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
A0701
Preserver
100,245
1,174,255
51,459
5.1
4
12
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1
14.9
6.8
Retirement:15y;Emergency:1y
15
Concise
Shallow
Sharpe;MaxDD
In-Person>Email>Phone>App>Chat
true
21:15-08:00
79
164
66
62
Brokerage;CreditBureau;OpenBanking
12
Hybrid
Rebalance
2025-08-24
Success
v2.9.4
NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0702
Builder
43,181
130,209
9,555
9.9
1
10
US
High
NoIlliquids;NoDerivatives
NoFossilFuel
Crypto;LeveragedETFs
1.7
12.5
9.5
Home:3y;Retirement:30y;Education:6y
3
Educational
Shallow
TaxCost;IRR;Sharpe
Chat>Email>In-Person>App
true
19:15-06:30
55
64
48
36
CreditBureau;OpenBanking
12
null
PlanUpdate
2025-04-29
Success
v2.9.2
NoMargin
Prioritize liquidity and down payment savings
A0703
Builder
136,765
346,864
15,335
13
2
12
US
High
null
null
null
1.6
13.3
7.9
Home:3y;Retirement:30y;Education:6y
3
Educational
Medium
TaxCost;MaxDD;Sharpe
Email>Chat>App>Phone>In-Person
true
22:45-08:00
46
123
54
54
OpenBanking
14
Hybrid
AlertAcknowledge
2025-08-26
Success
v1.9.6
NoIlliquids;NoMargin;StopLossDisabled
Prioritize liquidity and down payment savings
A0704
Preserver
114,963
942,998
95,226
6.6
3
12
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1.2
13.9
7.2
Retirement:15y;Emergency:1y
15
Collaborative
Shallow
MaxDD;Sharpe
In-Person>App>Chat>Phone>Email
true
22:30-07:00
71
152
62
55
Brokerage;OpenBanking
5
Hybrid
AlertAcknowledge
2025-12-04
Success
v1.10.9
NoMargin;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0705
Preserver
89,284
591,695
78,519
5.3
3
10
US
Low
AccreditedOnly;NoDerivatives
NoTobacco;NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
1.1
12.7
7.8
Retirement:15y;Emergency:1y;Debt:2y
15
Concise
Medium
Sharpe;TaxCost
Email>App>Chat
true
20:30-08:15
69
207
79
77
Brokerage;CreditBureau;OpenBanking
3
Human
PlanUpdate
2025-12-23
Partial
v2.9.4
NoIlliquids;NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0706
Builder
93,693
3,224
1,000
11.5
4
10
US
Low
null
NoFossilFuel;ESGOnly
LeveragedETFs
1.4
17.7
11.6
Home:3y;Retirement:30y;Education:6y
3
Collaborative
Medium
IRR;TaxCost
Email>In-Person>Chat>App>Phone
true
23:30-07:30
61
144
66
57
CreditBureau;OpenBanking
7
Hybrid
AlertAcknowledge
2025-06-27
Failed
v2.8.1
LimitOrderOnly;NoMargin;StopLossDisabled
Prioritize liquidity and down payment savings
A0707
Builder
137,309
136,242
15,839
13.9
2
12
US
Low
null
null
PrivateCredit
1.6
17.6
11.7
Home:3y;Retirement:30y;Healthcare:8y
3
Educational
Medium
TaxCost;IRR
Email>App>Chat
false
20:00-08:30
63
70
52
40
CreditBureau;OpenBanking
11
null
PlanUpdate
2025-04-29
Success
v1.10.3
NoMargin;PauseWhenVIX>30;StopLossDisabled
Prioritize liquidity and down payment savings
A0708
Builder
52,906
171,175
12,597
8.4
3
10
SG
Low
NoShortSelling
null
PrivateCredit
1.4
20
7.3
Home:3y;Retirement:30y
3
Directive
Shallow
TaxCost;MaxDD
Phone>Chat>In-Person>Email
false
22:45-07:15
65
143
63
58
CreditBureau;OpenBanking;Payroll
11
Hybrid
Rebalance
2025-11-28
Failed
v1.9.5
StopLossDisabled
Prioritize liquidity and down payment savings
A0709
Optimizer
170,367
2,015,680
77,724
7.3
2
15
DE
Low
NoShortSelling
ESGOnly
PennyStocks
1.5
26.7
13.2
Wealth:10y;Estate:20y;Healthcare:8y
10
Educational
Medium
TaxCost;IRR;MaxDD
In-Person>Email>App>Phone>Chat
true
19:00-06:30
73
82
82
71
Brokerage;CreditBureau;OpenBanking
1
Hybrid
AutoTransfer
2025-09-25
Success
v2.10.2
LimitOrderOnly;PauseWhenVIX>30;StopLossDisabled
Enforce tax budget and position caps
A0710
Preserver
214,757
1,575,978
151,729
7.6
2
12
US
Medium
null
null
Crypto;LeveragedETFs;PennyStocks
1
16.8
5.9
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Medium
Sharpe;MaxDD;TaxCost
App>Email>Phone>In-Person>Chat
true
19:15-07:00
70
188
60
56
Brokerage;CreditBureau;OpenBanking;Payroll
8
Hybrid
AutoTransfer
2025-08-20
Success
v1.8.9
NoAutoTradesBelow$1k;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0711
Preserver
63,156
1,120,301
54,092
4.3
4
10
SG
Low
null
NoWeapons;NoTobacco
Crypto;LeveragedETFs;PennyStocks
1.1
17.2
8.9
Retirement:15y;Emergency:1y
15
Directive
Shallow
MaxDD;Sharpe
Email>App>Phone>In-Person>Chat
true
21:30-06:30
74
157
79
83
Brokerage;OpenBanking
3
Hybrid
Rebalance
2025-12-26
Success
v1.10.1
NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0712
Preserver
79,244
268,467
35,550
5.4
2
10
US
Medium
null
null
Crypto;LeveragedETFs;PennyStocks
1.1
11.3
8.3
Retirement:15y;Emergency:1y
15
Educational
Medium
MaxDD;TaxCost
Email>Phone>Chat>App
true
23:00-08:15
65
236
55
45
Brokerage;OpenBanking;Payroll
6
Hybrid
AutoTransfer
2025-02-15
Success
v2.9.4
LimitOrderOnly;NoAutoTradesBelow$1k;NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0713
Builder
50,562
75,754
5,111
9
4
10
US
Low
NoShortSelling;NoDerivatives
null
PrivateCredit
1.7
12.5
7.6
Home:3y;Retirement:30y;Healthcare:8y
3
Concise
Medium
