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
A0501
Optimizer
175,609
1,105,053
37,513
6.6
3
12
US
Low
AccreditedOnly;NoDerivatives
null
PennyStocks;PrivateCredit
1.7
26.5
11
Wealth:10y;Estate:20y;Education:6y
10
Concise
Deep
MaxDD;IRR;Sharpe
In-Person>App>Email
false
19:00-06:00
72
79
66
64
Brokerage;CreditBureau;OpenBanking
5
Hybrid
AlertAcknowledge
2025-06-24
Success
v1.10.5
NoPennyStocks;PauseWhenVIX>30
Enforce tax budget and position caps
A0502
Stabilizer
75,301
332,998
34,879
5.2
3
10
US
Medium
null
null
Crypto;LeveragedETFs;PennyStocks
1
11
5.1
Retirement:15y;Emergency:1y;Debt:2y
15
Collaborative
Deep
MaxDD;Sharpe
App>Phone>Chat>Email>In-Person
false
22:15-08:00
48
92
33
31
CreditBureau;OpenBanking;Payroll
12
null
PlanUpdate
2025-02-01
Partial
v2.9.5
NoMargin;StopLossDisabled
Keep expenses buffer ≥ 4 months
A0503
Optimizer
105,585
608,836
32,012
6.6
4
12
US
Low
null
NoWeapons
LeveragedETFs;PennyStocks;PrivateCredit
1.7
27.6
12.3
Wealth:10y;Estate:20y;Education:6y
10
Collaborative
Shallow
MaxDD;TaxCost;IRR
App>Chat>Phone
true
20:30-07:00
65
68
73
67
Brokerage;OpenBanking
4
Hybrid
Rebalance
2025-12-01
Success
v1.10.2
LimitOrderOnly;NoAutoTradesBelow$1k;StopLossDisabled
Enforce tax budget and position caps
A0504
Preserver
143,176
1,500,434
84,669
8.4
1
12
US
Low
NoIlliquids
NoFossilFuel;NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.1
10.9
8.9
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Deep
MaxDD;Sharpe;TaxCost
Chat>App>Phone>In-Person
true
22:15-07:00
78
159
74
80
Brokerage;CreditBureau;OpenBanking
3
null
AlertAcknowledge
2025-01-19
Success
v1.10.9
NoIlliquids;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0505
Builder
116,700
156,365
5,726
11.8
2
12
US
Medium
null
ESGOnly;NoWeapons
null
1.8
17
9.7
Home:3y;Retirement:30y
3
Collaborative
Medium
MaxDD;Sharpe
App>In-Person>Email
true
20:00-06:45
57
92
60
54
OpenBanking
13
null
PlanUpdate
2025-11-21
Success
v2.9.5
NoAutoTradesBelow$1k;PauseWhenVIX>30;StopLossDisabled
Prioritize liquidity and down payment savings
A0506
Builder
120,795
531,066
13,306
12.7
1
12
US
Low
AccreditedOnly
NoWeapons
null
1.6
17.7
10
Home:3y;Retirement:30y;Education:6y
3
Concise
Medium
Sharpe;TaxCost;IRR
Phone>In-Person>Chat>Email
false
23:45-08:30
72
141
80
72
CreditBureau;OpenBanking
9
Hybrid
PlanUpdate
2025-06-30
Success
v1.9.4
StopLossDisabled
Prioritize liquidity and down payment savings
A0507
Optimizer
73,486
345,545
17,155
10
3
10
US
Low
null
NoWeapons
PennyStocks
1.7
22.8
11.1
Wealth:10y;Estate:20y;Education:6y
10
Collaborative
Medium
TaxCost;MaxDD
Chat>Phone>In-Person
true
19:15-06:45
69
86
80
69
Brokerage;OpenBanking;Payroll
4
Hybrid
AlertAcknowledge
2025-09-02
Success
v2.9.2
NoMargin;StopLossDisabled
Enforce tax budget and position caps
A0508
Builder
52,025
72,320
4,765
8.7
4
10
SG
Low
null
NoWeapons
null
1.4
14.9
9.5
Home:3y;Retirement:30y;Healthcare:8y
3
Educational
Medium
TaxCost;IRR;MaxDD
Phone>In-Person>Email
true
23:30-07:00
58
83
49
42
CreditBureau;OpenBanking;Payroll
7
null
Rebalance
2025-06-04
Success
v1.8.6
LimitOrderOnly;NoIlliquids
Prioritize liquidity and down payment savings
A0509
Preserver
49,981
432,669
29,863
6
2
10
US
Low
NoDerivatives;NoShortSelling
NoTobacco;NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
1.2
11.5
5
Retirement:15y;Emergency:1y;Debt:2y
15
Concise
Medium
TaxCost;Sharpe
Email>App>Chat>Phone>In-Person
true
23:00-06:15
83
191
85
80
Brokerage;CreditBureau;OpenBanking
14
null
PlanUpdate
2025-09-06
Success
v2.9.1
NoIlliquids;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0510
Preserver
89,731
245,605
20,846
5.2
3
10
US
High
null
null
Crypto;LeveragedETFs;PennyStocks
1
14.5
8.1
Retirement:15y;Emergency:1y;Debt:2y
15
Collaborative
Shallow
TaxCost;Sharpe
In-Person>Phone>Chat
true
19:45-06:45
55
168
45
41
Brokerage;CreditBureau;OpenBanking
4
Human
Rebalance
2025-03-26
Success
v2.8.5
NoIlliquids;NoMargin;PauseWhenVIX>30;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0511
Preserver
116,593
1,050,269
75,610
6
2
15
SG
Medium
NoDerivatives
NoWeapons;NoTobacco
Crypto;LeveragedETFs;PennyStocks
0.9
9.5
6
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Shallow
MaxDD;Sharpe
App>Chat>Email
true
19:15-07:00
74
139
63
57
Brokerage;CreditBureau;OpenBanking
5
null
AutoTransfer
2025-03-29
Success
v2.10.6
NoMargin;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A0512
Preserver
93,608
1,217,614
45,004
5.6
2
10
UK
Low
null
null
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1.1
10.1
6
Retirement:15y;Emergency:1y;Education:6y
15
Directive
Medium
TaxCost;Sharpe;MaxDD
Email>Chat>App>Phone>In-Person
true
23:30-07:45
69
239
54
53
Brokerage;CreditBureau;OpenBanking
11
Hybrid
PlanUpdate
2025-06-11
Success
v1.8.2
StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0513
Stabilizer
164,547
1,502,912
49,586
10
1
12
US
Medium
AccreditedOnly
NoTobacco;ESGOnly
Crypto;LeveragedETFs;PennyStocks
1.2
13.5
8
