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
A0901
Builder
84,802
291,881
13,443
10.9
3
10
US
Low
NoDerivatives;AccreditedOnly
null
null
1.6
21.8
11.2
Home:3y;Retirement:30y
3
Concise
Shallow
TaxCost;MaxDD
Chat>In-Person>Email>Phone
false
22:30-07:15
62
63
71
67
OpenBanking;Payroll
7
null
AlertAcknowledge
2025-05-13
Success
v2.8.9
LimitOrderOnly;NoPennyStocks
Prioritize liquidity and down payment savings
A0902
Preserver
116,755
1,488,624
73,030
4.5
4
12
US
Low
null
NoWeapons;NoTobacco
Crypto;LeveragedETFs;PennyStocks
0.9
12
5.3
Retirement:15y;Emergency:1y;Debt:2y
15
Concise
Deep
MaxDD;Sharpe;TaxCost
Chat>App>In-Person>Email>Phone
true
22:30-06:30
81
174
81
80
Brokerage;CreditBureau;OpenBanking
6
Hybrid
AutoTransfer
2025-06-01
Success
v2.8.4
LimitOrderOnly;NoAutoTradesBelow$1k
Maintain ≥ 12m cash runway and low drawdown
A0903
Builder
149,798
348,731
14,747
14.1
2
12
US
Medium
NoDerivatives;AccreditedOnly
NoTobacco;NoFossilFuel
Crypto
1.7
18.2
7.3
Home:3y;Retirement:30y;Education:6y
3
Collaborative
Shallow
TaxCost;MaxDD;IRR
Phone>In-Person>Email>App
true
21:45-08:00
66
137
75
72
OpenBanking
13
null
AutoTransfer
2025-03-19
Success
v2.8.9
NoMargin;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0904
Builder
59,057
25,270
1,000
9.5
4
10
CA
Medium
null
null
null
1.8
24.4
11.7
Home:3y;Retirement:30y;Debt:2y
3
Educational
Deep
Sharpe;IRR;TaxCost
App>In-Person>Phone>Email
false
22:30-07:45
61
106
52
50
CreditBureau;OpenBanking;Payroll
5
Hybrid
PlanUpdate
2025-06-09
Partial
v1.8.3
NoMargin;NoPennyStocks
Prioritize liquidity and down payment savings
A0905
Explorer
58,023
294,435
18,549
20.8
2
10
US
Medium
NoDerivatives;NoIlliquids
NoFossilFuel
LeveragedETFs;PennyStocks
2.1
24.8
12.4
Business:5y;Travel:2y;Healthcare:8y
5
Concise
Medium
Sharpe;TaxCost;IRR
Email>App>Chat
false
20:15-08:15
49
47
57
54
OpenBanking;Payroll
6
Human
Rebalance
2025-04-29
Success
v2.9.2
NoAutoTradesBelow$1k;NoIlliquids;NoMargin
Allow small experimental sleeve ≤ 3%
A0906
Preserver
94,204
509,949
44,317
4.5
4
10
US
Low
NoIlliquids
null
Crypto;LeveragedETFs;PennyStocks
1
10.1
6.1
Retirement:15y;Emergency:1y
15
Collaborative
Medium
MaxDD;TaxCost;Sharpe
Phone>Email>In-Person
false
23:30-06:15
68
186
69
68
Brokerage;CreditBureau;OpenBanking
9
null
Rebalance
2025-02-15
Success
v1.9.2
LimitOrderOnly;NoAutoTradesBelow$1k;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0907
Explorer
63,191
338,450
14,380
16.6
2
10
US
Low
null
ESGOnly;NoFossilFuel
null
2
30.1
16
Business:5y;Travel:2y;Debt:2y
5
Concise
Deep
Sharpe;TaxCost
Phone>App>Chat
false
22:45-06:00
60
73
66
54
CreditBureau;OpenBanking
7
Hybrid
Rebalance
2025-01-27
Success
v1.9.6
NoAutoTradesBelow$1k;NoMargin;PauseWhenVIX>30
Allow small experimental sleeve ≤ 3%
A0908
Builder
23,797
104,817
4,980
11.3
1
10
US
Low
null
NoWeapons
null
1.8
23.8
9.6
Home:3y;Retirement:30y;Healthcare:8y
3
Educational