IRR;TaxCost
Email>In-Person>Phone>App>Chat
true
21:00-08:45
63
122
53
52
OpenBanking;Payroll
13
Hybrid
PlanUpdate
2025-07-27
Partial
v1.10.1
LimitOrderOnly;NoAutoTradesBelow$1k;NoIlliquids
Prioritize liquidity and down payment savings
A0714
Optimizer
111,394
1,363,252
79,117
7.7
3
12
US
Medium
NoShortSelling;NoIlliquids
null
PennyStocks
1.6
16.2
12.6
Wealth:10y;Estate:20y
10
Educational
Deep
MaxDD;TaxCost
Email>App>In-Person
true
23:45-08:15
63
85
76
68
Brokerage;CreditBureau;OpenBanking
1
Hybrid
Rebalance
2025-10-07
Success
v1.10.9
NoAutoTradesBelow$1k;NoIlliquids;PauseWhenVIX>30
Enforce tax budget and position caps
A0715
Builder
60,205
137,032
8,273
13.8
1
10
US
Low
null
null
LeveragedETFs;PennyStocks
1.4
13.1
9.6
Home:3y;Retirement:30y;Education:6y
3
Collaborative
Medium
Sharpe;TaxCost
App>In-Person>Email>Chat
true
21:45-08:30
62
89
50
47
CreditBureau;OpenBanking;Payroll
12
Hybrid
Rebalance
2025-10-13
Failed
v2.9.5
NoIlliquids;NoPennyStocks;StopLossDisabled
Prioritize liquidity and down payment savings
A0716
Builder
75,762
312,336
15,038
13.5
2
10
CA
Low
null
NoFossilFuel;ESGOnly
Crypto;PennyStocks
1.7
16.1
8.7
Home:3y;Retirement:30y;Debt:2y
3
Collaborative
Deep
MaxDD;IRR;TaxCost
Chat>Email>Phone>In-Person>App
true
20:15-08:15
60
78
70
68
OpenBanking
13
Human
Rebalance
2025-11-18
Partial
v2.8.5
NoAutoTradesBelow$1k;NoIlliquids;StopLossDisabled
Prioritize liquidity and down payment savings
A0717
Stabilizer
51,815
129,820
5,606
6.2
3
10
SG
Low
AccreditedOnly
NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.2
10.9
6.8
Retirement:15y;Emergency:1y;Healthcare:8y
15
Directive
Medium
MaxDD;Sharpe;TaxCost
Phone>In-Person>Email>App
true
21:45-07:45
60
115
62
57
OpenBanking;Payroll
20
Hybrid
PlanUpdate
2025-07-30
Success
v1.8.6
LimitOrderOnly;NoMargin
Keep expenses buffer ≥ 4 months
A0718
Optimizer
88,315
843,617
41,449
11.1
1
10
IN
Medium
null
null
PennyStocks
1.7
20.5
13.3
Wealth:10y;Estate:20y
10
Educational
Medium
Sharpe;TaxCost;IRR
Email>In-Person>App>Chat
true
22:30-08:15
57
65
56
52
Brokerage;OpenBanking;Payroll
6
Human
PlanUpdate
2025-09-24
Success
v2.9.5
NoAutoTradesBelow$1k;NoIlliquids
Enforce tax budget and position caps
A0719
Preserver
111,359
1,670,185
73,427
6.5
2
12
US
Low
NoShortSelling;NoIlliquids
null
Crypto;LeveragedETFs;PennyStocks
1.1
17.8
6.7
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Medium
TaxCost;Sharpe;MaxDD
In-Person>Email>Chat>App
true
19:45-08:30
67
164
71
76
Brokerage;OpenBanking
4
null
PlanUpdate
2025-06-08
Partial
v1.9.1
LimitOrderOnly;NoIlliquids;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0720
Preserver
105,026
970,779
107,647
5.4
4
15
DE
Low
AccreditedOnly
ESGOnly
Crypto;LeveragedETFs;PennyStocks
1
16.4
7.3
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Medium
MaxDD;Sharpe;TaxCost
Phone>Chat>Email>App>In-Person
true
20:45-06:15
74
205
67
60
Brokerage;OpenBanking;Payroll
3
null
PlanUpdate
2025-11-26
Success
v1.10.3
NoPennyStocks;PauseWhenVIX>30;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0721
Explorer
98,060
635,728
37,444
20
4
10
US
Low
null
NoWeapons;ESGOnly
PennyStocks
1.9
28.3
16.8
Business:5y;Travel:2y;Education:6y
5
Concise
Medium
MaxDD;TaxCost;IRR
Phone>Chat>In-Person
false
22:30-06:45
61
88
63
53
CreditBureau;OpenBanking
3
Hybrid
PlanUpdate
2024-12-27
Success
v2.8.7
LimitOrderOnly;NoAutoTradesBelow$1k;StopLossDisabled
Allow small experimental sleeve ≤ 3%
A0722
Explorer
79,555
147,326
4,576
15.1
2
10
SG
Medium
NoShortSelling
NoFossilFuel;NoWeapons
Crypto;PennyStocks
2.2
26.7
12.9
Business:5y;Travel:2y;Debt:2y
5
Collaborative
Medium
MaxDD;TaxCost;Sharpe
Phone>Email>In-Person
false
23:30-06:00
59
55
66
66
CreditBureau;OpenBanking
6
Human
AlertAcknowledge
2025-04-29
Success
v2.10.8
LimitOrderOnly;NoIlliquids;StopLossDisabled
Allow small experimental sleeve ≤ 3%
A0723
Stabilizer
101,131
938,439
36,368
6.5
4
15
UK
Low
null
NoWeapons;NoTobacco
Crypto;LeveragedETFs;PennyStocks
1
15.7
5.4
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Deep
TaxCost;MaxDD;Sharpe
Chat>App>In-Person>Phone>Email
false
19:00-08:15
65
141
51
45
OpenBanking
13
Human
Rebalance
2025-03-30
Partial
v2.9.1
NoAutoTradesBelow$1k;NoMargin
Keep expenses buffer ≥ 4 months
A0724
Stabilizer
45,250
145,129
15,156
7.5
4
10
SG
Low
null
null
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1
10.4
6.9
Retirement:15y;Emergency:1y;Debt:2y
15
Concise
Deep
MaxDD;TaxCost;Sharpe
Chat>Phone>In-Person
false
22:15-08:00
67
112
72
73
OpenBanking;Payroll
10
null
AutoTransfer
2025-09-25
Success
v2.10.6
PauseWhenVIX>30
Keep expenses buffer ≥ 4 months
A0725
Optimizer
99,537
594,203
34,994
8.2
3
10
IN
Medium
null
ESGOnly;NoFossilFuel
PennyStocks
1.7
23.6
13
Wealth:10y;Estate:20y;Debt:2y
10
Collaborative
Shallow
TaxCost;Sharpe
App>Chat>In-Person>Email>Phone
true
21:00-06:15
61
105
60
48
Brokerage;CreditBureau;OpenBanking;Payroll
6
Hybrid
