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
A0601
Preserver
155,789
1,444,217
123,860
4.9
3
12
US
Medium
null
NoTobacco;NoWeapons
Crypto;LeveragedETFs;PennyStocks
1
13.9
7.9
Retirement:15y;Emergency:1y
15
Concise
Medium
MaxDD;Sharpe
In-Person>Phone>Chat>App
true
23:45-06:30
63
237
60
56
Brokerage;CreditBureau;OpenBanking
5
Hybrid
AutoTransfer
2025-06-26
Success
v1.9.5
LimitOrderOnly;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0602
Builder
46,412
208,000
6,278
9
3
10
US
Low
NoShortSelling
null
null
1.4
13.1
9.8
Home:3y;Retirement:30y;Healthcare:8y
3
Directive
Medium
Sharpe;TaxCost
Email>In-Person>Phone
true
21:15-08:45
63
98
68
62
CreditBureau;OpenBanking
6
null
PlanUpdate
2025-11-06
Success
v2.10.6
NoPennyStocks
Prioritize liquidity and down payment savings
A0603
Preserver
109,764
978,508
60,769
3.7
4
12
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1.2
12.7
5.1
Retirement:15y;Emergency:1y
15
Directive
Medium
Sharpe;MaxDD;TaxCost
Phone>Email>Chat
true
22:45-07:45
76
176
67
64
Brokerage;CreditBureau;OpenBanking;Payroll
9
Hybrid
Rebalance
2025-07-21
Failed
v1.9.6
LimitOrderOnly;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0604
Builder
55,964
144,171
8,149
15.2
1
10
US
High
null
null
null
1.5
12.3
9
Home:3y;Retirement:30y;Healthcare:8y
3
Collaborative
Deep
MaxDD;IRR;TaxCost
App>In-Person>Email>Chat>Phone
true
21:15-07:00
52
123
47
39
OpenBanking
13
Hybrid
AlertAcknowledge
2025-12-26
Failed
v1.8.2
NoIlliquids;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0605
Preserver
157,919
2,642,613
145,833
4.6
3
12
US
Low
null
ESGOnly;NoFossilFuel
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1.1
13.1
8.9
Retirement:15y;Emergency:1y;Healthcare:8y
15
Concise
Shallow
TaxCost;MaxDD;Sharpe
In-Person>Email>App>Chat
true
21:30-07:15
69
171
78
70
Brokerage;OpenBanking
7
Human
AutoTransfer
2025-07-28
Success
v1.10.3
NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0606
Builder
75,764
219,357
16,359
12.7
2
10
US
High
null
ESGOnly;NoFossilFuel
null
1.4
22.9
9.2
Home:3y;Retirement:30y
3
Concise
Medium
MaxDD;Sharpe
Email>Phone>App>In-Person
true
21:45-06:45
58
79
48
38
OpenBanking
18
null
Rebalance
2025-01-01
Success
v1.8.2
PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0607
Stabilizer
166,511
748,050
64,302
4.7
3
12
US
Low
AccreditedOnly
NoWeapons;NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
0.9
8.6
5.3
Retirement:15y;Emergency:1y;Education:6y
15
Directive
Deep
MaxDD;Sharpe
In-Person>Chat>Phone>Email
true
22:45-06:00
60
126
48
40
OpenBanking
9
Hybrid
Rebalance
2025-05-23
Success
v2.10.2
NoIlliquids;NoMargin;NoPennyStocks;PauseWhenVIX>30
Keep expenses buffer ≥ 4 months
A0608
Explorer
40,633
317,245
6,189
16.5
2
10
US
Medium
NoDerivatives
NoTobacco
Crypto;PennyStocks
1.8
20.3
13.6
Business:5y;Travel:2y;Healthcare:8y
5
Concise
Deep
MaxDD;IRR
App>Email>Chat>In-Person
true
20:00-06:45
52
78
45
36
OpenBanking
7
null
PlanUpdate
2025-09-29
Success
v2.10.6
PauseWhenVIX>30
Allow small experimental sleeve ≤ 3%
A0609
Preserver
116,488
1,729,972
86,442
5.3
3
12
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1
11.9
5.4
Retirement:15y;Emergency:1y
15
Concise
Deep
MaxDD;TaxCost
Chat>In-Person>Phone>Email>App
true
20:45-08:15
73
164
74
66
Brokerage;CreditBureau;OpenBanking
14
Hybrid
AlertAcknowledge
2025-03-05
Success
v1.10.9
LimitOrderOnly;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A0610
Builder
67,595
163,687
6,430
9.2
4
10
IN
Low
NoShortSelling
ESGOnly
LeveragedETFs;PennyStocks
1.6
23.9
8.4
Home:3y;Retirement:30y;Debt:2y
3
Directive
Medium
TaxCost;IRR
Email>Chat>Phone
false
19:15-07:15
61
99
62
51
CreditBureau;OpenBanking
6
Hybrid
AutoTransfer
2025-04-29
Success
v2.9.3
NoAutoTradesBelow$1k
Prioritize liquidity and down payment savings
A0611
Stabilizer
82,254
400,053
32,379
5.8
2
10
US
Medium
NoDerivatives
NoWeapons
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
0.9
8.9
7.6
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Deep
Sharpe;TaxCost;MaxDD
In-Person>Email>Phone
true
19:30-07:00
49
159
41
35
CreditBureau;OpenBanking
15
null
AlertAcknowledge
2025-06-24
Partial
v1.9.8
NoIlliquids;NoMargin;StopLossDisabled
Keep expenses buffer ≥ 4 months
A0612
Stabilizer
142,955
419,742
47,024
6.5
3
12
US
Medium
NoShortSelling
NoTobacco
Crypto;LeveragedETFs;PennyStocks
1.1
16.3
8.5
Retirement:15y;Emergency:1y;Healthcare:8y
15
Concise
Deep
MaxDD;Sharpe;TaxCost
Chat>Email>App>Phone>In-Person
true
20:30-07:15
54
125
55
47
CreditBureau;OpenBanking
13
Hybrid
AlertAcknowledge
2025-11-12
Success
v2.10.7
LimitOrderOnly;NoMargin;NoPennyStocks;StopLossDisabled
Keep expenses buffer ≥ 4 months
A0613
Builder
86,111
126,097
8,891
11.1
2
10
US
Low
null
null
LeveragedETFs
1.5
23
10.3
Home:3y;Retirement:30y;Debt:2y
3
Educational
Shallow
Sharpe;IRR;TaxCost
In-Person>Email>Chat>App
true
19:30-07:15
66
125
52