Medium
Sharpe;MaxDD
Chat>App>Email>Phone>In-Person
true
22:00-07:30
60
110
62
58
OpenBanking;Payroll
12
null
AlertAcknowledge
2025-11-08
Partial
v1.8.6
NoIlliquids;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0909
Preserver
76,340
733,089
72,198
5.6
1
10
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
0.9
14.1
7.5
Retirement:15y;Emergency:1y;Debt:2y
15
Concise
Shallow
MaxDD;Sharpe;TaxCost
Chat>Phone>In-Person>App
false
20:00-07:30
77
121
78
75
Brokerage;CreditBureau;OpenBanking
9
Hybrid
AutoTransfer
2025-06-09
Success
v2.8.2
StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0910
Preserver
111,296
1,070,772
101,242
5.7
4
12
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1.1
10.3
7.4
Retirement:15y;Emergency:1y;Debt:2y
15
Collaborative
Shallow
Sharpe;TaxCost;MaxDD
In-Person>Email>App>Chat
false
21:45-07:30
72
130
67
60
Brokerage;OpenBanking;Payroll
5
null
AutoTransfer
2025-07-12
Success
v1.10.1
LimitOrderOnly;NoAutoTradesBelow$1k
Maintain ≥ 12m cash runway and low drawdown
A0911
Preserver
98,390
647,875
57,230
8
1
10
US
Low
null
NoFossilFuel;ESGOnly
Crypto;LeveragedETFs;PennyStocks
1
16.1
7.7
Retirement:15y;Emergency:1y
15
Collaborative
Deep
Sharpe;TaxCost
Phone>Chat>In-Person>Email>App
true
19:15-08:45
73
156
77
77
Brokerage;OpenBanking;Payroll
6
Human
Rebalance
2025-06-10
Success
v1.10.6
NoMargin;NoPennyStocks;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A0912
Preserver
71,701
818,112
33,308
7.9
1
10
AU
Low
NoShortSelling
NoTobacco
Crypto;LeveragedETFs;PennyStocks
1.2
17.2
7.6
Retirement:15y;Emergency:1y
15
Educational
Deep
Sharpe;TaxCost;MaxDD
Email>Phone>Chat>In-Person
true
23:00-06:30
78
132
72
63
Brokerage;OpenBanking
12
Hybrid
AlertAcknowledge
2025-08-10
Success
v2.9.7
NoMargin;NoPennyStocks;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0913
Preserver
75,666
314,446
43,244
5.8
4
10
CA
Low
AccreditedOnly;NoIlliquids
null
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1
12.8
8.9
Retirement:15y;Emergency:1y
15
Educational
Medium
TaxCost;Sharpe;MaxDD
Email>Chat>In-Person
true
23:15-06:45
80
239
69
69
Brokerage;OpenBanking
10
Hybrid
AlertAcknowledge
2024-12-29
Success
v2.10.7
NoIlliquids
Maintain ≥ 12m cash runway and low drawdown
A0914
Stabilizer
62,984
349,399
12,954
7.8
2
10
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1.1
10.2
5.2
Retirement:15y;Emergency:1y;Healthcare:8y
15
Directive
Medium
MaxDD;TaxCost;Sharpe
App>Phone>Email>Chat
true
21:00-06:00
68
143
58
51
OpenBanking
13
null
AutoTransfer
2025-06-04
Success
v1.10.4
NoMargin;NoPennyStocks;PauseWhenVIX>30;StopLossDisabled
Keep expenses buffer ≥ 4 months
A0915
Preserver
71,637
904,357
34,019
5.4
3
10
SG
High
NoIlliquids
null
Crypto;LeveragedETFs;PennyStocks
1.1
10.1
5.9
Retirement:15y;Emergency:1y;Healthcare:8y
15
Concise
Deep
TaxCost;MaxDD;Sharpe
Email>Phone>App>Chat>In-Person
true
20:15-06:45
60
177
45
36