Retirement:15y;Emergency:1y
15
Educational
Medium
MaxDD;TaxCost;Sharpe
Phone>Email>In-Person>App
true
23:15-07:30
52
92
39
39
OpenBanking
9
Hybrid
AutoTransfer
2025-07-20
Partial
v2.10.5
LimitOrderOnly;NoMargin
Keep expenses buffer ≥ 4 months
A0514
Preserver
83,923
419,726
61,475
4.5
4
10
US
Low
NoIlliquids
null
Crypto;LeveragedETFs;PennyStocks
1.2
17.2
8.3
Retirement:15y;Emergency:1y
15
Concise
Medium
Sharpe;MaxDD
Phone>In-Person>Email
true
22:30-06:15
70
141
61
63
Brokerage;OpenBanking;Payroll
12
null
AlertAcknowledge
2025-09-19
Partial
v1.10.6
NoMargin;NoPennyStocks;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0515
Builder
40,545
96,694
12,221
10.3
3
10
US
Medium
NoDerivatives;NoShortSelling
null
null
1.5
17.4
11.1
Home:3y;Retirement:30y;Debt:2y
3
Directive
Medium
Sharpe;IRR;MaxDD
Phone>Chat>App
true
19:30-08:00
67
149
57
46
CreditBureau;OpenBanking
15
null
Rebalance
2025-08-23
Success
v2.9.7
NoAutoTradesBelow$1k;NoIlliquids;StopLossDisabled
Prioritize liquidity and down payment savings
A0516
Builder
85,461
428,963
8,201
10.3
1
10
US
Low
null
ESGOnly
PennyStocks
1.5
24.6
11.1
Home:3y;Retirement:30y;Debt:2y
3
Collaborative
Medium
IRR;TaxCost;MaxDD
Phone>Email>Chat>App
true
23:00-08:45
61
102
65
61
CreditBureau;OpenBanking
16
null
PlanUpdate
2025-11-05
Success
v2.9.4
LimitOrderOnly;PauseWhenVIX>30;StopLossDisabled
Prioritize liquidity and down payment savings
A0517
Preserver
104,817
1,788,001
94,557
5.6
3
12
US
Low
NoDerivatives;AccreditedOnly
NoTobacco
Crypto;LeveragedETFs;PennyStocks
1.2
15
5.1
Retirement:15y;Emergency:1y
15
Educational
Medium
TaxCost;MaxDD;Sharpe
App>Chat>Email>In-Person>Phone
true
19:00-08:45
67
184
67
67
Brokerage;CreditBureau;OpenBanking;Payroll
9
Human
AutoTransfer
2025-10-08
Success
v1.10.9
LimitOrderOnly;NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0518
Preserver
122,989
1,300,002
63,054
3.6
4
12
US
Low
NoDerivatives;NoShortSelling
NoTobacco
Crypto;LeveragedETFs;PennyStocks
1.1
16.7
6.2
Retirement:15y;Emergency:1y;Debt:2y
15
Collaborative
Medium
TaxCost;MaxDD;Sharpe
Phone>Chat>Email
true
22:45-07:30
69
226
66
71
Brokerage;OpenBanking
3
Hybrid
AutoTransfer
2025-12-21
Success
v1.9.8
LimitOrderOnly;NoIlliquids
Maintain ≥ 12m cash runway and low drawdown
A0519
Preserver
111,470
591,779
77,389
4
4
12
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1.1
12.1
6.8
Retirement:15y;Emergency:1y;Education:6y
15
Concise
Medium
TaxCost;MaxDD
Email>In-Person>Chat>App
true
22:45-07:30
79
178
73
65
Brokerage;CreditBureau;OpenBanking
10
Hybrid
Rebalance
2025-02-17
Success
v2.9.4
NoIlliquids;NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0520
Preserver
108,826
647,283
80,730
6.3
1
12
US
Medium
NoShortSelling;NoDerivatives
NoFossilFuel;ESGOnly
Crypto;LeveragedETFs;PennyStocks
1.1
9.9
6.8
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Shallow
TaxCost;Sharpe
Email>App>In-Person>Phone
true
19:00-07:00
74
215
83
87
Brokerage;CreditBureau;OpenBanking;Payroll
12
Human
AutoTransfer
2025-05-25
Success
v1.9.2
NoIlliquids;NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0521
Builder
25,462
59,947
3,020
13
1
10
US
Medium
null
null
Crypto;PrivateCredit
1.4
18.5
8.5
Home:3y;Retirement:30y;Education:6y
3
Educational
Medium
Sharpe;TaxCost;IRR
Email>In-Person>Chat>Phone
true
21:00-08:00
58
124
44
37
CreditBureau;OpenBanking
5
null
AutoTransfer
2024-12-27
Partial
v2.9.6
NoPennyStocks;StopLossDisabled
Prioritize liquidity and down payment savings
A0522
Optimizer
83,863
1,104,338
43,466
7.2
4
10
AU
Low
NoDerivatives
NoTobacco
PennyStocks
1.8
21
10.7
Wealth:10y;Estate:20y;Healthcare:8y
10
Collaborative
Medium
TaxCost;MaxDD;IRR
Email>In-Person>Phone>Chat>App
false
19:30-06:30
62
113
56
48
Brokerage;OpenBanking;Payroll
2
Hybrid
PlanUpdate
2025-03-27
Success
v1.10.8
NoIlliquids;NoMargin;NoPennyStocks
Enforce tax budget and position caps
A0523
Builder
50,734
170,913
5,592
12.9
3
10
US
Medium
null
NoFossilFuel;NoTobacco
PennyStocks
1.7
12.4
12
Home:3y;Retirement:30y;Debt:2y
3
Educational
Deep
MaxDD;Sharpe
Phone>Email>Chat
true
22:30-08:30
70
146
63
57
OpenBanking
15
null
Rebalance
2025-05-08
Success
v2.9.2
PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0524
Preserver
85,889
284,025
41,926
6.4
2
10
DE
Low
NoIlliquids;NoDerivatives
null
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
0.9
9.3
8.1
Retirement:15y;Emergency:1y;Debt:2y
15
Directive
Medium
Sharpe;TaxCost
App>Phone>Chat>Email>In-Person
true
23:30-08:15
77
210
71
63
Brokerage;OpenBanking
7
Hybrid
Rebalance
2025-05-27
Failed
v2.9.4
NoIlliquids;NoMargin;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0525
Builder
54,080
182,809
5,326
12.4
4
10
US
Low
NoIlliquids;NoShortSelling
null
LeveragedETFs;PrivateCredit
1.5
22
12
Home:3y;Retirement:30y;Debt:2y
3
Directive
Medium
MaxDD;IRR;Sharpe
In-Person>Email>App>Phone>Chat
true
19:15-07:00
59
127
44
37
OpenBanking
18
Hybrid
PlanUpdate
2025-10-12
Success
v1.10.9
NoMargin;NoPennyStocks