47
CreditBureau;OpenBanking
20
null
Rebalance
2025-10-16
Partial
v1.9.3
LimitOrderOnly
Prioritize liquidity and down payment savings
A0614
Stabilizer
45,163
117,240
12,455
8.2
2
10
AU
Low
NoIlliquids
NoFossilFuel;NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.1
15.5
5.6
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Medium
Sharpe;MaxDD
App>In-Person>Phone
true
22:15-08:15
67
159
64
57
CreditBureau;OpenBanking;Payroll
8
Human
PlanUpdate
2025-10-17
Success
v2.10.9
NoAutoTradesBelow$1k;NoMargin;PauseWhenVIX>30
Keep expenses buffer ≥ 4 months
A0615
Preserver
122,198
1,455,542
60,553
7.5
1
15
CA
Low
null
null
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1.1
9.6
8.7
Retirement:15y;Emergency:1y;Healthcare:8y
15
Educational
Medium
MaxDD;Sharpe;TaxCost
Email>App>In-Person
true
21:15-06:30
70
163
71
63
Brokerage;OpenBanking;Payroll
10
Hybrid
PlanUpdate
2025-09-14
Success
v1.10.9
LimitOrderOnly;NoIlliquids
Maintain ≥ 12m cash runway and low drawdown
A0616
Stabilizer
61,416
98,360
12,996
9
2
10
DE
Medium
null
ESGOnly;NoTobacco
Crypto;LeveragedETFs;PennyStocks
1
15.2
7.7
Retirement:15y;Emergency:1y
15
Educational
Shallow
Sharpe;TaxCost
Email>Phone>App>Chat
true
21:30-08:30
44
158
50
43
OpenBanking
10
Human
AutoTransfer
2025-04-07
Success
v1.9.5
NoAutoTradesBelow$1k
Keep expenses buffer ≥ 4 months
A0617
Explorer
53,476
404,498
16,574
19.3
3
10
US
Low
NoIlliquids
null
Crypto;LeveragedETFs;PennyStocks
1.9
28.1
13.5
Business:5y;Travel:2y
5
Concise
Deep
Sharpe;MaxDD
Phone>Chat>Email>App
true
20:00-08:00
69
51
72
70
CreditBureau;OpenBanking;Payroll
3
null
PlanUpdate
2025-02-10
Partial
v2.10.9
NoPennyStocks;StopLossDisabled
Allow small experimental sleeve ≤ 3%
A0618
Preserver
149,992
621,397
31,944
5.7
1
12
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1.1
13.9
5.9
Retirement:15y;Emergency:1y;Debt:2y
15
Collaborative
Medium
Sharpe;MaxDD;TaxCost
In-Person>Chat>App>Email>Phone
true
22:30-07:30
81
180
86
78
Brokerage;CreditBureau;OpenBanking
12
Hybrid
Rebalance
2025-01-15
Success
v1.8.2
NoIlliquids;NoMargin;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0619
Builder
50,460
192,509
6,926
10.2
3
10
US
High
null
NoTobacco
null
1.7
15.6
7.5
Home:3y;Retirement:30y;Debt:2y
3
Concise
Medium
Sharpe;IRR;TaxCost
Phone>App>In-Person
true
23:00-06:30
55
136
48
44
OpenBanking
15
Hybrid
AutoTransfer
2025-07-14
Success
v1.10.4
LimitOrderOnly;NoIlliquids;NoMargin
Prioritize liquidity and down payment savings
A0620
Builder
55,777
157,858
4,844
10
4
10
US
Low
NoDerivatives;AccreditedOnly
null
null
1.4
15.5
7.7
Home:3y;Retirement:30y
3
Educational
Medium
MaxDD;TaxCost;Sharpe
App>Phone>Chat>Email>In-Person
false
20:45-07:45
62
84
66
54
OpenBanking
11
null
PlanUpdate
2025-09-13
Success
v1.8.8
NoAutoTradesBelow$1k
Prioritize liquidity and down payment savings
A0621
Preserver
100,003
570,397
29,176
5
4
15
UK
Low
null
null
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1.2
9.1
7
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Shallow
MaxDD;TaxCost;Sharpe
Chat>App>Email>In-Person>Phone
true
21:45-07:00
78
215
73
70
Brokerage;OpenBanking
8
Hybrid
Rebalance
2025-01-13
Success
v2.9.1
NoIlliquids;NoMargin;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0622
Builder
101,294
345,675
7,278
10.2
2
15
UK
Low
NoShortSelling
NoFossilFuel
PennyStocks;PrivateCredit
1.5
16.5
8.4
Home:3y;Retirement:30y;Healthcare:8y
3
Collaborative
Shallow
TaxCost;Sharpe
App>Chat>Phone>Email
true
22:30-06:45
59
114
62
60
CreditBureau;OpenBanking
12
null
AutoTransfer
2025-03-25
Partial
v1.10.5
NoAutoTradesBelow$1k;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0623
Preserver
124,571
967,856
49,234
5.3
2
12
US
Low
NoIlliquids;NoShortSelling
null
Crypto;LeveragedETFs;PennyStocks
1.2
11.1
7.4
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Medium
Sharpe;MaxDD;TaxCost
Chat>App>Phone>Email
false
22:45-06:00
75
169
65
65
Brokerage;OpenBanking
6
null
PlanUpdate
2025-09-21
Success
v1.8.3
NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0624
Preserver
89,880
391,205
12,659
5.4
3
10
UK
High
null
null
Crypto;LeveragedETFs;PennyStocks
1.2
16.6
7.2
Retirement:15y;Emergency:1y
15
Educational
Shallow
TaxCost;MaxDD
Email>Chat>In-Person>Phone>App
false
20:00-07:30
61
161
49
47
Brokerage;OpenBanking
4
null
Rebalance
2025-06-16
Success
v2.9.1
LimitOrderOnly;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0625
Preserver
88,532
416,802
56,653
5.1
3
10
US
High
null
null
Crypto;LeveragedETFs;PennyStocks
1
9.8
7.8
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Deep
Sharpe;TaxCost
In-Person>Email>App
false
23:15-07:00
64
129
72
72
Brokerage;OpenBanking
10
Hybrid
Rebalance
2025-09-03
Success
v2.9.3
NoIlliquids;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0626
Stabilizer
44,924
177,752
18,170
4.9
4
10
US
Low
NoIlliquids;AccreditedOnly
null
