2025-11-11
Failed
v2.10.3
NoIlliquids;NoMargin
Keep expenses buffer ≥ 4 months
A0443
Preserver
84,166
564,660
55,742
5.5
3
10
US
Low
NoIlliquids
null
Crypto;LeveragedETFs;PennyStocks
1
15.8
7.8
Retirement:15y;Emergency:1y;Education:6y
15
Directive
Deep
Sharpe;TaxCost
Phone>Chat>Email
true
22:00-06:45
78
157
64
62
Brokerage;OpenBanking
14
null
AlertAcknowledge
2025-01-21
Success
v1.10.7
NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0444
Builder
69,543
229,024
7,536
11.7
3
10
UK
Low
null
NoTobacco
Crypto
1.6
16.8
10.8
Home:3y;Retirement:30y;Education:6y
3
Collaborative
Medium
Sharpe;MaxDD;TaxCost
Phone>App>In-Person>Email>Chat
true
22:45-07:15
59
96
47
45
CreditBureau;OpenBanking
15
null
AlertAcknowledge
2025-08-11
Success
v1.9.8
PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0445
Builder
109,210
142,314
15,839
12.4
2
12
US
Low
AccreditedOnly
ESGOnly;NoWeapons
null
1.4
14.4
7.9
Home:3y;Retirement:30y;Healthcare:8y
3
Concise
Shallow
MaxDD;TaxCost;IRR
App>In-Person>Phone
true
21:00-07:30
59
99
60
56
OpenBanking
16
null
AutoTransfer
2025-10-08
Success
v1.9.9
NoPennyStocks
Prioritize liquidity and down payment savings
A0446
Optimizer
129,507
2,135,325
61,816
9.1
3
15
SG
Low
null
null
PennyStocks;PrivateCredit
1.7
24.9
11.5
Wealth:10y;Estate:20y
10
Directive
Shallow
MaxDD;TaxCost
In-Person>Chat>Phone>App
true
20:45-07:00
71
103
61
49
Brokerage;CreditBureau;OpenBanking
3
Hybrid
AlertAcknowledge
2025-09-02
Success
v2.10.5
LimitOrderOnly
Enforce tax budget and position caps
A0447
Optimizer
64,317
591,718
33,818
8.4
1
10
US
High
null
ESGOnly;NoFossilFuel
PennyStocks;PrivateCredit
1.8
24.8
9.8
Wealth:10y;Estate:20y
10
Educational
Medium
IRR;Sharpe
Phone>In-Person>Chat
false
21:00-06:30
67
107
67
59
Brokerage;CreditBureau;OpenBanking;Payroll
1
Human
AutoTransfer
2025-05-26
Partial
v1.8.2
LimitOrderOnly;NoAutoTradesBelow$1k;NoPennyStocks
Enforce tax budget and position caps
A0448
Builder
74,450
211,011
12,857
13.1
2
10
AU
Low
NoDerivatives;NoShortSelling
null
null
1.7
20.4
7.1
Home:3y;Retirement:30y
3
Educational
Medium
IRR;MaxDD;TaxCost
App>Phone>In-Person>Chat>Email
true
20:00-08:00
59
133
66
59
CreditBureau;OpenBanking;Payroll
11
Human
Rebalance
2025-12-24
Success
v2.8.1
StopLossDisabled
Prioritize liquidity and down payment savings
A0449
Optimizer
272,329
5,443,975
221,897
10.5
1
12
US
Low
null
NoWeapons;NoFossilFuel
PennyStocks
1.8
19.2
13.4
Wealth:10y;Estate:20y;Healthcare:8y
10
Educational
Medium
Sharpe;IRR;MaxDD
Email>Chat>Phone
true
19:30-08:00
75
72
76
71
Brokerage;OpenBanking;Payroll
1
Human
AlertAcknowledge
2025-12-15
Failed
v1.9.6
NoAutoTradesBelow$1k;PauseWhenVIX>30;StopLossDisabled
Enforce tax budget and position caps
A0450
Builder
68,159
268,511
9,821
10.4
2
10
US
Low
NoIlliquids;NoShortSelling