Prioritize liquidity and down payment savings
A0526
Builder
79,679
154,329
6,678
9.5
2
10
US
Low
NoShortSelling
ESGOnly;NoWeapons
Crypto;PennyStocks
1.6
13
12
Home:3y;Retirement:30y;Education:6y
3
Educational
Shallow
IRR;TaxCost;MaxDD
Chat>App>In-Person>Phone
false
19:45-08:15
69
120
77
68
CreditBureau;OpenBanking
13
Human
AutoTransfer
2025-11-11
Success
v1.9.6
NoPennyStocks;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0527
Preserver
125,536
1,243,702
84,313
5.2
2
12
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1
15.9
7.1
Retirement:15y;Emergency:1y;Healthcare:8y
15
Concise
Medium
MaxDD;TaxCost
Phone>In-Person>App
false
20:15-06:45
72
137
57
52
Brokerage;OpenBanking
10
Human
AutoTransfer
2025-01-12
Success
v1.9.6
NoMargin;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A0528
Builder
39,765
99,755
7,185
8.9
4
10
US
Low
NoShortSelling
null
PennyStocks;PrivateCredit
1.4
20.2
9.7
Home:3y;Retirement:30y;Education:6y
3
Concise
Medium
TaxCost;Sharpe
In-Person>Chat>Email>App
true
19:30-06:00
71
126
65
60
OpenBanking
11
Hybrid
AlertAcknowledge
2025-12-23
Success
v1.9.6
NoAutoTradesBelow$1k
Prioritize liquidity and down payment savings
A0529
Preserver
129,926
1,585,471
79,898
4.9
2
15
UK
Low
null
NoTobacco;NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.1
8.5
7.3
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Deep
Sharpe;TaxCost
Email>Phone>Chat>App
false
20:45-08:00
75
203
81
77
Brokerage;OpenBanking
6
Hybrid
Rebalance
2025-12-09
Partial
v2.9.8
NoAutoTradesBelow$1k;NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0530
Builder
86,128
217,799
13,595
11.8
3
10
UK
Low
null
null
LeveragedETFs;PrivateCredit
1.4
17
7.9
Home:3y;Retirement:30y;Healthcare:8y
3
Educational
Medium
MaxDD;IRR;TaxCost
In-Person>Email>Phone>App>Chat
true
22:45-06:45
61
90
60
60
OpenBanking
15
null
Rebalance
2025-07-27
Partial
v2.8.4
LimitOrderOnly
Prioritize liquidity and down payment savings
A0531
Preserver
118,932
694,546
86,951
9
1
12
US
Low
NoDerivatives
NoWeapons
Crypto;LeveragedETFs;PennyStocks
0.9
12.2
5.6
Retirement:15y;Emergency:1y
15
Collaborative
Medium
Sharpe;MaxDD;TaxCost
In-Person>Chat>App>Phone
true
23:45-07:30
72
140
74
65
Brokerage;CreditBureau;OpenBanking;Payroll
13
Hybrid
PlanUpdate
2025-04-18
Success
v1.10.3
NoMargin;NoPennyStocks;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A0532
Stabilizer
40,315
107,204
10,901
3.9
4
10
US
High
NoShortSelling;NoDerivatives
null
Crypto;LeveragedETFs;PennyStocks
0.9
16.9
5.7
Retirement:15y;Emergency:1y;Healthcare:8y
15
Educational
Deep
Sharpe;MaxDD
App>In-Person>Chat>Phone
false
20:45-07:15
49
99
40
41
OpenBanking
17
Human
Rebalance
2025-06-07
Success
v1.8.4
NoMargin;NoPennyStocks;StopLossDisabled
Keep expenses buffer ≥ 4 months
A0533
Preserver
117,739
1,106,163
86,323
8.7
1
15
CA
Low
NoDerivatives
null
Crypto;LeveragedETFs;PennyStocks
1.1
12.7
8.9
Retirement:15y;Emergency:1y
15
Collaborative
Shallow
Sharpe;MaxDD;TaxCost
In-Person>App>Phone>Chat>Email
true
22:00-06:45
68
143
77
81
Brokerage;CreditBureau;OpenBanking
8
Human
AutoTransfer
2025-03-19
Success
v1.9.7
NoAutoTradesBelow$1k;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0534
Optimizer
125,655
758,017
70,826
9.8
3
12
US
Low
NoIlliquids
ESGOnly;NoTobacco
PennyStocks
1.8
18.4
13.2
Wealth:10y;Estate:20y
10
Educational
Medium
Sharpe;IRR
Phone>Email>In-Person>Chat
true
19:30-07:00
66
98
65
57
Brokerage;CreditBureau;OpenBanking
6
null
AutoTransfer
2025-01-26
Success
v2.10.5
PauseWhenVIX>30
Enforce tax budget and position caps
A0535
Stabilizer
109,487
600,401
30,774
6
2
12
US
Low
AccreditedOnly;NoDerivatives
null
Crypto;LeveragedETFs;PennyStocks
1.1
13.3
7.4
Retirement:15y;Emergency:1y;Healthcare:8y
15
Concise
Medium
TaxCost;MaxDD
Phone>In-Person>App>Chat>Email
true
20:45-08:45
67
122
54
49
OpenBanking
16
Human
AlertAcknowledge
2025-09-24
Success
v2.9.8
NoMargin;StopLossDisabled
Keep expenses buffer ≥ 4 months
A0536
Stabilizer
154,728
602,094
20,313
4.4
3
12
US
Low
NoShortSelling
NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
1.1
10.8
7.8
Retirement:15y;Emergency:1y;Healthcare:8y
15
Collaborative
Shallow
MaxDD;Sharpe
App>Chat>Email>In-Person>Phone
true
21:30-08:00
62
117
61
58
OpenBanking
10
Human
PlanUpdate
2025-10-22
Success
v1.9.2
LimitOrderOnly;NoIlliquids;NoMargin
Keep expenses buffer ≥ 4 months
A0537
Builder
135,216
255,681
13,699
10.6
3
12
US
Low
NoShortSelling
NoFossilFuel;NoWeapons
null
1.4
21.5
8.9
Home:3y;Retirement:30y
3
Collaborative
Medium
IRR;Sharpe;TaxCost
Email>Phone>App>In-Person>Chat
true
20:45-06:45
72
93
63
54
OpenBanking
9
null
Rebalance
2025-12-21
Success
v2.9.7
PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0538
Explorer
69,611
174,848
9,189
17.2
2
10
US
Low
NoIlliquids
NoFossilFuel;NoWeapons
Crypto;PennyStocks
1.7
29.7
16.4
Business:5y;Travel:2y;Education:6y
5
Collaborative
Deep
MaxDD;TaxCost;Sharpe
Email>App>Chat
true
20:15-08:45
63
46
72
68