Crypto;LeveragedETFs;PennyStocks
1.1
12.8
5.4
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Deep
TaxCost;Sharpe;MaxDD
App>Email>In-Person>Phone
false
20:00-06:00
68
102
78
72
OpenBanking
20
Human
PlanUpdate
2025-07-09
Success
v2.9.1
NoPennyStocks
Keep expenses buffer ≥ 4 months
A0627
Builder
47,008
156,685
10,574
8.8
2
10
CA
Low
null
null
Crypto;PennyStocks
1.5
16.4
11.1
Home:3y;Retirement:30y;Debt:2y
3
Educational
Deep
TaxCost;MaxDD;IRR
Phone>Email>App>In-Person
false
20:00-07:15
63
134
69
66
OpenBanking
15
null
PlanUpdate
2025-04-15
Success
v2.8.7
NoPennyStocks
Prioritize liquidity and down payment savings
A0628
Preserver
75,981
700,551
74,088
3.9
4
10
US
Low
null
NoTobacco;NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
1.1
16.1
8
Retirement:15y;Emergency:1y;Debt:2y
15
Collaborative
Medium
TaxCost;Sharpe;MaxDD
Chat>App>Phone
true
23:00-06:30
76
141
63
67
Brokerage;OpenBanking;Payroll
3
Hybrid
AutoTransfer
2025-03-02
Partial
v1.10.8
NoMargin;NoPennyStocks;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0629
Explorer
61,871
222,454
12,526
15.4
4
10
US
Medium
NoIlliquids;NoShortSelling
NoWeapons;NoFossilFuel
null
2
34.7
15.4
Business:5y;Travel:2y;Healthcare:8y
5
Directive
Shallow
Sharpe;MaxDD;IRR
In-Person>Phone>Chat
true
23:15-07:45
48
88
39
27
OpenBanking;Payroll
6
Human
AlertAcknowledge
2025-10-27
Success
v1.9.6
NoIlliquids;NoMargin;PauseWhenVIX>30
Allow small experimental sleeve ≤ 3%
A0630
Preserver
218,535
1,713,933
98,936
6.4
2
15
SG
Medium
AccreditedOnly
ESGOnly;NoTobacco
Crypto;LeveragedETFs;PennyStocks
1
13.4
6.9
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Medium
Sharpe;MaxDD
Email>App>In-Person
true
21:00-06:15
64
205
67
64
Brokerage;CreditBureau;OpenBanking;Payroll
11
Human
PlanUpdate
2025-07-01
Partial
v1.8.6
LimitOrderOnly;NoAutoTradesBelow$1k;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0631
Explorer
48,827
146,433
7,556
21.4
2
10
US
Low
null
null
null
2.1
26.3
13.3
Business:5y;Travel:2y
5
Collaborative
Shallow
MaxDD;Sharpe
App>Phone>Chat
true
21:15-06:00
55
71
51
43
OpenBanking
5
Hybrid
AutoTransfer
2025-10-07
Success
v1.10.5
NoAutoTradesBelow$1k;PauseWhenVIX>30
Allow small experimental sleeve ≤ 3%
A0632
Optimizer
103,993
1,148,549
62,788
10.1
2
12
US
Medium
NoDerivatives;NoIlliquids
NoWeapons
Crypto;PennyStocks
1.6
26.7
11.9
Wealth:10y;Estate:20y;Education:6y
10
Collaborative
Shallow
Sharpe;TaxCost
Email>Chat>In-Person
true
23:30-07:00
64
91
57
53
Brokerage;OpenBanking
3
Hybrid
AutoTransfer
2025-07-22
Success
v2.9.4
LimitOrderOnly;NoMargin
Enforce tax budget and position caps
A0633
Preserver
43,435
208,241
28,301
5
2
10
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1
11.2
8.3
Retirement:15y;Emergency:1y;Healthcare:8y
15
Educational
Medium
Sharpe;TaxCost;MaxDD
Chat>In-Person>Email
true
21:00-07:15
73
180
81
73
Brokerage;CreditBureau;OpenBanking
12
Human
AlertAcknowledge
2025-11-21
Success
v1.8.4
NoMargin;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0634
Stabilizer
94,111
474,796
44,410
7
2
10
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
0.9
9.9
5
Retirement:15y;Emergency:1y;Healthcare:8y
15
Collaborative
Medium
Sharpe;TaxCost;MaxDD
App>Chat>Phone>In-Person
true
23:45-07:15
65
151
70
73
CreditBureau;OpenBanking
14
null
AlertAcknowledge
2025-09-18
Success
v1.8.7
NoMargin;NoPennyStocks
Keep expenses buffer ≥ 4 months
A0635
Preserver
52,523
740,913
46,486
7
2
10
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1.1
10.8
7.5
Retirement:15y;Emergency:1y
15
Concise
Deep
MaxDD;TaxCost;Sharpe
Chat>In-Person>Phone
true
20:15-07:00
74
124
72
73
Brokerage;CreditBureau;OpenBanking
6
Hybrid
Rebalance
2025-12-07
Success
v1.9.4
NoAutoTradesBelow$1k;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0636
Explorer
44,003
170,070
7,553
22.2
1
10
US
Low
NoIlliquids;NoShortSelling
NoFossilFuel
PennyStocks
1.7
21.1
13.4
Business:5y;Travel:2y;Education:6y
5
Collaborative
Shallow
MaxDD;TaxCost
In-Person>Chat>Email>Phone>App
true
22:30-06:45
56
78
51
43
OpenBanking
7
Hybrid
Rebalance
2025-07-10
Success
v1.10.4
NoAutoTradesBelow$1k
Allow small experimental sleeve ≤ 3%
A0637
Builder
105,773
425,435
12,462
9.7
2
12
US
Medium
null
null
null
1.7
15.2
7.8
Home:3y;Retirement:30y;Education:6y
3
Educational
Medium
Sharpe;TaxCost;IRR
Email>In-Person>Phone>App
true
23:45-08:30
63
63
55
45
OpenBanking;Payroll
8
Hybrid
PlanUpdate
2025-09-22
Success
v1.9.1
LimitOrderOnly;NoIlliquids;NoPennyStocks
Prioritize liquidity and down payment savings
A0638
Optimizer
42,088
812,573
20,037
9.5
1
10
UK
Low
NoDerivatives
ESGOnly
Crypto;LeveragedETFs;PennyStocks
1.5
22.3
12.6
Wealth:10y;Estate:20y;Healthcare:8y
10
Educational
Shallow
IRR;TaxCost
In-Person>App>Email>Phone
true
19:00-06:30
61
105
72
60
Brokerage;CreditBureau;OpenBanking
6
null
AlertAcknowledge
2025-03-04
Success
v1.9.4
LimitOrderOnly;NoMargin;StopLossDisabled