AlertAcknowledge
2025-09-02
Success
v2.10.9
LimitOrderOnly
Enforce tax budget and position caps
A0726
Builder
152,020
476,117
25,510
8.6
4
12
US
Low
NoIlliquids;AccreditedOnly
null
null
1.7
15.3
8.6
Home:3y;Retirement:30y;Healthcare:8y
3
Concise
Deep
IRR;TaxCost;MaxDD
App>In-Person>Phone
false
20:15-07:45
66
77
51
50
OpenBanking
6
null
Rebalance
2025-07-29
Success
v1.10.6
LimitOrderOnly;NoPennyStocks;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0727
Explorer
78,939
337,320
39,418
15.1
2
10
US
Low
null
NoTobacco;ESGOnly
Crypto;PrivateCredit
1.7
26.9
15.6
Business:5y;Travel:2y;Education:6y
5
Educational
Shallow
MaxDD;IRR;Sharpe
Email>Phone>App>In-Person>Chat
false
22:00-08:00
61
90
61
57
CreditBureau;OpenBanking
3
Hybrid
PlanUpdate
2025-01-16
Partial
v1.10.3
NoIlliquids;StopLossDisabled
Allow small experimental sleeve ≤ 3%
A0728
Builder
92,626
260,708
11,121
11.6
3
10
UK
Low
AccreditedOnly;NoIlliquids
NoFossilFuel;NoTobacco
Crypto
1.6
19.9
10.7
Home:3y;Retirement:30y;Debt:2y
3
Collaborative
Medium
TaxCost;Sharpe;MaxDD
Chat>App>Phone
false
23:15-08:00
71
144
72
65
OpenBanking
7
null
Rebalance
2025-07-12
Success
v2.9.7
NoAutoTradesBelow$1k;NoPennyStocks
Prioritize liquidity and down payment savings
A0729
Stabilizer
82,006
269,204
11,253
6.2
3
10
US
Low
null
NoWeapons
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1.2
9.3
5.2
Retirement:15y;Emergency:1y
15
Collaborative
Medium
Sharpe;MaxDD;TaxCost
Email>In-Person>App>Phone>Chat
false
23:00-06:30
52
104
55
60
CreditBureau;OpenBanking
9
Hybrid
Rebalance
2025-07-14
Success
v1.8.1
LimitOrderOnly;NoMargin;NoPennyStocks;StopLossDisabled
Keep expenses buffer ≥ 4 months
A0730
Preserver
117,024
379,784
19,141
4.3
4
12
US
Low
AccreditedOnly;NoIlliquids
NoTobacco
Crypto;LeveragedETFs;PennyStocks
1
11.3
7
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Deep
Sharpe;MaxDD;TaxCost
Chat>In-Person>Phone
true
20:30-06:15
77
220
85
89
Brokerage;CreditBureau;OpenBanking
11
Human
PlanUpdate
2025-05-22
Success
v1.9.1
NoIlliquids;NoMargin;PauseWhenVIX>30;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0731
Optimizer
107,424
688,285
51,664
9.2
1
15
SG
Medium
null
NoTobacco
PennyStocks
1.8
18.5
11
Wealth:10y;Estate:20y;Healthcare:8y
10
Educational
Deep
Sharpe;TaxCost
In-Person>App>Email>Phone>Chat
false
20:15-06:45
68
99
66
61
Brokerage;OpenBanking;Payroll
4
Hybrid
Rebalance
2025-05-30
Success
v1.10.8
LimitOrderOnly;NoPennyStocks;StopLossDisabled
Enforce tax budget and position caps
A0732
Preserver
411,939
2,150,479
205,022
9
1
12
US
Low
AccreditedOnly;NoShortSelling
NoTobacco
Crypto;LeveragedETFs;PennyStocks
1.2
13.1
5.7
Retirement:15y;Emergency:1y
15
Educational
Medium
MaxDD;Sharpe;TaxCost
In-Person>Email>Phone
false
21:00-06:15
72
173
66
58
Brokerage;OpenBanking;Payroll
6
Hybrid
AlertAcknowledge
2025-06-13
Success
v1.10.6
PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A0733
Stabilizer
61,920
332,561
22,179
7.1
2
10
US
Medium
AccreditedOnly
NoFossilFuel;NoTobacco
Crypto;LeveragedETFs;PennyStocks
0.9
16.4
7.5
Retirement:15y;Emergency:1y;Debt:2y
15
Collaborative
Medium
TaxCost;Sharpe;MaxDD
App>Phone>Chat>In-Person
true
20:45-06:00
55
173
43
36
CreditBureau;OpenBanking
15
null
Rebalance
2025-02-28
Partial
v1.8.4
NoAutoTradesBelow$1k;NoMargin
Keep expenses buffer ≥ 4 months
A0734
Builder
65,039
103,323
10,176
9.7
1
10
US
Low
NoShortSelling
null
LeveragedETFs
1.7
18.7
8.9
Home:3y;Retirement:30y;Education:6y
3
Collaborative
Shallow
MaxDD;Sharpe
Email>Phone>In-Person
true
19:30-07:15
62
105
62
54
CreditBureau;OpenBanking;Payroll
8
Hybrid
PlanUpdate
2025-06-10
Success
v1.8.5
LimitOrderOnly;NoIlliquids;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0735
Stabilizer
26,411
85,537
7,683
9.9
1
10
US
Low
null
NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.2
11.2
6.2
Retirement:15y;Emergency:1y;Healthcare:8y
15
Directive
Medium
MaxDD;TaxCost;Sharpe
Chat>App>In-Person
true
19:00-08:15
58
104
43
38
CreditBureau;OpenBanking
11
null
Rebalance
2025-06-19
Partial
v1.8.8
NoMargin;PauseWhenVIX>30
Keep expenses buffer ≥ 4 months
A0736
Stabilizer
116,381
782,130
31,064
10.2
1
12
US
Low
null
NoTobacco
Crypto;LeveragedETFs;PennyStocks
1
11.7
5.4
Retirement:15y;Emergency:1y
15
Collaborative
Medium
MaxDD;TaxCost;Sharpe
In-Person>Email>Phone
false
21:15-08:15
66
110
55
46
CreditBureau;OpenBanking
17
null
Rebalance
2025-09-03
Success
v2.10.8
LimitOrderOnly;NoIlliquids;NoMargin;NoPennyStocks
Keep expenses buffer ≥ 4 months
A0737
Preserver
79,149
543,510
22,148
6.1
2
10
DE
Low
AccreditedOnly;NoShortSelling
NoTobacco
Crypto;LeveragedETFs;PennyStocks
1.2
12.3
8.3
Retirement:15y;Emergency:1y;Debt:2y
15
Collaborative
Medium
TaxCost;Sharpe
Phone>In-Person>Email
true
21:15-07:00
69
194
54
53
Brokerage;OpenBanking
5
null
AutoTransfer
2025-09-09
Success
v1.8.8
NoMargin;NoPennyStocks;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A0738