OpenBanking
3
Human
Rebalance
2025-01-12
Success
v1.8.7
NoMargin;StopLossDisabled
Allow small experimental sleeve ≤ 3%
A0539
Explorer
66,115
279,892
19,560
20.3
2
10
US
Low
NoIlliquids
null
null
2.1
25.8
12.5
Business:5y;Travel:2y;Education:6y
5
Concise
Medium
TaxCost;Sharpe;IRR
In-Person>Phone>Email>Chat
false
19:15-07:45
70
77
76
70
CreditBureau;OpenBanking;Payroll
6
Hybrid
AutoTransfer
2025-07-27
Success
v1.8.5
LimitOrderOnly;NoMargin
Allow small experimental sleeve ≤ 3%
A0540
Preserver
127,106
1,026,377
64,241
5
4
15
IN
High
null
NoFossilFuel;NoTobacco
Crypto;LeveragedETFs;PennyStocks
1.1
11.9
5.6
Retirement:15y;Emergency:1y
15
Concise
Shallow
TaxCost;MaxDD
App>Email>Chat>Phone
false
20:15-08:30
62
148
55
51
Brokerage;CreditBureau;OpenBanking
7
Human
AutoTransfer
2025-02-23
Success
v1.10.6
NoAutoTradesBelow$1k;NoMargin;NoPennyStocks;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A0541
Preserver
63,195
270,873
30,280
5
4
10
US
Low
NoShortSelling;NoDerivatives
NoTobacco;ESGOnly
Crypto;LeveragedETFs;PennyStocks
1.1
12.1
7.8
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Medium
Sharpe;MaxDD;TaxCost
App>Chat>In-Person
true
23:15-07:30
78
181
67
66
Brokerage;OpenBanking
13
Hybrid
Rebalance
2025-12-23
Partial
v2.8.6
NoIlliquids
Maintain ≥ 12m cash runway and low drawdown
A0542
Builder
34,447
158,574
5,620
9
2
10
US
Low
NoIlliquids
null
null
1.6
24
11.3
Home:3y;Retirement:30y;Debt:2y
3
Directive
Shallow
TaxCost;IRR
Email>In-Person>App
true
23:15-06:00
59
137
51
40
OpenBanking;Payroll
15
Hybrid
AutoTransfer
2025-04-10
Success
v1.8.6
LimitOrderOnly;PauseWhenVIX>30;StopLossDisabled
Prioritize liquidity and down payment savings
A0543
Builder
53,495
133,472
9,105
14
1
10
IN
Low
null
null
null
1.7
22.1
11.4
Home:3y;Retirement:30y;Education:6y
3
Collaborative
Medium
Sharpe;TaxCost
Phone>Email>Chat>In-Person>App
true
23:15-06:15
69
84
69
63
CreditBureau;OpenBanking;Payroll
16
Human
Rebalance
2025-06-11
Success
v2.8.3
LimitOrderOnly;NoAutoTradesBelow$1k;NoIlliquids
Prioritize liquidity and down payment savings
A0544
Stabilizer
122,105
310,105
28,948
6
2
12
US
Low
NoIlliquids
NoTobacco;NoWeapons
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1.1
8.9
7
Retirement:15y;Emergency:1y;Healthcare:8y
15
Educational
Deep
Sharpe;MaxDD
Email>Phone>Chat
true
22:30-08:45
53
125
45
48
OpenBanking
9
null
AlertAcknowledge
2024-12-27
Partial
v1.10.3
NoAutoTradesBelow$1k;NoMargin;NoPennyStocks;StopLossDisabled
Keep expenses buffer ≥ 4 months
A0545
Preserver
86,469
446,692
61,723
6
4
10
US
Low
NoShortSelling;AccreditedOnly
ESGOnly
Crypto;LeveragedETFs;PennyStocks
1.1
10.1
5.7
Retirement:15y;Emergency:1y;Education:6y
15
Collaborative
Shallow
TaxCost;MaxDD
In-Person>Phone>Chat>App
true
23:45-07:30
68
174
71
64
Brokerage;CreditBureau;OpenBanking
6
Hybrid
PlanUpdate
2025-01-30
Partial
v1.9.4
NoMargin;PauseWhenVIX>30;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0546
Stabilizer
137,459
311,025
40,887
6
4
12
US
Low
NoDerivatives
NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
1.1
13.4
7.4
Retirement:15y;Emergency:1y;Education:6y
15
Concise
Deep
TaxCost;MaxDD
Chat>Email>Phone
true
21:00-07:15
55
124
58
51
CreditBureau;OpenBanking;Payroll
10
null
Rebalance
2025-09-06
Partial
v1.8.7
NoMargin
Keep expenses buffer ≥ 4 months
A0547
Builder
18,870
66,893
4,422
14.1
1
10
US
Medium
null
ESGOnly;NoFossilFuel
null
1.7
13.4
8.3
Home:3y;Retirement:30y;Debt:2y
3
Educational
Shallow
Sharpe;TaxCost
Email>App>In-Person>Chat
true
23:30-06:15
52
100
58
54
CreditBureau;OpenBanking
20
Human
AlertAcknowledge
2025-10-01
Failed
v2.10.6
NoAutoTradesBelow$1k;StopLossDisabled
Prioritize liquidity and down payment savings
A0548
Preserver
52,319
644,017
48,768
6.4
2
10
US
Low
AccreditedOnly;NoShortSelling
null
Crypto;LeveragedETFs;PennyStocks
1
14.8
8.2
Retirement:15y;Emergency:1y;Healthcare:8y
15
Concise
Medium
MaxDD;TaxCost;Sharpe
Email>App>In-Person
true
21:45-08:15
71
163
75
77
Brokerage;OpenBanking
7
null
AutoTransfer
2025-08-22
Success
v1.10.4
NoAutoTradesBelow$1k;NoMargin;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A0549
Preserver
93,950
838,999
43,273
5.1
3
10
IN
Low
NoIlliquids
NoTobacco
Crypto;LeveragedETFs;PennyStocks
1
8.2
8.3
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Deep
MaxDD;Sharpe;TaxCost
Chat>Email>In-Person
true
20:30-08:30
68
221
66
67
Brokerage;OpenBanking;Payroll
11
null
PlanUpdate
2025-12-20
Failed
v2.8.5
LimitOrderOnly;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0550
Preserver
140,825
893,763
59,834
4.7
4
12
US
Low
NoShortSelling
NoWeapons;NoTobacco
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
0.9
14.8
5.5
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Medium
Sharpe;TaxCost
Phone>Email>App>In-Person
true
21:30-08:30
78
125
68
73
Brokerage;CreditBureau;OpenBanking
8
Human
Rebalance
2025-06-14
Success
v2.10.4
NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0551
Builder