Enforce tax budget and position caps
A0639
Preserver
102,576
914,956
35,693
5.3
3
12
US
Low
NoShortSelling;AccreditedOnly
ESGOnly;NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.1
12.5
7.2
Retirement:15y;Emergency:1y;Education:6y
15
Collaborative
Medium
TaxCost;Sharpe;MaxDD
Chat>Phone>App>Email
false
22:45-08:45
78
126
69
73
Brokerage;OpenBanking
13
Human
AlertAcknowledge
2025-02-10
Success
v2.8.2
NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0640
Stabilizer
102,374
420,882
19,103
6.1
3
12
US
Low
null
NoTobacco;NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.1
16.2
8.7
Retirement:15y;Emergency:1y
15
Educational
Medium
Sharpe;TaxCost;MaxDD
Chat>App>In-Person>Email
false
19:15-08:30
58
147
60
55
CreditBureau;OpenBanking
11
Hybrid
AutoTransfer
2025-11-12
Success
v2.8.7
NoIlliquids;NoMargin;PauseWhenVIX>30;StopLossDisabled
Keep expenses buffer ≥ 4 months
A0641
Optimizer
258,518
1,912,719
192,665
8.1
3
15
IN
Medium
null
null
Crypto;PennyStocks
1.9
18.5
13.9
Wealth:10y;Estate:20y;Healthcare:8y
10
Collaborative
Medium
IRR;TaxCost;MaxDD
Phone>In-Person>App>Email>Chat
false
21:45-06:30
70
105
65
64
Brokerage;CreditBureau;OpenBanking
4
Hybrid
AlertAcknowledge
2025-01-01
Success
v1.9.9
NoAutoTradesBelow$1k
Enforce tax budget and position caps
A0642
Stabilizer
49,690
254,396
10,277
6.4
2
10
US
Low
null
NoWeapons;ESGOnly
Crypto;LeveragedETFs;PennyStocks
1
15.6
8.2
Retirement:15y;Emergency:1y
15
Collaborative
Medium
MaxDD;TaxCost
Email>App>In-Person>Phone
true
19:30-06:00
56
164
61
57
CreditBureau;OpenBanking
19
null
Rebalance
2025-04-03
Partial
v2.9.7
NoMargin;NoPennyStocks;PauseWhenVIX>30;StopLossDisabled
Keep expenses buffer ≥ 4 months
A0643
Builder
49,970
196,187
9,158
9.4
2
10
US
Medium
NoIlliquids;NoShortSelling
null
null
1.6
12.6
7.8
Home:3y;Retirement:30y;Healthcare:8y
3
Collaborative
Shallow
Sharpe;MaxDD;IRR
Phone>Chat>App
false
19:15-08:00
56
102
63
59
OpenBanking
10
Hybrid
AlertAcknowledge
2025-02-03
Failed
v1.10.1
NoIlliquids;NoPennyStocks;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0644
Stabilizer
156,039
452,857
27,156
8.7
2
15
IN
Low
AccreditedOnly;NoIlliquids
null
Crypto;LeveragedETFs;PennyStocks
1.2
14
6.3
Retirement:15y;Emergency:1y;Debt:2y
15
Collaborative
Medium
MaxDD;Sharpe
Email>Phone>Chat>App
true
19:00-08:00
62
139
53
48
CreditBureau;OpenBanking
11
Human
Rebalance
2025-01-23
Partial
v2.8.1
LimitOrderOnly;StopLossDisabled
Keep expenses buffer ≥ 4 months
A0645
Explorer
65,429
514,662
21,170
15.3
3
10
US
Medium
null
NoFossilFuel
null
2.1
31.3
15.9
Business:5y;Travel:2y;Healthcare:8y
5
Concise
Medium
TaxCost;MaxDD;IRR
Phone>In-Person>Chat>App>Email
true
23:15-06:30
61
89
71
71
CreditBureau;OpenBanking
3
null
AlertAcknowledge
2025-07-10
Failed
v1.9.1
NoMargin
Allow small experimental sleeve ≤ 3%
A0646
Explorer
47,509
390,049
13,522
16.3
3
10
US
Low
null
null
Crypto;PrivateCredit
1.9
24.5
14.7
Business:5y;Travel:2y;Healthcare:8y
5
Directive
Shallow
MaxDD;Sharpe;IRR
Chat>In-Person>Email
true
23:30-08:30
61
49
66
54
OpenBanking
5
Hybrid
AlertAcknowledge
2025-05-19
Success
v1.8.5
LimitOrderOnly;NoAutoTradesBelow$1k;NoPennyStocks
Allow small experimental sleeve ≤ 3%
A0647
Explorer
47,912
348,583
14,592
14.5
3
10
UK
Low
NoIlliquids
null
LeveragedETFs;PennyStocks
2.1
29.1
14.4
Business:5y;Travel:2y;Education:6y
5
Directive
Medium
TaxCost;IRR;MaxDD
Phone>Email>Chat
false
21:30-07:30
70
47
57
57
OpenBanking
3
Human
AutoTransfer
2025-08-06
Partial
v1.8.1
StopLossDisabled
Allow small experimental sleeve ≤ 3%
A0648
Preserver
66,901
694,422
38,137
4.8
4
10
US
Low
null
NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.1
8.6
6.2
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Medium
TaxCost;MaxDD;Sharpe
App>Email>In-Person>Phone
false
19:45-08:30
69
210
65
55
Brokerage;CreditBureau;OpenBanking
10
null
Rebalance
2025-08-31
Success
v1.10.9
LimitOrderOnly;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0649
Preserver
82,795
301,151
31,735
5.2
3
10
SG
Low
NoShortSelling
null
Crypto;LeveragedETFs;PennyStocks
1
10.1
8.4
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Medium
TaxCost;MaxDD
In-Person>Email>Phone
true
21:45-08:45
69
208
59
53
Brokerage;OpenBanking
10
Hybrid
PlanUpdate
2025-01-02
Success
v2.8.2
NoAutoTradesBelow$1k;PauseWhenVIX>30;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0650
Stabilizer
115,503
248,861
26,948
8.5
2
12
US
Medium
NoDerivatives;NoIlliquids
ESGOnly;NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
0.9
14.7
5.3
Retirement:15y;Emergency:1y
15
Collaborative
Medium
TaxCost;Sharpe
In-Person>Email>App>Chat
true
22:30-06:30
58
156
53
47
OpenBanking
11
null
Rebalance
2025-08-05
Failed
v1.9.6
NoIlliquids;NoPennyStocks
Keep expenses buffer ≥ 4 months
A0651
Preserver
140,801
2,556,003
95,661
5.2
3
12
US
Low
null
NoWeapons;ESGOnly
Crypto;LeveragedETFs;PennyStocks