Explorer
64,385
457,995
21,126
21.3
1
10
US
Low
NoIlliquids;NoShortSelling
NoFossilFuel
null
1.8
20.1
12.3
Business:5y;Travel:2y;Debt:2y
5
Concise
Deep
Sharpe;MaxDD
App>Phone>Chat
true
19:45-07:30
56
69
55
54
CreditBureau;OpenBanking
3
Human
AlertAcknowledge
2025-12-23
Failed
v2.9.2
LimitOrderOnly
Allow small experimental sleeve ≤ 3%
A0739
Preserver
79,920
930,521
83,480
5.8
1
10
US
Low
NoIlliquids
ESGOnly
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
0.9
8.4
7.4
Retirement:15y;Emergency:1y;Healthcare:8y
15
Concise
Medium
MaxDD;Sharpe
In-Person>App>Email>Chat>Phone
false
20:30-07:15
70
195
62
52
Brokerage;CreditBureau;OpenBanking;Payroll
11
null
Rebalance
2025-04-19
Partial
v2.10.6
LimitOrderOnly;NoIlliquids;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0740
Optimizer
112,494
1,055,376
60,839
7.9
3
12
US
Medium
NoShortSelling;NoDerivatives
ESGOnly
PennyStocks
1.8
27.9
10.5
Wealth:10y;Estate:20y;Debt:2y
10
Collaborative
Medium
MaxDD;Sharpe
In-Person>App>Phone>Chat>Email
true
23:45-06:45
69
62
68
57
Brokerage;CreditBureau;OpenBanking
5
Human
AutoTransfer
2025-05-15
Success
v1.10.8
NoMargin;NoPennyStocks;StopLossDisabled
Enforce tax budget and position caps
A0741
Builder
58,226
268,572
12,112
10.4
4
10
US
Low
null
null
null
1.7
14.3
9.4
Home:3y;Retirement:30y;Healthcare:8y
3
Directive
Shallow
TaxCost;IRR
Phone>In-Person>Email
false
23:15-07:45
58
67
62
51
OpenBanking;Payroll
6
Hybrid
Rebalance
2025-04-08
Success
v1.9.2
StopLossDisabled
Prioritize liquidity and down payment savings
A0742
Stabilizer
71,820
423,101
23,676
5.6
4
10
SG
Medium
null
null
Crypto;LeveragedETFs;PennyStocks
1.1
16.4
5.8
Retirement:15y;Emergency:1y;Debt:2y
15
Collaborative
Medium
Sharpe;TaxCost
Chat>Email>Phone>App>In-Person
true
21:15-06:30
58
98
54
50
OpenBanking;Payroll
13
null
AutoTransfer
2025-04-11
Success
v1.9.4
NoAutoTradesBelow$1k;NoIlliquids;PauseWhenVIX>30
Keep expenses buffer ≥ 4 months
A0743
Preserver
96,652
797,367
56,481
5.7
1
10
CA
Low
NoShortSelling
NoFossilFuel;ESGOnly
Crypto;LeveragedETFs;PennyStocks
1.1
15.2
7.1
Retirement:15y;Emergency:1y;Education:6y
15
Collaborative
Shallow
Sharpe;TaxCost;MaxDD
Email>Chat>Phone
true
21:15-07:00
69
172
69
61
Brokerage;CreditBureau;OpenBanking;Payroll
12
Hybrid
AlertAcknowledge
2025-04-28
Success
v2.8.7
NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0744
Preserver
92,810
1,356,460
52,056
5.4
4
10
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1
13
6.6
Retirement:15y;Emergency:1y;Healthcare:8y
15
Concise
Shallow
Sharpe;MaxDD
In-Person>App>Email>Chat
true
19:15-08:45
82
229
73
71
Brokerage;CreditBureau;OpenBanking;Payroll
9
Human
AlertAcknowledge
2025-08-07
Success
v1.9.6
NoMargin;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A0745
Builder
61,356
294,265
17,716
12.3
3
10
IN
Medium
NoShortSelling;NoIlliquids
null
Crypto;PrivateCredit
1.7
19.1
9.5
Home:3y;Retirement:30y;Healthcare:8y
3
Concise
Deep
MaxDD;IRR;TaxCost
Chat>In-Person>App>Phone>Email
true
19:15-08:15
63
92
58
50
OpenBanking;Payroll
8
Human
AutoTransfer
2025-09-03
Success
v1.8.7
NoMargin;NoPennyStocks
Prioritize liquidity and down payment savings
A0746
Stabilizer
126,700
397,430
13,480
6.5
3
15
SG
Low
null
null
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1.2
14
8
Retirement:15y;Emergency:1y;Debt:2y
15
Collaborative
Medium
Sharpe;MaxDD;TaxCost
App>Phone>Chat>In-Person>Email
true
20:00-07:30
64
107
54
60
CreditBureau;OpenBanking
14
null
AutoTransfer
2025-06-22
Success
v2.9.5
NoPennyStocks
Keep expenses buffer ≥ 4 months
A0747
Stabilizer
105,894
738,861
29,427
8.6
2
12
US
Low
NoDerivatives
null
Crypto;LeveragedETFs;PennyStocks
1.1
17.7
5.2
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Medium
Sharpe;TaxCost;MaxDD
Chat>App>Phone>In-Person>Email
true
19:00-06:30
60
156
52
47
OpenBanking;Payroll
7
null
Rebalance
2025-04-28
Failed
v1.10.7
LimitOrderOnly;NoAutoTradesBelow$1k
Keep expenses buffer ≥ 4 months
A0748
Preserver
140,783
1,005,425
110,120
4.1
4
12
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1.2
16.6
6.2
Retirement:15y;Emergency:1y;Debt:2y
15
Directive
Medium
TaxCost;MaxDD;Sharpe
Chat>In-Person>Phone>Email
false
21:00-06:15
74
222
64
61
Brokerage;OpenBanking
11
null
Rebalance
2025-09-17
Partial
v2.9.4
NoIlliquids;NoMargin;PauseWhenVIX>30;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0749
Explorer
47,590
223,768
15,767
13.9
2
10
US
Low
AccreditedOnly;NoShortSelling
NoWeapons;NoTobacco
LeveragedETFs;PennyStocks
1.8
24.7
16.5
Business:5y;Travel:2y;Education:6y
5
Educational
Medium
TaxCost;IRR;MaxDD
Chat>In-Person>Email>App>Phone
false
22:00-07:45
70
50
84
80
OpenBanking;Payroll
5
null
AutoTransfer
2025-12-24
Success
v1.9.8
NoAutoTradesBelow$1k
Allow small experimental sleeve ≤ 3%
A0750
Preserver
163,199
1,559,517
66,139
4.1
3
12
US
Low
NoIlliquids
NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
1.1
17.6
5.1