64,130
124,073
5,020
7.9
4
10
US
High
AccreditedOnly;NoShortSelling
NoTobacco
Crypto
1.6
20.1
8.3
Home:3y;Retirement:30y
3
Educational
Medium
IRR;TaxCost
Chat>Email>App
true
20:15-08:45
55
121
59
47
OpenBanking
11
Hybrid
AlertAcknowledge
2025-01-28
Success
v2.8.6
NoMargin
Prioritize liquidity and down payment savings
A0552
Explorer
63,383
-87,087
10,098
12.5
4
10
US
Low
NoShortSelling;NoDerivatives
null
PennyStocks
1.6
24.4
15.7
Business:5y;Travel:2y;Debt:2y
5
Collaborative
Shallow
TaxCost;MaxDD
Email>In-Person>App
true
20:00-07:45
61
84
62
57
CreditBureau;OpenBanking
6
Human
Rebalance
2025-02-27
Partial
v2.8.5
NoAutoTradesBelow$1k;PauseWhenVIX>30;StopLossDisabled
Allow small experimental sleeve ≤ 3%
A0553
Preserver
94,023
516,538
40,152
6.3
2
10
US
High
null
NoWeapons;ESGOnly
Crypto;LeveragedETFs;PennyStocks
1
16.2
5.6
Retirement:15y;Emergency:1y;Debt:2y
15
Collaborative
Medium
Sharpe;TaxCost
In-Person>App>Phone>Email>Chat
false
19:30-06:15
67
229
59
60
Brokerage;CreditBureau;OpenBanking
10
Human
AutoTransfer
2025-11-25
Success
v1.9.8
NoIlliquids;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0554
Builder
29,932
64,172
5,603
13.9
2
10
US
Low
AccreditedOnly
ESGOnly;NoTobacco
null
1.6
19.7
9.9
Home:3y;Retirement:30y;Education:6y
3
Collaborative
Medium
Sharpe;TaxCost
App>Phone>In-Person
true
22:45-06:15
67
77
70
64
OpenBanking
7
null
PlanUpdate
2025-11-27
Success
v2.10.8
NoAutoTradesBelow$1k;NoMargin;StopLossDisabled
Prioritize liquidity and down payment savings
A0555
Stabilizer
118,941
288,876
43,139
6.8
3
12
US
Low
AccreditedOnly
NoFossilFuel;NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.1
10.5
6.4
Retirement:15y;Emergency:1y;Healthcare:8y
15
Directive
Medium
Sharpe;MaxDD;TaxCost
Email>Chat>App
false
19:30-07:30
61
93
50
44
OpenBanking
19
Human
Rebalance
2025-08-16
Success
v1.8.5
NoMargin;NoPennyStocks;StopLossDisabled
Keep expenses buffer ≥ 4 months
A0556
Preserver
75,123
216,891
18,457
3.5
4
10
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1
11.2
7.1
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Shallow
MaxDD;TaxCost;Sharpe
Chat>Phone>App>Email
false
19:15-08:30
67
137
55
43
Brokerage;OpenBanking;Payroll
14
null
PlanUpdate
2025-12-13
Success
v2.8.7
NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0557
Builder
108,043
-18,184
2,063
8.5
3
12
US
Low
null
NoWeapons;NoFossilFuel
null
1.4
19.6
7.7
Home:3y;Retirement:30y;Debt:2y
3
Concise
Shallow
MaxDD;TaxCost
In-Person>Chat>Email>Phone
true
21:45-06:45
58
87
50
50
OpenBanking
12
Hybrid
PlanUpdate
2025-05-22
Success
v2.9.2
NoMargin
Prioritize liquidity and down payment savings
A0558
Builder
64,104
148,870
8,459
12.1
3
10
US
Low
NoIlliquids
ESGOnly
PennyStocks
1.8
17.9
10.8
Home:3y;Retirement:30y;Debt:2y
3
Directive
Shallow
IRR;Sharpe;MaxDD
App>Phone>Email>Chat>In-Person
true
21:00-08:45
62
141
67
55
CreditBureau;OpenBanking
5
Human
Rebalance
2024-12-31
Success
v2.8.3
LimitOrderOnly;NoIlliquids
Prioritize liquidity and down payment savings
A0559
Explorer
107,009
212,217
18,239
13.6
4
12
US
Low
null
NoFossilFuel
PennyStocks;PrivateCredit
1.9
29.6
17.2
Business:5y;Travel:2y
5
Directive
Shallow
TaxCost;IRR;MaxDD
App>In-Person>Phone>Email>Chat
true
21:00-07:00
66
90
62
62
CreditBureau;OpenBanking
2
null
AlertAcknowledge
2025-04-10
Success
v1.8.1
LimitOrderOnly;NoMargin
Allow small experimental sleeve ≤ 3%
A0560
Stabilizer
84,471
151,408
19,703
6.9
2
10
AU
High
null
NoFossilFuel;NoTobacco
Crypto;LeveragedETFs;PennyStocks
1.1
13.4
8.4
Retirement:15y;Emergency:1y
15
Concise
Medium
TaxCost;Sharpe;MaxDD
Chat>App>In-Person>Email>Phone
true
22:45-06:00
48
104
44
37
CreditBureau;OpenBanking;Payroll
5
null
PlanUpdate
2025-09-04
Success
v1.10.3
NoMargin
Keep expenses buffer ≥ 4 months
A0561
Builder
63,069
224,147
10,931
11.8
2
10
US
Low
null
null
PennyStocks;PrivateCredit
1.8
15.3
10.7
Home:3y;Retirement:30y;Education:6y
3
Directive
Medium
IRR;TaxCost
Chat>App>In-Person>Phone>Email
true
23:30-07:45
61
76
60
55
OpenBanking
10
null
Rebalance
2025-11-30
Partial
v1.9.5
LimitOrderOnly;NoIlliquids
Prioritize liquidity and down payment savings
A0562
Preserver
108,066
482,798
23,822
3.2
4
15
IN
Low
NoShortSelling
ESGOnly
Crypto;LeveragedETFs;PennyStocks
1
14.1
6.2
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Deep
MaxDD;TaxCost;Sharpe
Email>Chat>App>In-Person
true
21:15-06:30
81
229
76
69
Brokerage;CreditBureau;OpenBanking
9
null
AlertAcknowledge
2025-07-01
Failed
v2.10.7
NoIlliquids;NoMargin;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0563
Preserver
54,765
210,584
26,715
6.2
2
10
US
Low
NoIlliquids
null
Crypto;LeveragedETFs;PennyStocks
1
9.7
7.4
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Deep
TaxCost;MaxDD
Phone>Chat>In-Person
true
19:30-06:00
76
172
64
57
Brokerage;CreditBureau;OpenBanking
3
null
AutoTransfer
2025-03-02
Success
v2.8.3
NoIlliquids;NoMargin;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A0564
Preserver