Brokerage;OpenBanking;Payroll
12
null
Rebalance
2025-10-15
Success
v1.8.7
LimitOrderOnly;NoAutoTradesBelow$1k;NoMargin;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0916
Stabilizer
58,954
265,013
31,809
5.6
4
10
IN
Medium
AccreditedOnly;NoIlliquids
NoTobacco
Crypto;LeveragedETFs;PennyStocks
1.1
8.2
8.9
Retirement:15y;Emergency:1y;Education:6y
15
Directive
Medium
MaxDD;TaxCost
Phone>Email>Chat>App>In-Person
true
20:00-08:15
63
146
60
58
CreditBureau;OpenBanking
10
null
Rebalance
2025-09-30
Partial
v2.9.3
NoIlliquids;NoMargin;PauseWhenVIX>30
Keep expenses buffer ≥ 4 months
A0917
Optimizer
92,070
740,338
32,335
6.5
3
10
IN
Low
NoIlliquids;NoDerivatives
NoTobacco;NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.9
27.8
10.4
Wealth:10y;Estate:20y;Debt:2y
10
Educational
Deep
TaxCost;IRR;Sharpe
Chat>In-Person>Email>Phone
true
21:00-06:30
67
83
77
76
Brokerage;CreditBureau;OpenBanking
5
Human
AlertAcknowledge
2025-12-06
Failed
v2.8.2
StopLossDisabled
Enforce tax budget and position caps
A0918
Preserver
141,230
840,463
73,298
5.1
3
12
US
High
AccreditedOnly
null
Crypto;LeveragedETFs;PennyStocks
1
10.1
8.2
Retirement:15y;Emergency:1y;Healthcare:8y
15
Educational
Medium
Sharpe;MaxDD
In-Person>Email>App>Chat>Phone
true
19:00-07:45
71
160
71
73
Brokerage;CreditBureau;OpenBanking;Payroll
10
Hybrid
AlertAcknowledge
2025-12-12
Success
v1.8.9
NoAutoTradesBelow$1k;NoMargin;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0919
Builder
104,545
331,995
18,283
14.4
1
12
US
Low
AccreditedOnly
NoWeapons;NoTobacco
LeveragedETFs
1.5
19.6
7.8
Home:3y;Retirement:30y;Healthcare:8y
3
Concise
Medium
MaxDD;IRR;TaxCost
In-Person>Email>Chat>App>Phone
true
20:45-08:30
58
108
49
46
OpenBanking
15
null
AutoTransfer
2025-10-23
Partial
v1.10.7
LimitOrderOnly;NoPennyStocks
Prioritize liquidity and down payment savings
A0920
Explorer
100,721
795,667
28,386
14.2
2
12
US
Medium
null
null
PennyStocks
2
25.8
13.7
Business:5y;Travel:2y
5
Educational
Medium
IRR;MaxDD;Sharpe
Email>App>In-Person>Phone>Chat
true
20:15-08:30
53
63
54
48
OpenBanking
4
null
Rebalance
2025-06-28
Partial
v1.9.1
LimitOrderOnly;NoMargin;PauseWhenVIX>30
Allow small experimental sleeve ≤ 3%
A0921
Preserver
117,087
1,085,562
61,555
5
3
12
US
Low
NoDerivatives;AccreditedOnly
null
Crypto;LeveragedETFs;PennyStocks
0.9
16.4
5.6
Retirement:15y;Emergency:1y;Education:6y
15
Directive
Deep
TaxCost;MaxDD;Sharpe
App>Email>Chat>In-Person
true
22:15-07:45
82
212
79
84
Brokerage;CreditBureau;OpenBanking;Payroll
6
Human
Rebalance
2025-07-26
Success
v1.8.5
NoIlliquids;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0922
Explorer
48,110
412,425
16,180
16
3
10
US
Low
NoIlliquids;NoDerivatives
null
PennyStocks
1.7
26.6
15.1
Business:5y;Travel:2y;Healthcare:8y
5
Collaborative
Medium
IRR;Sharpe
Phone>In-Person>App>Email>Chat
false
19:45-06:30
57
56
68
56
CreditBureau;OpenBanking
1
null
PlanUpdate