1.1
12.1
7.1
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Shallow
Sharpe;TaxCost;MaxDD
In-Person>Phone>Chat
true
21:00-07:45
82
239
92
93
Brokerage;CreditBureau;OpenBanking;Payroll
10
Hybrid
Rebalance
2025-07-22
Success
v2.10.8
NoAutoTradesBelow$1k;NoIlliquids;NoMargin;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A0652
Optimizer
67,027
864,989
33,760
10.2
3
10
CA
Low
NoDerivatives;NoIlliquids
ESGOnly;NoTobacco
PennyStocks
1.7
22.9
13
Wealth:10y;Estate:20y;Healthcare:8y
10
Educational
Medium
IRR;TaxCost;Sharpe
Chat>Email>Phone>In-Person>App
true
19:00-06:30
66
74
69
63
Brokerage;CreditBureau;OpenBanking
3
Hybrid
AutoTransfer
2025-08-17
Success
v1.10.8
NoIlliquids;StopLossDisabled
Enforce tax budget and position caps
A0653
Optimizer
134,227
1,364,957
47,802
10.5
2
12
US
Medium
NoIlliquids;AccreditedOnly
NoWeapons
PennyStocks
1.5
17.7
12.4
Wealth:10y;Estate:20y;Debt:2y
10
Directive
Medium
TaxCost;Sharpe;IRR
Chat>In-Person>Email>App
true
19:00-07:45
70
63
74
65
Brokerage;OpenBanking
6
null
PlanUpdate
2025-09-19
Failed
v2.10.4
NoAutoTradesBelow$1k;NoPennyStocks;StopLossDisabled
Enforce tax budget and position caps
A0654
Stabilizer
61,765
328,100
19,261
9.3
2
10
AU
Low
AccreditedOnly;NoDerivatives
null
Crypto;LeveragedETFs;PennyStocks
0.9
17.1
8.8
Retirement:15y;Emergency:1y
15
Educational
Shallow
MaxDD;Sharpe
App>Email>Phone
false
20:45-07:45
55
118
46
46
CreditBureau;OpenBanking
6
Human
AlertAcknowledge
2025-02-14
Success
v2.10.8
NoMargin;NoPennyStocks;PauseWhenVIX>30;StopLossDisabled
Keep expenses buffer ≥ 4 months
A0655
Explorer
94,098
302,178
16,688
20.9
1
10
CA
Low
NoIlliquids
null
null
2
29.3
17.2
Business:5y;Travel:2y
5
Educational
Medium
MaxDD;TaxCost
Phone>App>Chat>In-Person
false
23:00-08:45
66
75
65
53
CreditBureau;OpenBanking
1
null
Rebalance
2025-09-29
Partial
v2.10.2
NoIlliquids;NoPennyStocks;PauseWhenVIX>30
Allow small experimental sleeve ≤ 3%
A0656
Optimizer
111,504
675,114
38,818
10.8
2
12
US
Low
AccreditedOnly;NoIlliquids
null
LeveragedETFs;PennyStocks;PrivateCredit
1.6
18.5
10.2
Wealth:10y;Estate:20y
10
Concise
Shallow
MaxDD;TaxCost
Chat>App>Phone>In-Person
true
22:30-07:00
69
109
55
55
Brokerage;OpenBanking
6
Hybrid
AlertAcknowledge
2025-02-11
Success
v2.9.3
StopLossDisabled
Enforce tax budget and position caps
A0657
Builder
78,212
114,974
10,024
8.6
3
10
IN
Low
NoDerivatives
NoWeapons
Crypto
1.8
23.5
10
Home:3y;Retirement:30y;Debt:2y
3
Directive
Medium
TaxCost;Sharpe
App>Email>In-Person>Chat
false
20:30-07:15
60
64
59
55
CreditBureau;OpenBanking
12
null
Rebalance
2025-01-08
Success
v1.10.1
NoAutoTradesBelow$1k;NoMargin;NoPennyStocks
Prioritize liquidity and down payment savings
A0658
Stabilizer
68,417
435,817
29,607
8.2
2
10
IN
Low
null
null
Crypto;LeveragedETFs;PennyStocks
0.9
8.5
8.9
Retirement:15y;Emergency:1y;Education:6y
15
Concise
Medium
TaxCost;Sharpe;MaxDD
App>Email>In-Person
true
21:00-07:45
59
146
50
39
CreditBureau;OpenBanking
20
Human
AutoTransfer
2025-05-27
Success
v2.8.5
NoAutoTradesBelow$1k;NoMargin
Keep expenses buffer ≥ 4 months
A0659
Builder
24,730
105,080
4,515
14.4
1
10
US
Low
null
null
Crypto
1.4
22.9
8.6
Home:3y;Retirement:30y;Debt:2y
3
Educational
Medium
IRR;TaxCost
Email>Phone>In-Person>Chat
true
23:00-06:15
57
131
59
56
CreditBureau;OpenBanking;Payroll
13
Human
Rebalance
2025-02-14
Success
v1.8.6
NoPennyStocks
Prioritize liquidity and down payment savings
A0660
Preserver
100,589
374,889
49,159
4
4
12
US
High
AccreditedOnly;NoShortSelling
ESGOnly;NoTobacco
Crypto;LeveragedETFs;PennyStocks
1.1
9
6.8
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Deep
Sharpe;TaxCost;MaxDD
App>In-Person>Chat>Email
false
19:30-06:15
58
126
60
56
Brokerage;CreditBureau;OpenBanking
7
Hybrid
AutoTransfer
2025-01-07
Partial
v1.9.6
NoPennyStocks;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0661
Preserver
59,355
495,044
50,227
8.8
1
10
US
Low
NoDerivatives
null
Crypto;LeveragedETFs;PennyStocks
1
10
8.6
Retirement:15y;Emergency:1y
15
Directive
Deep
MaxDD;TaxCost
Chat>Phone>Email>App
true
23:00-06:15
70
155
58
63
Brokerage;OpenBanking
4
Hybrid
AlertAcknowledge
2025-05-17
Success
v2.10.1
LimitOrderOnly;NoAutoTradesBelow$1k;NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0662
Optimizer
175,179
1,299,906
65,519
7.9
4
12
US
High
null
ESGOnly
PennyStocks
1.7
27.1
11.1
Wealth:10y;Estate:20y;Education:6y
10
Educational
Deep
Sharpe;MaxDD;IRR
Email>App>In-Person>Phone
true
21:45-08:45
58
72
58
57
Brokerage;OpenBanking
6
Human
AutoTransfer
2025-05-04
Success
v2.9.2
NoMargin;PauseWhenVIX>30;StopLossDisabled
Enforce tax budget and position caps
A0663
Optimizer
85,826
1,104,445
41,507
8
3
10
IN
High
null
NoWeapons
PennyStocks
1.6
27.5
11.8
Wealth:10y;Estate:20y;Debt:2y
10
Collaborative
Medium
TaxCost;IRR
In-Person>Chat>App>Phone
true
22:30-06:45
61
72
56
46
Brokerage;CreditBureau;OpenBanking
3
Hybrid