98,954
375,436
50,959
5.9
3
10
CA
Low
NoDerivatives
ESGOnly;NoWeapons
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1.1
9
5.3
Retirement:15y;Emergency:1y
15
Educational
Medium
Sharpe;TaxCost
App>Chat>Phone
true
23:15-08:15
79
128
70
70
Brokerage;OpenBanking
11
Hybrid
AlertAcknowledge
2025-09-06
Failed
v2.8.1
LimitOrderOnly;NoMargin;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A0565
Preserver
196,107
2,613,690
144,159
8.1
1
12
US
Medium
null
null
Crypto;LeveragedETFs;PennyStocks
1
13.2
7.3
Retirement:15y;Emergency:1y
15
Directive
Medium
Sharpe;MaxDD;TaxCost
Chat>In-Person>App>Email>Phone
true
22:00-06:45
64
215
57
50
Brokerage;CreditBureau;OpenBanking
5
Hybrid
AlertAcknowledge
2025-10-13
Success
v1.10.4
NoAutoTradesBelow$1k;NoIlliquids;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0566
Preserver
166,587
1,836,764
84,805
7.4
1
12
US
Medium
NoShortSelling
null
Crypto;LeveragedETFs;PennyStocks
1.1
17.6
6.1
Retirement:15y;Emergency:1y;Healthcare:8y
15
Educational
Deep
Sharpe;TaxCost
Email>App>Phone>In-Person
true
20:30-08:00
73
230
59
63
Brokerage;CreditBureau;OpenBanking
11
Human
Rebalance
2025-07-14
Partial
v1.8.6
NoAutoTradesBelow$1k;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A0567
Preserver
66,568
548,189
39,726
4.2
3
10
US
Low
AccreditedOnly;NoIlliquids
NoWeapons;NoFossilFuel
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1.1
15.7
5.2
Retirement:15y;Emergency:1y;Education:6y
15
Concise
Shallow
TaxCost;MaxDD;Sharpe
Email>App>Chat>Phone
true
22:00-07:00
81
202
77
74
Brokerage;CreditBureau;OpenBanking;Payroll
13
Human
Rebalance
2025-05-28
Success
v1.9.8
NoAutoTradesBelow$1k;NoIlliquids;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A0568
Preserver
120,846
1,608,576
75,372
7.9
2
12
US
Low
null
ESGOnly;NoFossilFuel
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1.1
15.6
8.9
Retirement:15y;Emergency:1y;Healthcare:8y
15
Concise
Shallow
MaxDD;TaxCost
Phone>Email>Chat
false
19:00-06:00
70
173
74
79
Brokerage;CreditBureau;OpenBanking
9
Hybrid
Rebalance
2025-03-15
Success
v1.10.5
NoIlliquids;NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0569
Preserver
109,009
1,198,569
124,888
5.7
1
15
UK
Low
null
NoTobacco
Crypto;LeveragedETFs;PennyStocks
1.2
17.6
7.5
Retirement:15y;Emergency:1y;Healthcare:8y
15
Collaborative
Shallow
MaxDD;TaxCost;Sharpe
App>In-Person>Chat>Phone
false
20:00-08:45
83
163
72
75
Brokerage;OpenBanking;Payroll
7
Hybrid
PlanUpdate
2025-03-13
Success
v1.8.3
LimitOrderOnly;NoAutoTradesBelow$1k;NoIlliquids
Maintain ≥ 12m cash runway and low drawdown
A0570
Explorer
95,581
470,636
41,849
20
2
10
UK
Low
NoDerivatives;NoShortSelling
null
LeveragedETFs;PennyStocks
1.9
21.2
13.8
Business:5y;Travel:2y;Education:6y
5
Educational
Medium
TaxCost;IRR;MaxDD
Email>In-Person>Phone>App
true
22:45-08:00
68
59
67
56
OpenBanking
2
Human
Rebalance
2024-12-31
Partial
v2.8.7
NoAutoTradesBelow$1k;NoIlliquids;NoMargin
Allow small experimental sleeve ≤ 3%
A0571
Explorer
69,034
475,794
21,622
18.6
1
10
IN
Low
NoDerivatives
null
PennyStocks;PrivateCredit
1.9
28.4
13.5
Business:5y;Travel:2y
5
Collaborative
Medium
IRR;Sharpe
App>Chat>Phone>Email>In-Person
true
22:00-06:15
56
69
63
54
CreditBureau;OpenBanking
5
Hybrid
AlertAcknowledge
2025-10-18
Success
v2.8.2
NoAutoTradesBelow$1k;NoPennyStocks
Allow small experimental sleeve ≤ 3%
A0572
Optimizer
107,285
780,861
70,053
11.7
2
15
SG
Low
null
null
PennyStocks
1.9
15.2
10.4
Wealth:10y;Estate:20y;Debt:2y
10
Educational
Deep
IRR;TaxCost
Chat>Email>App>Phone
true
22:30-07:45
62
120
61
56
Brokerage;OpenBanking;Payroll
2
Human
AlertAcknowledge
2025-05-22
Success
v1.9.8
NoAutoTradesBelow$1k;NoIlliquids;StopLossDisabled
Enforce tax budget and position caps
A0573
Explorer
120,425
576,962
19,968
21.7
1
15
DE
Low
AccreditedOnly;NoShortSelling
null
null
1.8
33.3
12.4
Business:5y;Travel:2y;Healthcare:8y
5
Educational
Deep
IRR;MaxDD;TaxCost
In-Person>Email>App>Chat>Phone
true
22:15-08:30
59
50
48
40
OpenBanking;Payroll
5
Hybrid
PlanUpdate
2025-03-14
Success
v2.9.1
LimitOrderOnly;NoAutoTradesBelow$1k;NoMargin
Allow small experimental sleeve ≤ 3%
A0574
Builder
72,938
138,203
11,773
9.2
3
10
US
Low
NoDerivatives
null
PennyStocks;PrivateCredit
1.6
12.9
11.7
Home:3y;Retirement:30y
3
Directive
Medium
Sharpe;IRR
In-Person>Phone>Chat>Email
true
22:15-08:00
67
149
66
57
CreditBureau;OpenBanking
16
null
AutoTransfer
2025-12-19
Success
v1.9.1
NoAutoTradesBelow$1k;StopLossDisabled
Prioritize liquidity and down payment savings
A0575
Stabilizer
123,908
686,820
47,778
7.4
2
12
US
Low
NoShortSelling
null
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1
14.5
5.2
Retirement:15y;Emergency:1y
15
Collaborative
Medium
MaxDD;Sharpe;TaxCost
App>Chat>Phone
true
22:30-07:30
67
161
52
52
CreditBureau;OpenBanking
10
Hybrid
Rebalance
2025-05-14
Failed
v2.9.3
NoMargin
Keep expenses buffer ≥ 4 months
A0576
Stabilizer
110,110
678,334
38,371
6.5
3
15
SG
Low