2025-03-26
Success
v2.8.2
LimitOrderOnly;NoMargin
Allow small experimental sleeve ≤ 3%
A0923
Optimizer
194,836
2,144,345
108,925
9.2
2
12
US
Low
NoIlliquids;NoShortSelling
null
LeveragedETFs;PennyStocks
1.5
16.9
13.3
Wealth:10y;Estate:20y
10
Educational
Deep
Sharpe;IRR;MaxDD
In-Person>App>Email>Chat>Phone
true
21:45-06:15
70
64
68
57
Brokerage;OpenBanking
2
null
Rebalance
2025-10-02
Success
v2.8.5
NoPennyStocks
Enforce tax budget and position caps
A0924
Preserver
87,055
737,192
66,776
4.1
4
10
US
Medium
NoShortSelling;NoDerivatives
null
Crypto;LeveragedETFs;PennyStocks
1
15.5
6.1
Retirement:15y;Emergency:1y;Debt:2y
15
Concise
Shallow
MaxDD;Sharpe
In-Person>App>Email>Chat>Phone
true
20:30-07:00
62
169
56
51
Brokerage;OpenBanking;Payroll
10
Human
AlertAcknowledge
2025-11-12
Success
v1.8.5
LimitOrderOnly;NoIlliquids;NoMargin;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0925
Explorer
66,861
323,606
30,006
14
2
10
UK
High
null
NoTobacco;NoFossilFuel
PennyStocks
2.1
25.3
16.6
Business:5y;Travel:2y
5
Directive
Deep
Sharpe;IRR
Email>App>Phone
true
23:15-06:15
50
53
42
39
CreditBureau;OpenBanking
7
null
PlanUpdate
2025-07-28
Partial
v1.8.9
NoAutoTradesBelow$1k
Allow small experimental sleeve ≤ 3%
A0926
Builder
120,837
420,490
30,240
15.3
1
15
AU
Low
NoDerivatives;NoShortSelling
NoWeapons;NoTobacco
Crypto
1.6
20.9
9.8
Home:3y;Retirement:30y;Debt:2y
3
Collaborative
Deep
MaxDD;IRR;Sharpe
Email>Chat>App>Phone
true
22:00-07:00
65
107
63
55
OpenBanking
16
Hybrid
PlanUpdate
2025-10-25
Failed
v2.8.6
PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0927
Builder
68,720
124,788
4,610
8.5
4
10
US
Low
null
ESGOnly
null
1.5
21.3
7.7
Home:3y;Retirement:30y;Healthcare:8y
3
Educational
Deep
TaxCost;MaxDD;Sharpe
Phone>Chat>In-Person>App>Email
true
23:00-06:30
62
107
65
64
CreditBureau;OpenBanking
7
null
AutoTransfer
2025-04-10
Partial
v2.8.4
NoAutoTradesBelow$1k
Prioritize liquidity and down payment savings
A0928
Preserver
108,979
626,724
27,374
8.1
1
12
US
Medium
null
null
Crypto;LeveragedETFs;PennyStocks
0.9
10.1
6.6
Retirement:15y;Emergency:1y;Debt:2y
15
Collaborative
Deep
MaxDD;Sharpe;TaxCost
App>Chat>Phone>Email>In-Person
true
19:30-07:30
69
212
79
73
Brokerage;CreditBureau;OpenBanking
11
Hybrid
AutoTransfer
2025-01-28
Success
v2.9.4
NoAutoTradesBelow$1k;NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0929
Builder
35,040
100,531
3,653
13.5
2
10
SG
Medium
null
ESGOnly;NoWeapons
null
1.4
24.4
7.8
Home:3y;Retirement:30y;Education:6y
3
Directive
Medium
TaxCost;Sharpe;MaxDD
Chat>App>Phone
true
19:45-07:30
67
121
52
48
OpenBanking
20
Hybrid
AlertAcknowledge
2025-02-19
Success
v1.8.2
LimitOrderOnly
Prioritize liquidity and down payment savings
A0930
Preserver
119,946
1,162,905
148,133
5.3
3
12
US
Medium
NoDerivatives;NoShortSelling
NoWeapons
Crypto;LeveragedETFs;PennyStocks
0.9
11
8.1
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Shallow