null
PennyStocks
1.7
13.9
10.4
Home:3y;Retirement:30y
3
Directive
Deep
TaxCost;Sharpe
Email>Phone>Chat>In-Person>App
true
19:45-06:00
72
110
73
73
CreditBureau;OpenBanking
7
Human
AlertAcknowledge
2025-03-24
Success
v1.8.2
NoAutoTradesBelow$1k;NoPennyStocks
Prioritize liquidity and down payment savings
A0451
Optimizer
128,629
1,833,265
61,115
6.8
4
12
US
Low
AccreditedOnly
NoWeapons;ESGOnly
PennyStocks
1.5
17.3
12.1
Wealth:10y;Estate:20y;Education:6y
10
Directive
Shallow
IRR;Sharpe;MaxDD
Phone>Chat>Email
true
20:30-06:45
75
65
65
55
Brokerage;OpenBanking;Payroll
2
Human
PlanUpdate
2025-01-17
Success
v2.9.7
PauseWhenVIX>30
Enforce tax budget and position caps
A0452
Optimizer
64,133
1,051,153
31,062
8.1
1
10
US
Low
NoIlliquids;NoShortSelling
null
PennyStocks
1.7
15.9
9.8
Wealth:10y;Estate:20y;Healthcare:8y
10
Educational
Medium
MaxDD;Sharpe
Email>App>In-Person>Phone
false
19:45-06:45
63
85
62
60
Brokerage;CreditBureau;OpenBanking
1
Human
AlertAcknowledge
2025-01-23
Success
v1.10.2
NoAutoTradesBelow$1k
Enforce tax budget and position caps
A0453
Explorer
35,194
140,350
4,989
13.5
3
10
US
Low
AccreditedOnly;NoShortSelling
null
Crypto;PennyStocks
2
23.7
13.4
Business:5y;Travel:2y;Education:6y
5
Educational
Deep
IRR;Sharpe;TaxCost
Email>App>Chat>Phone
false
19:15-07:00
54
69
50
44
CreditBureau;OpenBanking
5
null
AlertAcknowledge
2025-03-26
Failed
v1.9.1
PauseWhenVIX>30
Allow small experimental sleeve ≤ 3%
A0454
Optimizer
87,654
849,521
61,267
10.7
2
10
US
Low
null
NoFossilFuel;NoTobacco
PennyStocks
1.7
20.3
11
Wealth:10y;Estate:20y
10
Concise
Deep
Sharpe;TaxCost;MaxDD
Email>Phone>Chat>App>In-Person
true
23:15-08:15
62
93
65
61
Brokerage;OpenBanking
7
Hybrid
Rebalance
2025-02-12
Partial
v2.9.9
LimitOrderOnly;NoIlliquids
Enforce tax budget and position caps
A0455
Stabilizer
63,758
195,646
7,497
4.9
4
10
US
Medium
null
null
Crypto;LeveragedETFs;PennyStocks
1
10.2
7.5
Retirement:15y;Emergency:1y;Education:6y
15
Directive
Medium
TaxCost;Sharpe;MaxDD
App>Phone>Email
true
21:15-07:00
58
94
52
46
CreditBureau;OpenBanking
13
null
PlanUpdate
2025-03-15
Failed
v1.9.5
LimitOrderOnly;NoIlliquids;NoMargin
Keep expenses buffer ≥ 4 months
A0456
Preserver
102,911
450,692
16,480
6.4
2
15
AU
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1
10.3
6.2
Retirement:15y;Emergency:1y
15
Concise
Medium
MaxDD;TaxCost
Phone>In-Person>Email>App>Chat
false
22:00-08:45
76
164
76
71
Brokerage;CreditBureau;OpenBanking;Payroll
10
Hybrid
Rebalance
2025-08-29
Success
v1.10.5
LimitOrderOnly
Maintain ≥ 12m cash runway and low drawdown
A0457
Stabilizer
78,409
150,429
8,110
4.9
4
10
UK
Low
NoShortSelling;NoDerivatives
null
Crypto;LeveragedETFs;PennyStocks
1
14.9
6.1
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Deep
TaxCost;Sharpe