AccreditedOnly;NoIlliquids
NoTobacco
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1.2
14.1
7.9
Retirement:15y;Emergency:1y;Debt:2y
15
Collaborative
Deep
Sharpe;TaxCost
App>Phone>In-Person>Chat
true
21:00-06:30
68
146
55
54
CreditBureau;OpenBanking
19
Human
Rebalance
2025-08-31
Success
v1.9.2
LimitOrderOnly;NoAutoTradesBelow$1k
Keep expenses buffer ≥ 4 months
A0577
Optimizer
102,514
706,400
44,696
8.8
3
15
CA
Low
null
null
PennyStocks
1.7
22.4
9.5
Wealth:10y;Estate:20y;Healthcare:8y
10
Directive
Shallow
IRR;Sharpe;TaxCost
App>Email>Phone>Chat>In-Person
true
20:45-06:00
75
78
63
51
Brokerage;OpenBanking;Payroll
6
Hybrid
Rebalance
2025-11-09
Success
v2.8.4
NoAutoTradesBelow$1k;PauseWhenVIX>30
Enforce tax budget and position caps
A0578
Preserver
92,336
1,582,819
83,779
6.6
2
10
SG
Medium
NoShortSelling;AccreditedOnly
NoTobacco;ESGOnly
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1.2
14
6.5
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Deep
TaxCost;MaxDD;Sharpe
App>Chat>Phone>Email>In-Person
false
20:30-08:00
61
180
64
67
Brokerage;CreditBureau;OpenBanking;Payroll
10
Human
AutoTransfer
2025-06-25
Success
v2.9.2
NoAutoTradesBelow$1k;NoIlliquids;NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0579
Stabilizer
164,477
660,570
55,135
8.4
2
12
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1
11.2
7.1
Retirement:15y;Emergency:1y
15
Collaborative
Deep
MaxDD;Sharpe;TaxCost
App>In-Person>Chat>Email>Phone
false
22:45-06:15
66
106
66
65
CreditBureau;OpenBanking;Payroll
19
Human
AlertAcknowledge
2025-01-20
Success
v1.10.4
LimitOrderOnly;NoMargin;NoPennyStocks;StopLossDisabled
Keep expenses buffer ≥ 4 months
A0580
Builder
72,125
183,207
8,969
13.3
1
10
US
Low
NoIlliquids;NoDerivatives
NoFossilFuel
null
1.6
23.5
11.3
Home:3y;Retirement:30y;Healthcare:8y
3
Educational
Shallow
MaxDD;Sharpe
App>In-Person>Phone
true
23:45-06:00
66
95
63
58
CreditBureau;OpenBanking
7
null
AutoTransfer
2025-01-29
Success
v1.10.3
NoAutoTradesBelow$1k;NoMargin
Prioritize liquidity and down payment savings
A0581
Stabilizer
53,176
191,372
17,876
7.6
2
10
US
Low
AccreditedOnly;NoDerivatives
NoTobacco;NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.2
15.6
5.9
Retirement:15y;Emergency:1y;Healthcare:8y
15
Educational
Medium
TaxCost;Sharpe
Phone>In-Person>App>Chat
true
20:00-07:30
62
121
65
59
CreditBureau;OpenBanking
5
Human
AutoTransfer
2025-01-10
Success
v1.9.8
NoIlliquids;NoMargin;NoPennyStocks;PauseWhenVIX>30
Keep expenses buffer ≥ 4 months
A0582
Stabilizer
44,177
168,036
21,680
4.8
4
10
US
Medium
NoShortSelling
null
Crypto;LeveragedETFs;PennyStocks
1.2
11.2
6.8
Retirement:15y;Emergency:1y
15
Directive
Deep
MaxDD;Sharpe
Chat>Phone>In-Person>Email>App
true
22:00-07:45
54
159
51
41
CreditBureau;OpenBanking;Payroll
14
Hybrid
Rebalance
2025-08-09
Success
v1.9.8
NoAutoTradesBelow$1k;NoMargin;NoPennyStocks;StopLossDisabled
Keep expenses buffer ≥ 4 months
A0583
Preserver
145,750
2,637,338
107,028
3.6
3
12
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1.1
10.1
6.3
Retirement:15y;Emergency:1y;Healthcare:8y
15
Collaborative
Shallow
MaxDD;Sharpe
In-Person>Phone>App
true
19:30-07:45
82
219
74
74
Brokerage;OpenBanking
12
Human
AutoTransfer
2025-09-27
Success
v1.10.4
PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A0584
Preserver
105,252
939,592
71,881
7.4
2
12
US
Low
NoDerivatives;AccreditedOnly
null
Crypto;LeveragedETFs;PennyStocks
0.9
15.2
7.5
Retirement:15y;Emergency:1y;Healthcare:8y
15
Concise
Medium
MaxDD;TaxCost
In-Person>Chat>App>Phone
false
21:30-08:30
75
235
85
88
Brokerage;OpenBanking;Payroll
10
Human
PlanUpdate
2025-07-25
Failed
v1.10.9
NoIlliquids;NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0585
Builder
46,330
78,652
3,583
9.7
2
10
US
Low
NoShortSelling;AccreditedOnly
null
null
1.6
15.6
10
Home:3y;Retirement:30y;Healthcare:8y
3
Collaborative
Medium
TaxCost;Sharpe
App>Email>In-Person
true
19:15-06:00
66
143
61
49
OpenBanking;Payroll
15
null
Rebalance
2025-05-07
Failed
v2.10.4
LimitOrderOnly;NoMargin
Prioritize liquidity and down payment savings
A0586
Builder
89,640
-95,349
3,229
8.8
2
10
CA
Low
AccreditedOnly;NoDerivatives
null
null
1.7
14.1
7
Home:3y;Retirement:30y;Education:6y
3
Collaborative
Medium
MaxDD;TaxCost;Sharpe
App>Phone>Chat
true
22:00-07:00
70
100
72
69
CreditBureau;OpenBanking
11
null
Rebalance
2025-08-29
Success
v1.9.5
LimitOrderOnly;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0587
Preserver
105,229
519,660
57,972
8
2
12
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
0.9
17.8
8.1
Retirement:15y;Emergency:1y
15
Educational
Deep
MaxDD;TaxCost;Sharpe
In-Person>Email>Phone>App>Chat
false
20:00-08:00
81
152
86
79
Brokerage;OpenBanking;Payroll
14
Human
PlanUpdate
2025-07-08
Success
v1.9.5
LimitOrderOnly;NoAutoTradesBelow$1k;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0588
Stabilizer
36,410
101,027
3,259
6.4
1
10
US
Medium
null
null
Crypto;LeveragedETFs;PennyStocks