Retirement:15y;Emergency:1y
15
Concise
Medium
MaxDD;TaxCost
Phone>App>In-Person>Email>Chat
true
20:30-07:15
69
184
74
75
Brokerage;CreditBureau;OpenBanking
9
Hybrid
AutoTransfer
2025-11-06
Failed
v1.9.9
NoAutoTradesBelow$1k;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0751
Stabilizer
117,628
540,798
57,709
6.9
1
12
US
Medium
null
ESGOnly;NoWeapons
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1.1
11.6
8.4
Retirement:15y;Emergency:1y;Debt:2y
15
Collaborative
Shallow
MaxDD;TaxCost;Sharpe
In-Person>Email>App>Chat
false
19:00-07:30
60
150
54
50
OpenBanking;Payroll
5
Human
Rebalance
2025-01-29
Success
v2.9.9
NoAutoTradesBelow$1k;NoMargin
Keep expenses buffer ≥ 4 months
A0752
Preserver
79,113
801,609
40,013
5.9
1
10
US
Low
NoDerivatives;NoShortSelling
null
Crypto;LeveragedETFs;PennyStocks
1.2
10.8
8.3
Retirement:15y;Emergency:1y
15
Directive
Medium
TaxCost;Sharpe;MaxDD
Chat>In-Person>Email>App
false
23:00-06:30
74
133
79
71
Brokerage;OpenBanking
7
null
PlanUpdate
2025-08-23
Success
v1.8.6
NoPennyStocks;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0753
Explorer
131,364
410,203
23,559
21
1
12
US
Low
NoShortSelling
null
PrivateCredit
1.7
34.3
13.1
Business:5y;Travel:2y
5
Collaborative
Shallow
TaxCost;Sharpe
Phone>Chat>In-Person>App>Email
true
22:15-07:15
62
69
55
45
OpenBanking
5
Hybrid
AutoTransfer
2025-02-08
Partial
v1.9.7
LimitOrderOnly;NoIlliquids;NoMargin
Allow small experimental sleeve ≤ 3%
A0754
Builder
48,656
-43,739
6,538
12.2
3
10
US
High
NoShortSelling;NoDerivatives
NoTobacco
null
1.8
16.9
11.2
Home:3y;Retirement:30y
3
Collaborative
Deep
MaxDD;Sharpe
Chat>Phone>App>Email
true
21:00-07:00
49
80
58
50
OpenBanking
17
Human
Rebalance
2025-01-22
Success
v2.10.3
LimitOrderOnly;PauseWhenVIX>30;StopLossDisabled
Prioritize liquidity and down payment savings
A0755
Stabilizer
33,736
110,006
6,695
6.3
3
10
US
Low
null
NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
1.1
10.2
5.1
Retirement:15y;Emergency:1y;Healthcare:8y
15
Directive
Medium
MaxDD;TaxCost
Chat>In-Person>App>Email
true
21:15-07:45
68
99
71
73
OpenBanking
14
Human
PlanUpdate
2025-01-13
Success
v2.10.8
NoMargin;NoPennyStocks;PauseWhenVIX>30
Keep expenses buffer ≥ 4 months
A0756
Builder
108,628
277,714
20,611
7.6
4
15
CA
Medium
NoShortSelling;NoIlliquids
null
null
1.6
25
7.4
Home:3y;Retirement:30y;Education:6y
3
Collaborative
Medium
IRR;TaxCost
App>Chat>Phone>In-Person>Email
true
20:15-08:00
55
71
42
41
OpenBanking;Payroll
15
Human
PlanUpdate
2025-03-02
Success
v1.8.5
NoAutoTradesBelow$1k;NoIlliquids;NoPennyStocks
Prioritize liquidity and down payment savings
A0757
Optimizer
113,577
1,313,360
72,681
8.5
3
12
US
Low
NoDerivatives
ESGOnly;NoTobacco
PennyStocks
1.8
27.7
11.2
Wealth:10y;Estate:20y;Healthcare:8y
10
Collaborative
Medium
IRR;Sharpe
Chat>In-Person>Email
true
20:45-07:45
61
107
71
66
Brokerage;CreditBureau;OpenBanking;Payroll
6
null
PlanUpdate
2025-01-24
Success
v1.9.3
LimitOrderOnly
Enforce tax budget and position caps
A0758
Stabilizer
110,228
242,514
7,315
5.5
4
12
US
Low
NoIlliquids
NoWeapons;NoTobacco
Crypto;LeveragedETFs;PennyStocks
1
8.5
7.9
Retirement:15y;Emergency:1y;Education:6y
15
Collaborative
Medium
TaxCost;Sharpe;MaxDD
Chat>App>Phone>Email
false
20:00-06:00
66
135
51
51
OpenBanking
18
null
Rebalance
2025-12-13
Success
v1.9.7
NoAutoTradesBelow$1k;NoMargin;NoPennyStocks;PauseWhenVIX>30
Keep expenses buffer ≥ 4 months
A0759
Stabilizer
53,275
174,760
23,357
9
1
10
US
Low
null
ESGOnly
Crypto;LeveragedETFs;PennyStocks
1
16.9
8.4
Retirement:15y;Emergency:1y;Education:6y
15
Collaborative
Shallow
MaxDD;TaxCost
App>In-Person>Phone
false
22:00-08:45
56
167
49
40
CreditBureau;OpenBanking;Payroll
10
Human
AutoTransfer
2025-08-11
Success
v2.9.1
LimitOrderOnly
Keep expenses buffer ≥ 4 months
A0760
Builder
37,504
84,642
7,328
10.7
2
10
US
Low
AccreditedOnly;NoShortSelling
null
null
1.6
24.5
7.3
Home:3y;Retirement:30y;Education:6y
3
Collaborative
Shallow
IRR;TaxCost;Sharpe
Chat>App>Phone
false
22:30-06:15
66
88
74
63
OpenBanking;Payroll
16
Hybrid
Rebalance
2025-10-19
Success
v1.8.9
NoMargin;StopLossDisabled
Prioritize liquidity and down payment savings
A0761
Preserver
161,578
1,459,063
137,578
3.2
4
12
US
Low
NoIlliquids;NoDerivatives
null
Crypto;LeveragedETFs;PennyStocks
1
8.8
7.2
Retirement:15y;Emergency:1y;Healthcare:8y
15
Concise
Medium
TaxCost;Sharpe;MaxDD
Email>Phone>Chat
true
19:30-08:15
78
215
65
64
Brokerage;OpenBanking
7
Human
PlanUpdate
2025-11-09
Success
v2.10.6
LimitOrderOnly;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0762
Stabilizer
40,495
189,697
17,799
8.1
1
10
US
Low
null
NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
1.2
17.2
8.8
Retirement:15y;Emergency:1y
15
Concise
Deep
TaxCost;Sharpe
Phone>In-Person>App
true
21:15-07:15
54
116
55
52
OpenBanking
10
Human
Rebalance
2025-12-17
Success
v1.10.7
LimitOrderOnly
Keep expenses buffer ≥ 4 months
A0763