App>Phone>In-Person>Email>Chat
true
22:15-06:45
68
136
72
68
CreditBureau;OpenBanking
8
Hybrid
AutoTransfer
2025-10-20
Success
v1.10.9
NoIlliquids;NoMargin;PauseWhenVIX>30
Keep expenses buffer ≥ 4 months
A0458
Preserver
187,355
1,511,331
105,831
7.9
1
15
IN
Low
NoDerivatives
null
Crypto;LeveragedETFs;PennyStocks
1
11.5
7.5
Retirement:15y;Emergency:1y
15
Concise
Medium
TaxCost;MaxDD;Sharpe
Email>In-Person>Chat
false
19:45-07:30
76
238
66
64
Brokerage;CreditBureau;OpenBanking
8
Hybrid
PlanUpdate
2025-02-19
Success
v2.10.3
LimitOrderOnly;NoIlliquids;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0459
Builder
67,941
225,614
7,496
10.4
2
10
CA
Medium
NoIlliquids
NoWeapons
null
1.7
18.8
9.8
Home:3y;Retirement:30y;Education:6y
3
Collaborative
Shallow
Sharpe;TaxCost;IRR
In-Person>Phone>Email>Chat
true
21:00-08:00
69
95
78
74
OpenBanking
20
null
PlanUpdate
2025-03-10
Partial
v2.10.3
LimitOrderOnly
Prioritize liquidity and down payment savings
A0460
Preserver
151,110
2,550,136
150,346
5
4
12
US
Low
NoShortSelling
NoFossilFuel;NoTobacco
Crypto;LeveragedETFs;PennyStocks
1
10.8
5.8
Retirement:15y;Emergency:1y;Debt:2y
15
Concise
Shallow
Sharpe;MaxDD
App>Chat>Email>In-Person
true
20:00-07:15
69
210
58
58
Brokerage;OpenBanking;Payroll
4
Hybrid
AlertAcknowledge
2025-08-15
Success
v1.10.3
StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0461
Explorer
65,010
333,707
14,257
13.7
4
10
DE
Low
null
NoFossilFuel;ESGOnly
PennyStocks
2
23.8
14
Business:5y;Travel:2y;Debt:2y
5
Collaborative
Deep
TaxCost;IRR;Sharpe
In-Person>Email>Phone
false
21:30-07:45
65
70
71
65
CreditBureau;OpenBanking
2
Hybrid
PlanUpdate
2025-07-31
Success
v1.8.2
NoAutoTradesBelow$1k;NoPennyStocks;StopLossDisabled
Allow small experimental sleeve ≤ 3%
A0462
Optimizer
248,811
2,398,378
104,986
6.1
4
12
US
High
AccreditedOnly;NoIlliquids
null
PennyStocks;PrivateCredit
1.5
24.4
12.5
Wealth:10y;Estate:20y;Debt:2y
10
Collaborative
Medium
IRR;Sharpe;MaxDD
App>In-Person>Phone>Email>Chat
true
19:45-06:00
63
78
51
41
Brokerage;OpenBanking
5
Human
Rebalance
2025-12-10
Partial
v1.8.2
NoPennyStocks
Enforce tax budget and position caps
A0463
Preserver
46,715
225,423
15,133
4.7
3
10
US
Medium
null
null
Crypto;LeveragedETFs;PennyStocks
1.1
10.8
5.4
Retirement:15y;Emergency:1y
15
Directive
Shallow
MaxDD;TaxCost;Sharpe
In-Person>Phone>App>Chat>Email
false
22:30-08:15
78
202
73
68
Brokerage;OpenBanking;Payroll
7
Human
Rebalance
2025-10-09
Failed
v1.9.9
NoAutoTradesBelow$1k;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0464
Explorer
50,542
147,509
12,384
15.3
3
10
US
Low
NoIlliquids;NoShortSelling
null
null
1.7
33.4
15.4
Business:5y;Travel:2y
5
Educational
Deep
IRR;MaxDD;TaxCost
Phone>Email>Chat>In-Person
true
19:30-08:45
66
45
61
52
CreditBureau;OpenBanking
2
Hybrid