1.1
8.2
7.6
Retirement:15y;Emergency:1y;Education:6y
15
Concise
Shallow
TaxCost;Sharpe
In-Person>Chat>Phone>Email
true
21:30-06:45
55
144
45
45
OpenBanking
6
null
Rebalance
2025-08-14
Success
v1.8.5
NoAutoTradesBelow$1k;NoMargin;PauseWhenVIX>30;StopLossDisabled
Keep expenses buffer ≥ 4 months
A0589
Preserver
124,925
1,826,747
138,073
7.1
3
12
US
Medium
null
NoTobacco;ESGOnly
Crypto;LeveragedETFs;PennyStocks
1.1
9.5
7.1
Retirement:15y;Emergency:1y
15
Directive
Medium
Sharpe;MaxDD
Email>App>In-Person>Chat
false
22:00-08:30
67
236
56
57
Brokerage;OpenBanking;Payroll
11
null
AutoTransfer
2025-08-22
Success
v1.10.1
NoIlliquids;NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0590
Optimizer
234,824
1,265,545
115,669
8.9
1
15
UK
High
NoShortSelling;NoIlliquids
null
PennyStocks
1.6
18.4
10.7
Wealth:10y;Estate:20y;Debt:2y
10
Directive
Deep
Sharpe;IRR
Chat>App>Phone>Email
true
23:30-08:15
54
65
40
37
Brokerage;CreditBureau;OpenBanking
2
Human
AlertAcknowledge
2025-03-02
Success
v2.9.9
NoPennyStocks;StopLossDisabled
Enforce tax budget and position caps
A0591
Explorer
209,385
482,584
43,963
19.3
2
15
IN
Medium
null
null
Crypto;PrivateCredit
1.7
28.6
13.9
Business:5y;Travel:2y;Education:6y
5
Collaborative
Shallow
TaxCost;Sharpe
Email>App>Phone>In-Person
false
20:00-07:15
57
51
70
58
OpenBanking
2
Hybrid
Rebalance
2025-12-07
Success
v2.9.3
PauseWhenVIX>30
Allow small experimental sleeve ≤ 3%
A0592
Preserver
100,103
906,474
87,072
3.4
4
12
US
Medium
NoIlliquids;AccreditedOnly
NoTobacco
Crypto;LeveragedETFs;PennyStocks
0.9
17.1
7.8
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Shallow
TaxCost;MaxDD
App>Email>Phone
true
23:15-06:15
72
188
77
72
Brokerage;OpenBanking
8
Hybrid
AlertAcknowledge
2025-03-14
Failed
v2.8.2
LimitOrderOnly;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0593
Optimizer
135,445
2,403,535
65,226
8.7
3
15
CA
Low
NoShortSelling;NoIlliquids
null
LeveragedETFs;PennyStocks
1.6
16.5
12.7
Wealth:10y;Estate:20y;Education:6y
10
Educational
Deep
IRR;MaxDD
App>In-Person>Phone>Email>Chat
true
21:15-07:30
61
111
63
56
Brokerage;CreditBureau;OpenBanking
5
Hybrid
Rebalance
2025-04-15
Success
v2.10.2
LimitOrderOnly;NoAutoTradesBelow$1k;NoMargin
Enforce tax budget and position caps
A0594
Preserver
187,707
1,540,334
98,355
4
4
12
US
Low
AccreditedOnly;NoDerivatives
null
Crypto;LeveragedETFs;PennyStocks
0.9
8.2
5.4
Retirement:15y;Emergency:1y;Education:6y
15
Collaborative
Medium
MaxDD;TaxCost
Chat>In-Person>App
false
22:00-06:45
81
229
69
73
Brokerage;OpenBanking
5
Hybrid
AutoTransfer
2025-01-17
Success
v1.9.7
LimitOrderOnly;NoIlliquids;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0595
Builder
71,390
217,711
8,673
11
1
10
US
Low
NoDerivatives;AccreditedOnly
NoFossilFuel
PennyStocks
1.5
13.9
8
Home:3y;Retirement:30y
3
Collaborative
Deep
IRR;MaxDD;Sharpe
Email>Chat>App
false
20:45-08:00
71
87
81
80
CreditBureau;OpenBanking
20
Human
PlanUpdate
2025-08-04
Success
v2.8.7
LimitOrderOnly;NoIlliquids
Prioritize liquidity and down payment savings
A0596
Explorer
74,899
319,789
23,147
15
4
10
US
Low
NoIlliquids;NoShortSelling
null
PennyStocks
1.8
32.4
14
Business:5y;Travel:2y;Education:6y
5
Concise
Medium
TaxCost;MaxDD
Chat>Email>App>In-Person
true
21:00-07:15
65
73
56
45
CreditBureau;OpenBanking
4
null
Rebalance
2025-07-18
Success
v1.10.7
LimitOrderOnly;NoPennyStocks
Allow small experimental sleeve ≤ 3%
A0597
Preserver
76,707
609,594
71,495
4
4
10
IN
High
null
null
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1
13.4
6.6
Retirement:15y;Emergency:1y;Education:6y
15
Directive
Medium
TaxCost;Sharpe
In-Person>Chat>Phone
true
21:30-06:00
68
166
56
52
Brokerage;OpenBanking
14
Hybrid
AutoTransfer
2025-08-25
Partial
v2.10.4
LimitOrderOnly;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0598
Optimizer
60,042
573,653
37,496
7.6
2
10
UK
Low
NoDerivatives
NoWeapons;NoTobacco
Crypto;LeveragedETFs;PennyStocks
1.5
15.1
11.1
Wealth:10y;Estate:20y;Debt:2y
10
Educational
Deep
TaxCost;Sharpe;MaxDD
In-Person>Phone>Chat>Email>App
true
21:45-06:00
65
78
76
75
Brokerage;CreditBureau;OpenBanking
3
Hybrid
AlertAcknowledge
2025-01-28
Success
v1.10.3
NoPennyStocks;StopLossDisabled
Enforce tax budget and position caps
A0599
Builder
99,778
279,897
10,317
8.9
4
10
US
Low
NoIlliquids
null
null
1.4
14.7
9.6
Home:3y;Retirement:30y;Healthcare:8y
3
Concise
Medium
MaxDD;TaxCost;IRR
Email>In-Person>Phone
false
21:00-07:30
72
149
71
66
CreditBureau;OpenBanking
20
null
AutoTransfer
2025-11-02
Success
v1.8.3
LimitOrderOnly
Prioritize liquidity and down payment savings
A0600
Optimizer
63,781
1,036,220
41,741
8.6
3
10
US
Low
NoShortSelling
null
LeveragedETFs;PennyStocks
1.9
27
11.1
Wealth:10y;Estate:20y;Education:6y
10
Directive
Medium
Sharpe;IRR;MaxDD
Email>Chat>Phone
true
20:45-06:45
70
113
74
67
Brokerage;CreditBureau;OpenBanking
4
null
PlanUpdate
2025-09-29
Success
v2.10.2
NoIlliquids;NoMargin
Enforce tax budget and position caps