PlanUpdate
2025-02-25
Success
v1.8.4
LimitOrderOnly;NoIlliquids;NoMargin
Enforce tax budget and position caps
A0664
Explorer
50,399
92,122
13,091
13.7
4
10
UK
Low
NoIlliquids
ESGOnly;NoWeapons
Crypto;PennyStocks
2
29.9
16.9
Business:5y;Travel:2y;Debt:2y
5
Concise
Medium
Sharpe;TaxCost
In-Person>App>Chat
true
19:00-07:00
55
53
68
61
CreditBureau;OpenBanking
1
null
AutoTransfer
2025-08-13
Success
v2.9.8
NoAutoTradesBelow$1k;NoIlliquids;StopLossDisabled
Allow small experimental sleeve ≤ 3%
A0665
Explorer
65,906
255,282
20,197
17.3
4
10
DE
Medium
NoShortSelling;NoIlliquids
null
LeveragedETFs;PrivateCredit
2.1
27.6
14.9
Business:5y;Travel:2y;Education:6y
5
Educational
Deep
Sharpe;TaxCost
Email>In-Person>Phone>Chat>App
true
22:45-08:15
59
84
60
48
CreditBureau;OpenBanking
1
null
AlertAcknowledge
2025-08-05
Success
v2.10.1
LimitOrderOnly;NoAutoTradesBelow$1k
Allow small experimental sleeve ≤ 3%
A0666
Builder
85,819
361,336
10,464
10.1
3
10
US
Medium
null
null
null
1.5
24.7
10
Home:3y;Retirement:30y;Education:6y
3
Collaborative
Medium
Sharpe;IRR;TaxCost
Phone>Chat>App>Email
false
22:15-06:45
59
68
54
46
OpenBanking
19
Human
AutoTransfer
2025-01-27
Success
v1.10.3
NoIlliquids;NoMargin;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0667
Explorer
61,304
157,417
12,347
20.1
2
10
AU
Low
AccreditedOnly;NoDerivatives
NoWeapons;ESGOnly
Crypto;PennyStocks
1.9
24.5
14.6
Business:5y;Travel:2y;Debt:2y
5
Educational
Medium
MaxDD;Sharpe;TaxCost
In-Person>App>Phone>Chat>Email
true
21:15-08:00
68
65
72
64
CreditBureau;OpenBanking
2
Human
AutoTransfer
2025-01-10
Success
v1.10.6
NoPennyStocks;StopLossDisabled
Allow small experimental sleeve ≤ 3%
A0668
Builder
138,549
610,461
24,210
9.8
1
15
UK
High
NoDerivatives;NoIlliquids
NoFossilFuel
Crypto;PrivateCredit
1.5
19.8
8
Home:3y;Retirement:30y;Education:6y
3
Collaborative
Medium
Sharpe;IRR
In-Person>Email>Chat
false
20:15-06:15
61
121
57
49
CreditBureau;OpenBanking;Payroll
11
null
AlertAcknowledge
2025-02-15
Success
v1.10.1
LimitOrderOnly;StopLossDisabled
Prioritize liquidity and down payment savings
A0669
Builder
138,963
829,590
40,171
15.4
1
12
US
Low
NoIlliquids
NoWeapons;NoTobacco
null
1.6
19
7.5
Home:3y;Retirement:30y;Healthcare:8y
3
Educational
Deep
Sharpe;IRR
Phone>Chat>Email
false
21:45-06:30
71
86
62
53
OpenBanking
11
Hybrid
Rebalance
2025-01-23
Partial
v1.8.4
NoAutoTradesBelow$1k;StopLossDisabled
Prioritize liquidity and down payment savings
A0670
Builder
143,194
302,686
29,400
14
1
12
US
Low
NoDerivatives
null
LeveragedETFs;PrivateCredit
1.5
20.3
10.5
Home:3y;Retirement:30y;Healthcare:8y
3
Concise
Shallow
TaxCost;IRR
Email>In-Person>Chat>App>Phone
false
22:30-07:15
65
137
59
48
CreditBureau;OpenBanking
16
null
Rebalance
2025-09-28
Partial
v2.10.7
NoMargin;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0671
Stabilizer
66,276
570,930
30,016
8.6
1
10
DE
Low
NoShortSelling;NoDerivatives
null
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1
9.9
6.1
Retirement:15y;Emergency:1y;Healthcare:8y
15
Concise
Medium
Sharpe;MaxDD;TaxCost
Email>Phone>In-Person>Chat
true
20:15-06:45
57
140
55
52
CreditBureau;OpenBanking;Payroll
9
Human
Rebalance
2025-10-24
Success
v2.9.2
LimitOrderOnly;StopLossDisabled
Keep expenses buffer ≥ 4 months
A0672
Optimizer
57,470
476,842
18,312
12.2
1
10
US
Low
null
NoWeapons;ESGOnly
PennyStocks
1.5
26.6
11.1
Wealth:10y;Estate:20y;Debt:2y
10
Educational
Deep
Sharpe;TaxCost;IRR
In-Person>App>Phone>Email
false
20:30-06:45
62
100
60
59
Brokerage;CreditBureau;OpenBanking
3
Human
AlertAcknowledge
2025-04-09
Partial
v1.9.8
NoIlliquids;NoPennyStocks
Enforce tax budget and position caps
A0673
Preserver
160,818
2,441,672
159,609
5.2
2
12
US
High
null
null
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
0.9
8.9
8.1
Retirement:15y;Emergency:1y
15
Collaborative
Medium
Sharpe;MaxDD
App>Email>In-Person>Chat
false
20:45-07:45
58
140
45
45
Brokerage;OpenBanking;Payroll
10
Human
AlertAcknowledge
2025-02-23
Success
v2.10.5
NoAutoTradesBelow$1k;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0674
Preserver
83,571
930,093
87,144
8.8
1
10
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1.2
16.8
7.9
Retirement:15y;Emergency:1y;Education:6y
15
Collaborative
Shallow
Sharpe;MaxDD
Chat>Phone>Email
true
22:15-07:30
75
149
65
61
Brokerage;OpenBanking;Payroll
6
null
PlanUpdate
2025-06-16
Success
v1.9.8
NoIlliquids;NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0675
Stabilizer
74,312
331,360
22,714
5.4
3
10
AU
Low
null
NoTobacco
Crypto;LeveragedETFs;PennyStocks
1.1
8.1
7.3
Retirement:15y;Emergency:1y;Healthcare:8y
15
Collaborative
Medium
Sharpe;TaxCost
In-Person>Phone>App
true
20:30-07:30
57
110
64
59
CreditBureau;OpenBanking;Payroll
11
null
AutoTransfer
2025-05-05
Partial
v1.10.2
NoMargin;PauseWhenVIX>30;StopLossDisabled
Keep expenses buffer ≥ 4 months
A0676
Preserver
126,922