AlertAcknowledge
2024-12-30
Success
v1.9.2
NoPennyStocks;PauseWhenVIX>30;StopLossDisabled
Allow small experimental sleeve ≤ 3%
A0465
Preserver
146,270
2,242,228
148,768
7.5
1
15
IN
Low
NoShortSelling;NoDerivatives
NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
1.1
8.8
8.5
Retirement:15y;Emergency:1y
15
Directive
Medium
MaxDD;TaxCost
Email>App>Chat>In-Person>Phone
true
19:45-08:15
73
158
63
58
Brokerage;OpenBanking
12
Human
AutoTransfer
2025-08-26
Success
v2.9.4
NoIlliquids
Maintain ≥ 12m cash runway and low drawdown
A0466
Explorer
61,253
208,079
14,012
18.5
2
10
US
Medium
NoShortSelling
null
Crypto;LeveragedETFs;PennyStocks
2
32
15.5
Business:5y;Travel:2y
5
Collaborative
Medium
Sharpe;TaxCost
In-Person>App>Chat>Email>Phone
false
19:00-07:00
57
77
44
34
CreditBureau;OpenBanking;Payroll
6
null
PlanUpdate
2025-11-06
Success
v2.9.3
NoIlliquids
Allow small experimental sleeve ≤ 3%
A0467
Builder
100,628
247,822
10,224
8.1
4
15
UK
Medium
null
null
LeveragedETFs;PennyStocks
1.4
13.5
9.9
Home:3y;Retirement:30y;Education:6y
3
Directive
Deep
TaxCost;MaxDD
Email>App>Phone>In-Person>Chat
true
23:30-08:15
64
118
62
55
CreditBureau;OpenBanking
7
null
AlertAcknowledge
2025-03-09
Success
v2.8.6
NoIlliquids;NoPennyStocks
Prioritize liquidity and down payment savings
A0468
Explorer
78,690
399,775
20,462
22.5
1
10
US
Low
NoIlliquids;NoDerivatives
NoTobacco;NoWeapons
PennyStocks;PrivateCredit
1.8
29.6
12.5
Business:5y;Travel:2y;Healthcare:8y
5
Directive
Shallow
TaxCost;Sharpe;IRR
App>Email>Phone>In-Person
true
21:30-06:30
54
85
49
48
CreditBureau;OpenBanking
2
Human
Rebalance
2025-01-13
Partial
v2.10.5
LimitOrderOnly
Allow small experimental sleeve ≤ 3%
A0469
Builder
101,280
238,303
9,959
9.6
2
12
US
Low
AccreditedOnly
NoWeapons
Crypto;PennyStocks
1.5
21.7
11
Home:3y;Retirement:30y
3
Concise
Medium
TaxCost;Sharpe
In-Person>Phone>Email>App
true
20:30-08:15
64
95
74
63
OpenBanking;Payroll
15
Hybrid
AlertAcknowledge
2025-09-13
Success
v1.8.1
LimitOrderOnly;NoPennyStocks
Prioritize liquidity and down payment savings
A0470
Optimizer
163,821
1,875,040
109,053
7.9
3
12
US
Low
null
ESGOnly;NoWeapons
PennyStocks
1.5
21.1
9.2
Wealth:10y;Estate:20y;Healthcare:8y
10
Directive
Shallow
Sharpe;TaxCost;MaxDD
In-Person>App>Email
true
20:45-08:30
60
101
60
58
Brokerage;OpenBanking;Payroll
7
null
Rebalance
2025-12-08
Failed
v2.9.5
NoAutoTradesBelow$1k
Enforce tax budget and position caps
A0471
Stabilizer
97,045
260,126
15,977
8.9
1
10
US
Medium
AccreditedOnly
NoFossilFuel;NoTobacco
Crypto;LeveragedETFs;PennyStocks
0.9
14.2
8.3
Retirement:15y;Emergency:1y;Healthcare:8y
15
Collaborative
Deep
TaxCost;Sharpe;MaxDD
Phone>Email>Chat>In-Person>App
false
22:15-08:15
61
131
61
56
CreditBureau;OpenBanking
7
Human
Rebalance
2025-03-03
Success