TaxCost;MaxDD;Sharpe
Phone>Chat>In-Person
true
19:00-06:15
76
195
62
64
Brokerage;CreditBureau;OpenBanking;Payroll
5
Hybrid
AlertAcknowledge
2025-08-17
Partial
v1.8.4
NoAutoTradesBelow$1k;NoMargin;NoPennyStocks;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0931
Explorer
42,573
325,939
14,903
16.6
3
10
US
Medium
null
null
null
1.7
32
12.6
Business:5y;Travel:2y;Debt:2y
5
Concise
Deep
TaxCost;Sharpe
Chat>Email>In-Person>App
false
19:45-07:15
66
73
67
56
CreditBureau;OpenBanking
7
Hybrid
AlertAcknowledge
2025-12-16
Success
v2.9.2
LimitOrderOnly
Allow small experimental sleeve ≤ 3%
A0932
Preserver
147,971
1,225,331
139,527
3.9
4
15
CA
Low
null
null
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1.2
15
5.4
Retirement:15y;Emergency:1y;Healthcare:8y
15
Directive
Deep
Sharpe;MaxDD;TaxCost
Phone>Chat>In-Person>Email>App
false
23:15-06:45
70
161
75
69
Brokerage;CreditBureau;OpenBanking
10
Human
Rebalance
2025-05-15
Success
v2.10.7
StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0933
Explorer
60,896
372,599
14,392
22.6
1
10
IN
Low
null
ESGOnly;NoTobacco
null
1.8
30.8
14.9
Business:5y;Travel:2y
5
Collaborative
Medium
IRR;MaxDD
Phone>In-Person>App>Chat
true
21:45-08:00
57
82
67
55
OpenBanking
3
null
Rebalance
2025-11-29
Success
v1.10.8
LimitOrderOnly;NoPennyStocks
Allow small experimental sleeve ≤ 3%
A0934
Preserver
40,357
312,546
17,612
6
2
10
US
Low
NoDerivatives
null
Crypto;LeveragedETFs;PennyStocks
1.1
16.2
5.7
Retirement:15y;Emergency:1y;Education:6y
15
Concise
Medium
TaxCost;Sharpe
App>Phone>In-Person>Chat>Email
true
20:30-08:45
67
149
60
63
Brokerage;OpenBanking
5
Hybrid
AlertAcknowledge
2025-11-25
Success
v2.8.5
LimitOrderOnly;NoAutoTradesBelow$1k;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0935
Optimizer
100,809
1,953,685
47,817
6.4
4
12
US
Low
null
ESGOnly
PennyStocks
1.8
25.3
12.5
Wealth:10y;Estate:20y;Debt:2y
10
Collaborative
Shallow
MaxDD;IRR
Chat>Email>App
true
19:45-07:30
67
109
63
51
Brokerage;CreditBureau;OpenBanking;Payroll
2
Human
AlertAcknowledge
2025-11-24
Success
v1.10.4
LimitOrderOnly;StopLossDisabled
Enforce tax budget and position caps
A0936
Optimizer
107,579
1,273,175
49,910
13
1
12
US
Low
NoIlliquids;NoShortSelling
null
Crypto;PennyStocks
1.6
25.3
11
Wealth:10y;Estate:20y;Education:6y
10
Educational
Deep
TaxCost;Sharpe;IRR
App>Phone>Email>Chat
true
20:15-08:45
70
65
73
70
Brokerage;OpenBanking;Payroll
7
Hybrid
PlanUpdate
2025-06-20
Success
v2.10.7
NoIlliquids
Enforce tax budget and position caps
A0937
Stabilizer
89,670
288,650
15,322
6.7
1
10
US
Medium
NoIlliquids;NoShortSelling
NoFossilFuel;NoTobacco
Crypto;LeveragedETFs;PennyStocks
1.2
14
8.1
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Medium
MaxDD;Sharpe;TaxCost
App>Chat>Email
true
20:15-08:00
62
169
58
59
CreditBureau;OpenBanking
13
Human
Rebalance
2025-12-21
Partial
v1.8.9
LimitOrderOnly