Preserver
52,869
411,317
14,944
6.2
2
10
US
Low
NoDerivatives
null
Crypto;LeveragedETFs;PennyStocks
1
15.6
5.4
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Shallow
Sharpe;TaxCost;MaxDD
Chat>App>Email
false
19:15-07:45
78
221
78
82
Brokerage;CreditBureau;OpenBanking;Payroll
3
Hybrid
PlanUpdate
2025-06-25
Failed
v1.9.5
StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0764
Builder
27,819
149,167
7,246
10.4
2
10
CA
High
NoDerivatives
null
LeveragedETFs
1.7
15.2
10.2
Home:3y;Retirement:30y;Healthcare:8y
3
Concise
Medium
IRR;TaxCost
Email>App>In-Person
true
21:15-06:45
52
134
62
50
CreditBureau;OpenBanking;Payroll
11
null
PlanUpdate
2025-03-03
Failed
v2.9.6
LimitOrderOnly;NoPennyStocks;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0765
Optimizer
29,814
218,111
14,747
9.4
2
10
US
Low
null
NoFossilFuel
PennyStocks
1.6
26
13.8
Wealth:10y;Estate:20y;Debt:2y
10
Collaborative
Medium
Sharpe;IRR;TaxCost
Chat>App>Phone>In-Person
true
19:00-08:45
62
96
57
51
Brokerage;OpenBanking;Payroll
2
Human
AlertAcknowledge
2025-02-15
Success
v2.8.2
StopLossDisabled
Enforce tax budget and position caps
A0766
Explorer
41,456
352,874
9,659
14.8
1
10
US
Medium
null
NoTobacco
null
1.8
32.8
15
Business:5y;Travel:2y;Debt:2y
5
Concise
Medium
IRR;MaxDD
In-Person>App>Chat
true
19:45-08:00
62
78
64
58
OpenBanking;Payroll
2
null
PlanUpdate
2025-11-12
Partial
v2.9.3
LimitOrderOnly;NoAutoTradesBelow$1k;NoIlliquids
Allow small experimental sleeve ≤ 3%
A0767
Explorer
24,928
142,472
5,485
14.4
2
10
US
Low
null
null
PennyStocks
2.1
32.8
17
Business:5y;Travel:2y;Education:6y
5
Concise
Medium
IRR;TaxCost;Sharpe
Email>Chat>In-Person
true
23:30-06:30
61
57
61
55
OpenBanking
7
null
PlanUpdate
2025-06-04
Success
v1.8.4
NoMargin;PauseWhenVIX>30
Allow small experimental sleeve ≤ 3%
A0768
Optimizer
118,444
845,975
72,929
9.1
4
15
IN
Low
null
NoTobacco
Crypto;PennyStocks
1.6
18.3
12.9
Wealth:10y;Estate:20y;Education:6y
10
Concise
Deep
TaxCost;IRR;Sharpe
Chat>Phone>In-Person>Email>App
true
19:45-07:15
74
91
88
84
Brokerage;CreditBureau;OpenBanking
6
Human
AlertAcknowledge
2025-03-24
Success
v2.8.5
LimitOrderOnly;NoAutoTradesBelow$1k;PauseWhenVIX>30
Enforce tax budget and position caps
A0769
Builder
24,188
29,837
3,525
12.5
2
10
US
Medium
null
null
Crypto;LeveragedETFs
1.5
20.8
9.6
Home:3y;Retirement:30y;Healthcare:8y
3
Directive
Shallow
MaxDD;TaxCost
Email>App>Chat>Phone>In-Person
false
20:30-08:00
69
73
67
57
CreditBureau;OpenBanking;Payroll
12
Human
AutoTransfer
2025-11-24
Partial
v1.9.2
NoAutoTradesBelow$1k
Prioritize liquidity and down payment savings
A0770
Preserver
63,722
382,056
43,491
3.7
4
10
US
Medium
null
null
Crypto;LeveragedETFs;PennyStocks
0.9
14.8
5.8
Retirement:15y;Emergency:1y;Healthcare:8y
15
Educational
Deep
MaxDD;TaxCost;Sharpe
Email>In-Person>Chat
true
23:30-06:45
67
183
54
56
Brokerage;OpenBanking
6
Hybrid
AlertAcknowledge
2025-01-08
Failed
v1.10.3
NoMargin;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0771
Preserver
250,903
2,360,171
125,436
4.5
4
12
US
Low
NoDerivatives;NoIlliquids
null
Crypto;LeveragedETFs;PennyStocks
1
15.6
8.7
Retirement:15y;Emergency:1y
15
Directive
Deep
MaxDD;Sharpe
App>In-Person>Chat>Email>Phone
false
23:15-07:00
77
181
76
67
Brokerage;CreditBureau;OpenBanking
14
Hybrid
PlanUpdate
2025-01-28
Success
v1.9.7
NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0772
Optimizer
143,280
1,753,686
44,231
8
3
12
US
Medium
null
null
PennyStocks
1.6
15.5
11.8
Wealth:10y;Estate:20y
10
Collaborative
Shallow
TaxCost;IRR;MaxDD
Email>Chat>In-Person>Phone
true
19:45-07:30
64
79
75
71
Brokerage;OpenBanking;Payroll
4
Hybrid
Rebalance
2025-01-14
Success
v2.9.1
NoAutoTradesBelow$1k;StopLossDisabled
Enforce tax budget and position caps
A0773
Builder
67,762
185,588
11,218
10
3
10
US
High
NoDerivatives;AccreditedOnly
NoFossilFuel
null
1.4
23.6
9.4
Home:3y;Retirement:30y;Healthcare:8y
3
Concise
Shallow
Sharpe;IRR
Chat>Email>In-Person>App
true
23:15-06:15
54
94
56
56
OpenBanking;Payroll
6
Human
PlanUpdate
2025-03-18
Success
v1.8.4
NoIlliquids;StopLossDisabled
Prioritize liquidity and down payment savings
A0774
Preserver
51,621
500,060
40,090
3.8
4
10
IN
Medium
null
NoTobacco
Crypto;LeveragedETFs;PennyStocks
1.1
12.3
5.4
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Medium
Sharpe;TaxCost;MaxDD
App>Email>Phone
false
20:45-07:00
76
224
84
84
Brokerage;OpenBanking;Payroll
13
Hybrid
Rebalance
2025-12-20
Success
v2.9.1
NoMargin;PauseWhenVIX>30;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0775
Stabilizer
65,962
743,473
28,010
9.3
1
10
US
Low
NoShortSelling
NoWeapons
Crypto;LeveragedETFs;PennyStocks
0.9
8.3
5.8
Retirement:15y;Emergency:1y;Debt:2y
15
Concise
Medium
TaxCost;Sharpe
Phone>In-Person>App
true
21:00-06:00
66
135
75
67
CreditBureau;OpenBanking
15
Human
PlanUpdate
2025-06-02
Success
v2.10.9
NoIlliquids;NoMargin
Keep expenses buffer ≥ 4 months
A0776