v2.9.6
LimitOrderOnly;NoAutoTradesBelow$1k;NoMargin
Keep expenses buffer ≥ 4 months
A0472
Stabilizer
136,876
885,358
64,492
6.2
4
15
CA
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1.1
17.8
8.9
Retirement:15y;Emergency:1y;Healthcare:8y
15
Concise
Medium
TaxCost;MaxDD
Phone>Chat>App>In-Person
false
23:30-06:45
55
97
44
41
OpenBanking
19
Human
AlertAcknowledge
2025-12-05
Success
v1.9.6
NoMargin
Keep expenses buffer ≥ 4 months
A0473
Builder
103,147
133,864
10,258
10.5
3
15
AU
Medium
null
NoFossilFuel;NoWeapons
null
1.4
19.1
10.4
Home:3y;Retirement:30y;Education:6y
3
Collaborative
Deep
MaxDD;TaxCost
App>In-Person>Phone>Chat
true
19:15-08:45
60
83
59
58
OpenBanking
15
null
PlanUpdate
2025-03-07
Success
v2.8.1
LimitOrderOnly;NoMargin
Prioritize liquidity and down payment savings
A0474
Builder
103,488
174,812
23,124
7.7
4
12
US
Low
null
null
Crypto
1.6
22.1
8
Home:3y;Retirement:30y;Healthcare:8y
3
Educational
Shallow
MaxDD;Sharpe;IRR
Phone>In-Person>Chat>App
false
19:00-06:30
66
121
71
63
OpenBanking;Payroll
11
null
AlertAcknowledge
2025-05-15
Success
v1.8.8
StopLossDisabled
Prioritize liquidity and down payment savings
A0475
Preserver
99,525
728,647
55,680
5.8
1
10
SG
Low
null
NoFossilFuel;NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.1
9
7.9
Retirement:15y;Emergency:1y;Healthcare:8y
15
Concise
Shallow
TaxCost;MaxDD
App>Chat>Email>In-Person>Phone
true
23:45-06:45
74
159
79
73
Brokerage;CreditBureau;OpenBanking
4
Hybrid
Rebalance
2025-02-26
Success
v1.8.2
NoIlliquids;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0476
Optimizer
90,135
766,489
62,783
11.2
1
10
US
Low
null
ESGOnly
PennyStocks
1.7
19.3
13.1
Wealth:10y;Estate:20y;Healthcare:8y
10
Concise
Medium
Sharpe;MaxDD
Email>App>Phone>Chat>In-Person
true
21:45-08:15
63
101
76
66
Brokerage;OpenBanking
5
Human
Rebalance
2025-04-30
Partial
v1.10.3
NoIlliquids;NoMargin;StopLossDisabled
Enforce tax budget and position caps
A0477
Optimizer
86,700
834,188
56,613
4.9
4
10
US
Low
AccreditedOnly;NoIlliquids
NoTobacco;ESGOnly
Crypto;LeveragedETFs;PennyStocks
1.9
21.1
13.4
Wealth:10y;Estate:20y
10
Collaborative
Shallow
MaxDD;TaxCost;Sharpe
App>In-Person>Phone>Email>Chat
true
19:45-06:00
74
86
87
81
Brokerage;OpenBanking
2
Hybrid
PlanUpdate
2024-12-30
Success
v1.10.3
NoMargin
Enforce tax budget and position caps
A0478
Explorer
92,774
-81,249
2,680
14.9
2
10
US
Low
AccreditedOnly;NoShortSelling
null
PennyStocks
1.7
28.7
15.3
Business:5y;Travel:2y;Healthcare:8y
5
Educational
Deep
MaxDD;Sharpe
Email>Phone>Chat>App
true
22:45-06:15
66
59
61
60
CreditBureau;OpenBanking
4
null
PlanUpdate
2025-02-19
Success
v2.9.4
StopLossDisabled
Allow small experimental sleeve ≤ 3%
A0479
Stabilizer
26,261
164,153
14,037
8.3
2
10
US
Medium
null
null
Crypto;LeveragedETFs;PennyStocks