749,666
91,962
6.6
2
12
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1
13.3
7.8
Retirement:15y;Emergency:1y;Education:6y
15
Concise
Medium
MaxDD;Sharpe
Email>Chat>In-Person>App>Phone
true
19:30-07:00
75
138
82
75
Brokerage;CreditBureau;OpenBanking
14
Human
AutoTransfer
2025-01-21
Success
v2.10.3
LimitOrderOnly;NoAutoTradesBelow$1k;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0677
Optimizer
54,056
456,778
27,847
6.5
4
10
US
Low
NoShortSelling;NoDerivatives
NoTobacco
LeveragedETFs;PennyStocks;PrivateCredit
1.8
19.8
10.6
Wealth:10y;Estate:20y;Debt:2y
10
Collaborative
Medium
IRR;TaxCost;Sharpe
Phone>Email>Chat>App
true
23:45-07:45
74
99
79
68
Brokerage;OpenBanking
6
Hybrid
Rebalance
2025-08-19
Success
v2.9.6
NoIlliquids;NoMargin
Enforce tax budget and position caps
A0678
Optimizer
272,273
3,816,265
174,341
5.8
4
12
US
Low
null
NoWeapons
PennyStocks
1.8
15.9
11.3
Wealth:10y;Estate:20y;Education:6y
10
Directive
Medium
IRR;MaxDD;TaxCost
Email>In-Person>App>Chat>Phone
false
20:30-07:00
70
109
71
61
Brokerage;CreditBureau;OpenBanking
4
Human
AutoTransfer
2025-10-29
Failed
v1.9.9
StopLossDisabled
Enforce tax budget and position caps
A0679
Optimizer
186,741
3,407,138
136,576
9.9
2
12
US
Low
NoIlliquids;NoShortSelling
null
LeveragedETFs;PennyStocks;PrivateCredit
1.8
23.2
9.3
Wealth:10y;Estate:20y
10
Collaborative
Shallow
Sharpe;IRR
Email>Chat>In-Person>Phone
true
22:45-07:15
66
119
72
64
Brokerage;CreditBureau;OpenBanking;Payroll
7
Hybrid
Rebalance
2024-12-26
Failed
v1.9.4
NoPennyStocks;PauseWhenVIX>30;StopLossDisabled
Enforce tax budget and position caps
A0680
Stabilizer
84,791
210,838
28,169
5.7
4
10
US
Medium
AccreditedOnly;NoDerivatives
null
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1.2
13.8
6.2
Retirement:15y;Emergency:1y
15
Collaborative
Shallow
TaxCost;Sharpe
Phone>App>In-Person
false
21:45-06:45
52
174
52
49
OpenBanking;Payroll
15
null
AutoTransfer
2025-07-11
Success
v1.10.4
LimitOrderOnly;NoMargin
Keep expenses buffer ≥ 4 months
A0681
Explorer
98,805
226,250
15,973
21
2
10
US
Medium
NoIlliquids;NoShortSelling
null
Crypto
1.6
24.5
17.6
Business:5y;Travel:2y;Healthcare:8y
5
Educational
Shallow
IRR;Sharpe
Email>Phone>Chat>App
true
21:30-08:15
63
52
63
61
OpenBanking
1
null
AlertAcknowledge
2025-04-11
Partial
v2.9.5
NoPennyStocks
Allow small experimental sleeve ≤ 3%
A0682
Explorer
85,018
-197,164
6,363
14.5
3
10
CA
Low
NoDerivatives;NoShortSelling
ESGOnly
PennyStocks;PrivateCredit
1.9
31.3
13.6
Business:5y;Travel:2y;Healthcare:8y
5
Educational
Medium
IRR;Sharpe;TaxCost
In-Person>Chat>App>Phone>Email
true
23:00-07:15
55
68
56
56
OpenBanking;Payroll
7
Human
AlertAcknowledge
2025-07-20
Failed
v2.8.3
NoIlliquids;NoPennyStocks
Allow small experimental sleeve ≤ 3%
A0683
Optimizer
127,824
810,353
74,451
8.4
1
12
US
Medium
null
NoWeapons
PennyStocks
1.7
16.5
10
Wealth:10y;Estate:20y;Healthcare:8y
10
Educational
Medium
TaxCost;IRR;MaxDD
Phone>In-Person>App>Email
true
19:30-07:45
62
60
57
53
Brokerage;OpenBanking
6
Hybrid
AlertAcknowledge
2025-01-29
Partial
v1.10.1
LimitOrderOnly;NoMargin
Enforce tax budget and position caps
A0684
Stabilizer
64,262
672,082
35,417
6.8
3
10
US
Low
null
NoTobacco;ESGOnly
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1.2
17.8
6.3
Retirement:15y;Emergency:1y
15
Collaborative
Deep
MaxDD;Sharpe;TaxCost
In-Person>Phone>Chat
true
23:45-07:15
59
136
60
61
OpenBanking
12
Human
Rebalance
2025-02-14
Success
v2.9.7
LimitOrderOnly;NoIlliquids;NoMargin;StopLossDisabled
Keep expenses buffer ≥ 4 months
A0685
Preserver
73,448
182,632
12,424
7.3
1
10
US
Medium
null
NoTobacco;ESGOnly
Crypto;LeveragedETFs;PennyStocks
1.2
15.4
7.4
Retirement:15y;Emergency:1y
15
Educational
Medium
TaxCost;Sharpe;MaxDD
Phone>App>Email>Chat
true
22:30-06:30
75
227
82
80
Brokerage;CreditBureau;OpenBanking
13
null
PlanUpdate
2025-05-22
Success
v2.10.5
NoIlliquids;NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0686
Optimizer
139,191
1,655,014
90,186
10.4
1
15
AU
Low
AccreditedOnly;NoShortSelling
null
LeveragedETFs;PennyStocks;PrivateCredit
1.9
17.9
10.9
Wealth:10y;Estate:20y;Debt:2y
10
Educational
Medium
MaxDD;IRR;TaxCost
In-Person>App>Email>Chat>Phone
true
20:00-06:00
71
82
74
70
Brokerage;OpenBanking
1
Human
Rebalance
2025-04-21
Success
v1.8.1
NoMargin
Enforce tax budget and position caps
A0687
Explorer
77,850
244,658
13,778
19.1
2
10
US
Medium
null
null
null
2
31
16.2
Business:5y;Travel:2y
5
Directive
Shallow
MaxDD;IRR
In-Person>Phone>Email>Chat>App
false
20:00-07:45
50
76
44
34
CreditBureau;OpenBanking
6
null
PlanUpdate
2025-07-10
Failed
v2.9.4
NoIlliquids;PauseWhenVIX>30;StopLossDisabled
Allow small experimental sleeve ≤ 3%
A0688
Optimizer
207,233
999,129
98,379
8
4
15
SG
Low
NoDerivatives
null
LeveragedETFs;PennyStocks
1.8
18.8
13.5
Wealth:10y;Estate:20y;Education:6y
10
Collaborative
Deep
TaxCost;MaxDD;Sharpe