Explorer
67,619
407,633
30,850
15.1
3
10
IN
Medium
null
NoTobacco;NoFossilFuel
LeveragedETFs;PennyStocks;PrivateCredit
2.1
32.6
12.2
Business:5y;Travel:2y;Debt:2y
5
Collaborative
Shallow
Sharpe;MaxDD;IRR
Chat>In-Person>App
false
21:00-07:15
50
73
48
47
CreditBureau;OpenBanking
2
Human
Rebalance
2025-07-22
Success
v2.10.2
NoMargin;PauseWhenVIX>30
Allow small experimental sleeve ≤ 3%
A0777
Preserver
51,944
538,444
48,973
4.9
4
10
US
Low
NoIlliquids
null
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
0.9
8.2
6.2
Retirement:15y;Emergency:1y;Debt:2y
15
Collaborative
Shallow
Sharpe;MaxDD;TaxCost
In-Person>Chat>App
true
23:00-07:15
82
158
77
67
Brokerage;CreditBureau;OpenBanking;Payroll
8
Hybrid
AlertAcknowledge
2025-09-09
Failed
v2.8.9
NoIlliquids;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0778
Builder
70,037
299,875
17,326
10.7
3
10
US
Low
AccreditedOnly;NoIlliquids
null
null
1.5
17.9
9.3
Home:3y;Retirement:30y
3
Collaborative
Medium
IRR;MaxDD
Phone>Email>App
false
22:30-06:30
68
101
57
55
OpenBanking;Payroll
14
Hybrid
AutoTransfer
2025-10-11
Success
v2.9.9
NoIlliquids;NoPennyStocks
Prioritize liquidity and down payment savings
A0779
Preserver
158,973
1,206,038
148,992
6.1
3
12
US
High
null
NoTobacco
Crypto;LeveragedETFs;PennyStocks
1
12.2
5.1
Retirement:15y;Emergency:1y;Healthcare:8y
15
Collaborative
Deep
TaxCost;MaxDD;Sharpe
App>Email>Chat>In-Person>Phone
false
21:45-08:30
61
220
46
38
Brokerage;CreditBureau;OpenBanking
5
Hybrid
PlanUpdate
2025-10-02
Partial
v1.9.9
LimitOrderOnly;NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0780
Explorer
56,572
344,353
21,446
14.6
2
10
DE
Medium
NoShortSelling;AccreditedOnly
NoTobacco
LeveragedETFs;PrivateCredit
1.8
26.6
12.1
Business:5y;Travel:2y;Debt:2y
5
Collaborative
Deep
MaxDD;IRR
Email>In-Person>Phone
true
19:15-06:30
54
77
64
63
CreditBureau;OpenBanking
7
null
AutoTransfer
2025-06-14
Success
v2.8.2
NoPennyStocks;PauseWhenVIX>30;StopLossDisabled
Allow small experimental sleeve ≤ 3%
A0781
Builder
60,551
323,890
17,713
15.4
1
10
US
Low
null
null
Crypto;LeveragedETFs
1.4
23.6
11.8
Home:3y;Retirement:30y;Healthcare:8y
3
Collaborative
Medium
Sharpe;MaxDD
App>Phone>Email
true
23:15-08:30
60
133
57
45
CreditBureau;OpenBanking
8
null
PlanUpdate
2025-04-07
Success
v1.9.3
LimitOrderOnly;NoAutoTradesBelow$1k;NoIlliquids
Prioritize liquidity and down payment savings
A0782
Explorer
26,398
133,465
7,596
17.1
3
10
US
Low
AccreditedOnly;NoIlliquids
null
null
2.2
23.1
13.3
Business:5y;Travel:2y;Debt:2y
5
Educational
Medium
TaxCost;IRR;MaxDD
Chat>In-Person>Email
false
20:30-07:30
58
85
72
70
CreditBureau;OpenBanking
4
Human
Rebalance
2025-12-01
Success
v1.9.5
StopLossDisabled
Allow small experimental sleeve ≤ 3%
A0783
Preserver
56,404
755,731
41,887
6.7
2
10
US
Medium
null
NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
1
10.7
8.1
Retirement:15y;Emergency:1y
15
Concise
Medium
TaxCost;Sharpe;MaxDD
Phone>In-Person>Chat
true
19:30-07:30
74
162
73
70
Brokerage;OpenBanking
7
Human
Rebalance
2025-06-04
Partial
v1.9.4
NoIlliquids;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0784
Preserver
150,704
1,619,206
135,793
4.6
3
15
SG
Low
AccreditedOnly;NoShortSelling
NoTobacco;NoWeapons
Crypto;LeveragedETFs;PennyStocks
0.9
12.7
5.2
Retirement:15y;Emergency:1y;Debt:2y
15
Collaborative
Medium
TaxCost;MaxDD
Phone>In-Person>Email>Chat
true
22:45-07:15
75
191
63
66
Brokerage;CreditBureau;OpenBanking
5
Human
PlanUpdate
2025-10-05
Success
v2.8.9
LimitOrderOnly;NoPennyStocks;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A0785
Explorer
49,133
138,998
6,605
19.7
2
10
US
Medium
AccreditedOnly;NoDerivatives
null
Crypto;LeveragedETFs
1.7
23.9
13.4
Business:5y;Travel:2y;Healthcare:8y
5
Collaborative
Deep
TaxCost;Sharpe;MaxDD
Chat>Phone>App
true
19:15-08:45
49
70
58
57
OpenBanking;Payroll
5
Hybrid
AlertAcknowledge
2025-12-02
Success
v2.9.9
NoIlliquids;NoMargin;StopLossDisabled
Allow small experimental sleeve ≤ 3%
A0786
Optimizer
75,746
409,800
32,228
10.8
1
10
DE
High
NoShortSelling
NoWeapons;NoTobacco
LeveragedETFs;PennyStocks
1.7
26.6
9.5
Wealth:10y;Estate:20y;Healthcare:8y
10
Concise
Deep
Sharpe;IRR;MaxDD
In-Person>Phone>App>Chat>Email
true
23:15-08:30
62
60
74
66
Brokerage;OpenBanking
1
Hybrid
PlanUpdate
2025-09-08
Success
v1.10.1
LimitOrderOnly;NoMargin
Enforce tax budget and position caps
A0787
Optimizer
85,281
841,085
43,822
10.5
1
10
US
Low
NoIlliquids
null
LeveragedETFs;PennyStocks
1.5
25.6
9.4
Wealth:10y;Estate:20y;Education:6y
10
Concise
Deep
IRR;MaxDD
Chat>App>Phone>In-Person>Email
true
19:45-06:45
71
105
69
62
Brokerage;OpenBanking;Payroll
2
Hybrid
Rebalance
2025-11-28
Success
v1.10.2
NoAutoTradesBelow$1k;PauseWhenVIX>30
Enforce tax budget and position caps
A0788
Builder
64,481
76,877
3,036
8.7
2
10
IN
Low
NoShortSelling;AccreditedOnly
ESGOnly;NoFossilFuel
null
1.8
19.3
7.2
Home:3y;Retirement:30y;Education:6y
3