1.1
12
7.7
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Medium
Sharpe;TaxCost
Chat>Email>In-Person>App
true
19:15-06:00
48
161
33
28
CreditBureau;OpenBanking
17
null
AutoTransfer
2025-01-03
Success
v1.8.8
NoAutoTradesBelow$1k;StopLossDisabled
Keep expenses buffer ≥ 4 months
A0480
Optimizer
62,718
860,716
36,026
7
4
10
UK
Low
null
null
PennyStocks;PrivateCredit
1.6
22.5
11.1
Wealth:10y;Estate:20y;Education:6y
10
Educational
Medium
IRR;MaxDD;Sharpe
Email>Chat>Phone
false
21:30-07:15
63
94
54
54
Brokerage;OpenBanking;Payroll
7
Hybrid
AutoTransfer
2025-05-08
Success
v2.9.9
NoIlliquids;NoPennyStocks
Enforce tax budget and position caps
A0481
Stabilizer
48,797
177,543
5,940
5.3
4
10
US
Low
null
NoWeapons
Crypto;LeveragedETFs;PennyStocks
1
16.9
7.5
Retirement:15y;Emergency:1y;Debt:2y
15
Collaborative
Medium
Sharpe;MaxDD;TaxCost
App>In-Person>Chat>Email>Phone
true
19:30-07:30
66
115
73
61
OpenBanking;Payroll
10
null
Rebalance
2025-04-22
Success
v2.10.1
NoMargin;PauseWhenVIX>30;StopLossDisabled
Keep expenses buffer ≥ 4 months
A0482
Builder
59,193
103,883
5,336
8.3
3
10
DE
High
null
null
Crypto
1.7
13.5
11
Home:3y;Retirement:30y;Healthcare:8y
3
Concise
Deep
TaxCost;MaxDD;IRR
Chat>App>Phone>In-Person>Email
true
20:15-06:30
58
136
47
36
OpenBanking
17
Hybrid
AutoTransfer
2025-04-13
Partial
v1.8.2
NoMargin
Prioritize liquidity and down payment savings
A0483
Optimizer
32,347
372,943
11,027
11.3
2
10
US
Medium
null
ESGOnly;NoTobacco
PennyStocks
1.7
19.3
11.5
Wealth:10y;Estate:20y;Debt:2y
10
Collaborative
Deep
IRR;Sharpe;TaxCost
In-Person>App>Email>Chat
true
23:15-06:45
67
61
75
74
Brokerage;OpenBanking
1
Hybrid
AlertAcknowledge
2025-08-28
Success
v2.8.3
NoAutoTradesBelow$1k
Enforce tax budget and position caps
A0484
Optimizer
226,242
2,892,241
191,655
7.5
2
12
US
Low
NoShortSelling
NoWeapons
PennyStocks
1.9
21
11.9
Wealth:10y;Estate:20y;Education:6y
10
Educational
Medium
MaxDD;IRR;Sharpe
Phone>Chat>App
false
22:15-07:30
63
94
58
48
Brokerage;CreditBureau;OpenBanking
4
null
PlanUpdate
2025-08-21
Success
v2.9.7
NoMargin;PauseWhenVIX>30;StopLossDisabled
Enforce tax budget and position caps
A0485
Optimizer
162,769
809,468
55,091
11.9
1
12
US
Medium
null
null
PennyStocks
1.7
23.9
12.5
Wealth:10y;Estate:20y;Education:6y
10
Collaborative
Deep
TaxCost;IRR
Chat>In-Person>Email>App>Phone
false
21:45-07:30
64
82
62
54
Brokerage;OpenBanking;Payroll
5
Human
Rebalance
2025-05-22
Partial
v1.8.4
NoMargin
Enforce tax budget and position caps
A0486
Optimizer
325,231
2,094,563
158,191
7.5
4
12
US
High
NoDerivatives
NoFossilFuel
PennyStocks
1.6
22.2
13.4
Wealth:10y;Estate:20y;Education:6y
10
Educational
Deep
TaxCost;Sharpe;IRR
App>In-Person>Email
true
21:45-07:15
58
91
47
37
Brokerage;OpenBanking;Payroll
6
Hybrid
PlanUpdate