Email>In-Person>Phone>App>Chat
false
22:45-06:00
71
68
75
67
Brokerage;CreditBureau;OpenBanking
3
Hybrid
Rebalance
2025-11-15
Success
v1.9.2
LimitOrderOnly;NoAutoTradesBelow$1k;NoPennyStocks
Enforce tax budget and position caps
A0689
Builder
72,424
308,211
9,598
13.8
2
10
US
Medium
null
null
Crypto;PennyStocks
1.4
12.9
10.1
Home:3y;Retirement:30y;Debt:2y
3
Educational
Shallow
TaxCost;MaxDD
Chat>In-Person>App
true
21:00-06:30
59
73
52
45
CreditBureau;OpenBanking
6
null
PlanUpdate
2025-02-28
Failed
v2.8.6
NoPennyStocks
Prioritize liquidity and down payment savings
A0690
Optimizer
78,700
1,223,402
52,390
8.5
1
10
US
Medium
NoDerivatives;AccreditedOnly
null
PennyStocks
1.5
18.6
10.1
Wealth:10y;Estate:20y;Education:6y
10
Educational
Medium
MaxDD;Sharpe;IRR
Chat>In-Person>Email>Phone
true
22:45-07:30
53
88
46
45
Brokerage;OpenBanking
6
null
Rebalance
2025-07-31
Failed
v1.9.1
NoPennyStocks;StopLossDisabled
Enforce tax budget and position caps
A0691
Builder
32,555
135,474
4,757
9.6
3
10
DE
Low
null
null
null
1.6
18.2
7.1
Home:3y;Retirement:30y;Healthcare:8y
3
Educational
Medium
TaxCost;MaxDD;Sharpe
Chat>App>Phone>Email>In-Person
true
21:30-07:00
66
82
73
69
CreditBureau;OpenBanking
15
null
AlertAcknowledge
2025-11-26
Success
v1.10.6
LimitOrderOnly
Prioritize liquidity and down payment savings
A0692
Optimizer
113,121
690,863
60,321
10.5
1
15
UK
Medium
null
NoTobacco;ESGOnly
PennyStocks
1.5
21.6
11.7
Wealth:10y;Estate:20y;Healthcare:8y
10
Concise
Medium
IRR;MaxDD;TaxCost
Chat>In-Person>App>Email>Phone
true
20:00-06:00
58
92
73
61
Brokerage;CreditBureau;OpenBanking;Payroll
4
Human
AutoTransfer
2025-02-23
Success
v1.9.1
StopLossDisabled
Enforce tax budget and position caps
A0693
Preserver
97,637
650,789
21,714
4.8
4
10
US
Low
NoShortSelling;NoDerivatives
null
Crypto;LeveragedETFs;PennyStocks
1.2
14.5
6.2
Retirement:15y;Emergency:1y
15
Educational
Shallow
MaxDD;TaxCost
In-Person>Email>App
true
21:15-07:45
78
126
88
92
Brokerage;OpenBanking
10
Human
Rebalance
2024-12-26
Success
v2.9.5
NoIlliquids;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0694
Stabilizer
70,178
741,981
37,550
8.1
1
10
US
Medium
null
NoWeapons
Crypto;LeveragedETFs;PennyStocks
1
12.6
7
Retirement:15y;Emergency:1y
15
Directive
Shallow
Sharpe;MaxDD;TaxCost
App>Chat>Email
true
20:15-07:45
59
132
67
65
CreditBureau;OpenBanking
19
Hybrid
Rebalance
2025-10-08
Failed
v2.10.1
NoAutoTradesBelow$1k;NoIlliquids;NoMargin;PauseWhenVIX>30
Keep expenses buffer ≥ 4 months
A0695
Builder
33,232
123,428
3,693
14.5
1
10
IN
Medium
NoShortSelling;NoDerivatives
ESGOnly;NoTobacco
null
1.5
24.6
10.1
Home:3y;Retirement:30y
3
Collaborative
Deep
MaxDD;Sharpe;TaxCost
Phone>App>In-Person>Email
true
21:00-06:15
54
92
50
49
CreditBureau;OpenBanking
16
null
Rebalance
2025-12-15
Partial
v2.8.7
LimitOrderOnly;NoMargin
Prioritize liquidity and down payment savings
A0696
Optimizer
206,330
1,974,206
133,809
11.3
1
12
US
Low
null
NoWeapons;ESGOnly
PennyStocks
1.5
16.5
11.8
Wealth:10y;Estate:20y;Debt:2y
10
Concise
Deep
TaxCost;MaxDD;IRR
Email>App>Chat>Phone
true
20:30-07:15
70
101
80
73
Brokerage;OpenBanking
6
Hybrid
AutoTransfer
2025-01-26
Success
v2.9.4
LimitOrderOnly
Enforce tax budget and position caps
A0697
Preserver
151,607
1,140,600
35,347
5.9
1
15
UK
Medium
AccreditedOnly;NoDerivatives
NoTobacco;NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.1
9.2
5.4
Retirement:15y;Emergency:1y;Healthcare:8y
15
Collaborative
Medium
Sharpe;TaxCost;MaxDD
App>Phone>Chat>In-Person>Email
true
21:45-08:30
71
154
56
48
Brokerage;OpenBanking
14
Hybrid
AlertAcknowledge
2025-10-04
Partial
v1.10.6
PauseWhenVIX>30;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0698
Preserver
71,017
879,052
35,334
7
2
10
US
Medium
null
null
Crypto;LeveragedETFs;PennyStocks
0.9
16.2
7.1
Retirement:15y;Emergency:1y;Healthcare:8y
15
Concise
Shallow
Sharpe;MaxDD;TaxCost
Chat>App>Phone
true
23:30-08:45
66
133
58
50
Brokerage;CreditBureau;OpenBanking;Payroll
13
null
Rebalance
2025-09-01
Partial
v1.9.2
NoIlliquids;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0699
Preserver
136,269
1,279,066
97,231
5.6
1
12
US
Low
NoDerivatives
NoTobacco;NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.2
14.1
6.7
Retirement:15y;Emergency:1y
15
Collaborative
Deep
MaxDD;Sharpe
Chat>Phone>In-Person>App>Email
true
22:15-06:45
74
212
70
61
Brokerage;OpenBanking
4
Human
AutoTransfer
2025-01-12
Failed
v2.9.1
NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0700
Stabilizer
109,118
363,478
29,860
8.5
2
12
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1
8.7
6.7
Retirement:15y;Emergency:1y;Healthcare:8y
15
Collaborative
Medium
Sharpe;TaxCost;MaxDD
Email>App>In-Person>Phone
true
19:00-08:00
61
144
53
55
OpenBanking;Payroll
20
Human
AutoTransfer
2025-10-03
Success
v1.10.3
NoAutoTradesBelow$1k;NoIlliquids;NoPennyStocks
Keep expenses buffer ≥ 4 months