Directive
Medium
MaxDD;Sharpe;IRR
Phone>Chat>In-Person
true
20:00-06:45
60
83
67
67
OpenBanking
7
Hybrid
PlanUpdate
2025-02-21
Success
v1.9.1
NoAutoTradesBelow$1k;NoPennyStocks;StopLossDisabled
Prioritize liquidity and down payment savings
A0789
Builder
39,289
59,750
1,931
10.1
2
10
US
Medium
null
NoWeapons;NoFossilFuel
null
1.6
23.2
10
Home:3y;Retirement:30y;Education:6y
3
Educational
Medium
MaxDD;TaxCost;Sharpe
Chat>Email>In-Person
false
19:00-07:15
51
74
44
34
CreditBureau;OpenBanking
13
Human
Rebalance
2025-12-08
Success
v2.9.8
LimitOrderOnly;NoPennyStocks;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0790
Explorer
70,047
295,528
19,667
18
4
10
US
Low
NoShortSelling;NoIlliquids
null
PrivateCredit
2.1
24.7
14.7
Business:5y;Travel:2y;Education:6y
5
Collaborative
Deep
Sharpe;MaxDD
Email>In-Person>App>Phone
false
19:45-06:45
56
73
64
52
CreditBureau;OpenBanking
1
Hybrid
Rebalance
2025-12-22
Partial
v2.10.5
StopLossDisabled
Allow small experimental sleeve ≤ 3%
A0791
Builder
35,882
122,313
4,609
8.3
4
10
US
Low
null
null
LeveragedETFs;PennyStocks
1.5
13.3
8.7
Home:3y;Retirement:30y;Education:6y
3
Educational
Shallow
IRR;MaxDD;Sharpe
Phone>App>Chat>In-Person>Email
true
21:45-06:00
73
83
62
57
CreditBureau;OpenBanking;Payroll
14
null
AutoTransfer
2025-08-11
Partial
v1.9.4
NoAutoTradesBelow$1k;NoMargin;NoPennyStocks
Prioritize liquidity and down payment savings
A0792
Preserver
134,537
1,868,956
145,595
5.5
3
15
UK
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1
17.7
8.1
Retirement:15y;Emergency:1y;Debt:2y
15
Concise
Medium
TaxCost;MaxDD
Chat>Phone>Email>App
true
21:00-06:15
69
230
75
79
Brokerage;CreditBureau;OpenBanking
13
Human
Rebalance
2025-08-30
Success
v2.8.9
NoMargin;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0793
Stabilizer
46,912
428,484
28,907
5.5
4
10
UK
Medium
null
NoWeapons;ESGOnly
Crypto;LeveragedETFs;PennyStocks
0.9
9.2
8.3
Retirement:15y;Emergency:1y;Healthcare:8y
15
Collaborative
Medium
MaxDD;Sharpe;TaxCost
Chat>App>Email>Phone
true
19:45-06:30
53
144
63
62
CreditBureau;OpenBanking
19
null
AutoTransfer
2025-04-13
Success
v2.9.2
NoIlliquids
Keep expenses buffer ≥ 4 months
A0794
Preserver
167,394
1,251,874
122,592
5.6
2
12
US
Low
null
NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
1.1
11
8.3
Retirement:15y;Emergency:1y;Healthcare:8y
15
Directive
Shallow
TaxCost;Sharpe
In-Person>Chat>Phone>Email
false
21:45-08:00
73
120
79
82
Brokerage;OpenBanking
13
null
PlanUpdate
2025-06-11
Partial
v1.9.4
LimitOrderOnly;NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0795
Preserver
98,320
295,541
32,063
5.4
3
10
AU
Low
NoDerivatives;NoShortSelling
null
Crypto;LeveragedETFs;PennyStocks
1
9.9
5.4
Retirement:15y;Emergency:1y
15
Collaborative
Medium
MaxDD;Sharpe
App>Phone>Email
true
21:30-07:30
75
209
72
69
Brokerage;CreditBureau;OpenBanking
11
null
AlertAcknowledge
2025-03-13
Failed
v2.8.4
NoAutoTradesBelow$1k;NoIlliquids;NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0796
Builder
45,227
114,614
4,982
9.5
4
10
US
Low
NoIlliquids
null
Crypto;PennyStocks
1.4
19.9
7
Home:3y;Retirement:30y;Healthcare:8y
3
Collaborative
Deep
IRR;MaxDD;TaxCost
In-Person>Chat>Email>App
true
23:00-07:30
60
125
69
64
CreditBureau;OpenBanking
11
null
Rebalance
2025-01-06
Success
v1.9.7
NoIlliquids
Prioritize liquidity and down payment savings
A0797
Optimizer
190,180
3,787,845
100,001
7.6
3
12
US
Low
null
ESGOnly;NoFossilFuel
LeveragedETFs;PennyStocks
1.5
20.3
9.8
Wealth:10y;Estate:20y;Debt:2y
10
Educational
Medium
TaxCost;Sharpe;MaxDD
Phone>In-Person>Email>App>Chat
true
19:30-06:00
67
87
60
51
Brokerage;OpenBanking;Payroll
1
Hybrid
AlertAcknowledge
2025-12-12
Success
v1.10.3
NoAutoTradesBelow$1k;PauseWhenVIX>30;StopLossDisabled
Enforce tax budget and position caps
A0798
Builder
35,649
135,857
7,027
10.7
4
10
US
Low
NoIlliquids;NoShortSelling
null
null
1.7
21.3
8.6
Home:3y;Retirement:30y;Debt:2y
3
Directive
Medium
MaxDD;Sharpe
App>Email>In-Person>Chat
true
19:45-06:30
60
71
53
47
CreditBureau;OpenBanking
7
Human
Rebalance
2025-08-19
Success
v2.10.4
LimitOrderOnly;NoIlliquids;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0799
Stabilizer
58,118
236,605
24,776
4.9
4
10
SG
Low
null
ESGOnly
Crypto;LeveragedETFs;PennyStocks
0.9
14.5
7.3
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Shallow
Sharpe;TaxCost;MaxDD
Chat>In-Person>App>Email>Phone
true
21:15-07:30
54
113
55
53
OpenBanking
6
null
AutoTransfer
2025-09-05
Partial
v1.8.5
NoPennyStocks
Keep expenses buffer ≥ 4 months
A0800
Builder
66,168
188,490
10,228
11.7
1
10
CA
Low
NoIlliquids;NoShortSelling
NoTobacco
null
1.7
22.6
7
Home:3y;Retirement:30y;Healthcare:8y
3
Concise
Medium
TaxCost;MaxDD;Sharpe
In-Person>Chat>Phone
false
23:45-07:45
67
92
63
53
OpenBanking
16
null
AlertAcknowledge
2025-11-13
Partial
v1.9.4
NoIlliquids;NoMargin;StopLossDisabled
Prioritize liquidity and down payment savings