2025-10-17
Partial
v2.9.9
NoAutoTradesBelow$1k;PauseWhenVIX>30;StopLossDisabled
Enforce tax budget and position caps
A0487
Explorer
106,723
240,295
13,666
19.8
3
12
US
Medium
NoDerivatives
null
LeveragedETFs;PrivateCredit
2
30.6
17.3
Business:5y;Travel:2y;Healthcare:8y
5
Concise
Medium
TaxCost;MaxDD;IRR
Chat>Email>Phone>In-Person
false
21:30-07:30
58
80
70
66
OpenBanking
3
Hybrid
AlertAcknowledge
2025-01-24
Failed
v1.9.9
LimitOrderOnly
Allow small experimental sleeve ≤ 3%
A0488
Builder
105,205
101,315
3,054
13.1
1
15
AU
Medium
NoDerivatives
null
PennyStocks;PrivateCredit
1.4
15
8
Home:3y;Retirement:30y;Debt:2y
3
Concise
Shallow
Sharpe;MaxDD;TaxCost
Chat>App>Phone>In-Person
true
19:00-06:30
60
138
45
43
CreditBureau;OpenBanking
15
Human
AutoTransfer
2025-04-16
Success
v1.9.1
NoMargin
Prioritize liquidity and down payment savings
A0489
Builder
182,189
302,711
36,554
11.7
4
15
AU
Low
null
null
PrivateCredit
1.6
23.3
10.2
Home:3y;Retirement:30y;Education:6y
3
Concise
Deep
IRR;TaxCost
Phone>Chat>App>Email
true
23:15-08:00
68
82
72
67
OpenBanking;Payroll
8
null
PlanUpdate
2025-01-05
Success
v1.9.5
LimitOrderOnly;NoAutoTradesBelow$1k;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0490
Builder
51,178
168,857
8,514
11
2
10
CA
Low
NoDerivatives;NoIlliquids
NoWeapons
Crypto;LeveragedETFs
1.4
13.2
10.4
Home:3y;Retirement:30y
3
Concise
Deep
TaxCost;IRR;Sharpe
App>Email>Phone>Chat
true
19:30-08:30
62
100
59
49
CreditBureau;OpenBanking;Payroll
15
Hybrid
AlertAcknowledge
2025-01-09
Success
v1.9.6
LimitOrderOnly;StopLossDisabled
Prioritize liquidity and down payment savings
A0491
Builder
33,639
105,057
5,515
10
4
10
US
Medium
NoDerivatives;NoShortSelling
null
Crypto;LeveragedETFs
1.4
16.9
10.9
Home:3y;Retirement:30y;Education:6y
3
Educational
Shallow
TaxCost;Sharpe
Email>App>Chat
true
21:15-06:30
65
140
59
48
CreditBureau;OpenBanking
13
null
AutoTransfer
2025-08-30
Failed
v1.8.8
NoPennyStocks
Prioritize liquidity and down payment savings
A0492
Preserver
89,954
770,477
67,936
3.9
4
10
US
Low
AccreditedOnly
NoWeapons;NoTobacco
Crypto;LeveragedETFs;PennyStocks
1.2
8.7
5.9
Retirement:15y;Emergency:1y;Healthcare:8y
15
Directive
Medium
MaxDD;Sharpe;TaxCost
Chat>App>Email
true
22:15-07:00
81
233
91
87
Brokerage;OpenBanking;Payroll
3
Hybrid
PlanUpdate
2025-04-16
Success
v2.8.9
NoAutoTradesBelow$1k;NoMargin;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A0493
Stabilizer
51,715
168,794
21,670
8.1
1
10
UK
Low
NoShortSelling
null
Crypto;LeveragedETFs;PennyStocks
1
11.8
7.1
Retirement:15y;Emergency:1y;Debt:2y
15
Collaborative
Medium
TaxCost;Sharpe
In-Person>Email>Chat>App
false
21:45-07:45
64
98
66
55
OpenBanking;Payroll
14
Human
AlertAcknowledge
2025-11-16
Success
v2.10.5
NoAutoTradesBelow$1k;NoMargin
Keep expenses buffer ≥ 4 months
A0494
Preserver
89,077
328,398
47,196
6.7
2
10
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1
9.1
8.9
Retirement:15y;Emergency:1y;Healthcare:8y
15
Collaborative
Shallow
TaxCost;MaxDD;Sharpe
In-Person>Email>Chat>App
true
20:45-06:00
72
175
73
65
Brokerage;OpenBanking
8
Hybrid
AlertAcknowledge
2025-02-12
Failed
v1.8.2
NoMargin;NoPennyStocks;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0495
Builder
41,249
104,539
5,150
7.3
4
10
CA
Low
NoDerivatives
ESGOnly
Crypto;PrivateCredit
1.4
14.6
8.6
Home:3y;Retirement:30y;Healthcare:8y
3
Directive
Shallow
Sharpe;MaxDD;TaxCost
In-Person>Phone>App>Email
true
22:15-08:00
61
130
66
60
OpenBanking;Payroll
10
Hybrid
PlanUpdate
2025-02-25
Success
v2.10.8
NoMargin
Prioritize liquidity and down payment savings
A0496
Stabilizer
92,828
439,208
38,268
6.4
1
10
US
High
AccreditedOnly;NoShortSelling
NoFossilFuel;NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.1
14
7.2
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Medium
Sharpe;TaxCost
App>Phone>Email
true
23:45-06:15
50
153
57
58
OpenBanking
15
Hybrid
Rebalance
2025-05-23
Success
v2.10.5
NoAutoTradesBelow$1k;NoMargin;StopLossDisabled
Keep expenses buffer ≥ 4 months
A0497
Explorer
83,353
664,394
33,157
18.4
3
10
UK
Low
NoShortSelling
NoTobacco;NoWeapons
PennyStocks
1.7
21.9
14.7
Business:5y;Travel:2y;Debt:2y
5
Concise
Medium
IRR;MaxDD
Email>In-Person>App>Phone>Chat
true
23:45-07:00
65
86
53
42
CreditBureau;OpenBanking;Payroll
2
Hybrid
AlertAcknowledge
2025-02-06
Failed
v1.10.3
NoIlliquids;NoMargin;StopLossDisabled
Allow small experimental sleeve ≤ 3%
A0498
Stabilizer
72,308
342,097
25,527
6.7
3
10
AU
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1
16.3
6.8
Retirement:15y;Emergency:1y;Debt:2y
15
Directive
Medium
Sharpe;MaxDD
In-Person>Phone>Chat>App
true
23:00-07:30
68
138
62
63
CreditBureau;OpenBanking;Payroll
16
null
Rebalance
2025-04-14
Partial
v2.10.2
LimitOrderOnly;NoAutoTradesBelow$1k;NoMargin;NoPennyStocks
Keep expenses buffer ≥ 4 months
A0499
Preserver
111,818
381,538
27,666
6.2
4
12
US
Low
AccreditedOnly;NoShortSelling
NoTobacco;NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.2
10.8
6.7
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Medium
Sharpe;MaxDD
App>In-Person>Phone>Chat
true
19:15-07:00
68
196
78
78
Brokerage;OpenBanking
11
null
AutoTransfer
2025-02-22
Success
v2.10.3
NoIlliquids;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0500
Explorer
62,073
188,489
17,299
16.4
2
10
UK
Low
null
null
Crypto;PrivateCredit
1.7
24.8
17.4
Business:5y;Travel:2y;Healthcare:8y
5
Directive
Medium
Sharpe;MaxDD
Phone>Email>Chat>App
true
19:15-07:45
67
89
77
71
OpenBanking
7
null
PlanUpdate
2025-01-21
Success
v1.9.1
NoMargin;PauseWhenVIX>30
Allow small experimental sleeve ≤ 3%