Keep expenses buffer ≥ 4 months
A0938
Optimizer
168,595
3,287,280
92,862
9.5
2
12
US
Medium
AccreditedOnly
null
PennyStocks
1.7
26
10
Wealth:10y;Estate:20y;Education:6y
10
Collaborative
Medium
MaxDD;TaxCost;IRR
In-Person>Email>Chat>App>Phone
true
21:15-06:00
66
100
52
52
Brokerage;OpenBanking
6
Hybrid
PlanUpdate
2025-04-02
Success
v2.9.6
StopLossDisabled
Enforce tax budget and position caps
A0939
Builder
57,096
233,509
7,238
12.2
2
10
US
Low
null
NoFossilFuel
PrivateCredit
1.5
19.8
11.8
Home:3y;Retirement:30y;Healthcare:8y
3
Educational
Deep
Sharpe;MaxDD;TaxCost
Email>In-Person>Phone
true
19:45-06:30
66
148
76
68
OpenBanking
8
null
AutoTransfer
2025-01-14
Success
v2.8.3
NoAutoTradesBelow$1k;NoPennyStocks;StopLossDisabled
Prioritize liquidity and down payment savings
A0940
Preserver
148,026
1,220,427
125,485
8.6
1
12
US
Low
null
ESGOnly
Crypto;LeveragedETFs;PennyStocks
1.1
11
6
Retirement:15y;Emergency:1y;Debt:2y
15
Collaborative
Deep
MaxDD;TaxCost;Sharpe
App>In-Person>Email>Chat>Phone
false
21:00-06:45
74
205
80
75
Brokerage;CreditBureau;OpenBanking;Payroll
11
Human
Rebalance
2025-06-19
Success
v2.8.8
NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0941
Builder
15,911
44,378
1,850
9.6
2
10
US
Low
null
NoFossilFuel
Crypto;LeveragedETFs
1.7
15.1
11.9
Home:3y;Retirement:30y;Healthcare:8y
3
Educational
Medium
IRR;TaxCost;Sharpe
Email>Chat>App>In-Person
true
19:30-06:00
61
130
62
57
OpenBanking
18
null
PlanUpdate
2025-06-19
Success
v2.10.6
NoAutoTradesBelow$1k;NoPennyStocks;StopLossDisabled
Prioritize liquidity and down payment savings
A0942
Explorer
47,987
209,121
11,591
19.8
2
10
US
Medium
NoDerivatives
NoFossilFuel
Crypto
1.9
24.9
13.8
Business:5y;Travel:2y;Healthcare:8y
5
Educational
Medium
Sharpe;IRR
App>Email>Phone
true
21:45-06:30
67
58
67
59
CreditBureau;OpenBanking;Payroll
2
null
AutoTransfer
2025-06-18
Success
v2.8.8
NoAutoTradesBelow$1k;NoMargin;StopLossDisabled
Allow small experimental sleeve ≤ 3%
A0943
Builder
40,112
122,386
10,243
11.2
3
10
US
Low
null
NoTobacco;NoWeapons
LeveragedETFs;PennyStocks
1.8
14.2
9.9
Home:3y;Retirement:30y;Debt:2y
3
Educational
Shallow
MaxDD;IRR;TaxCost
Chat>App>In-Person>Email
true
20:00-07:15
67
116
59
56
OpenBanking
8
Human
Rebalance
2025-01-01
Failed
v2.10.8
NoAutoTradesBelow$1k
Prioritize liquidity and down payment savings
A0944
Builder
37,632
112,205
4,901
12
2
10
US
High
NoShortSelling;NoDerivatives
null
null
1.8
14.9
10.8
Home:3y;Retirement:30y;Education:6y
3
Collaborative
Shallow
TaxCost;Sharpe;MaxDD
In-Person>Phone>Chat>Email
true
20:30-06:45
58
118
63
57
CreditBureau;OpenBanking
5
Hybrid
AlertAcknowledge
2025-05-17
Success
v2.10.9
NoIlliquids;NoMargin;StopLossDisabled
Prioritize liquidity and down payment savings
A0945
Builder
101,912
204,371
11,625
9.8
1
12
US
Low
null
null
PennyStocks
1.7
18.5
10.5
Home:3y;Retirement:30y;Healthcare:8y
3
Collaborative
Medium
IRR;MaxDD;TaxCost
In-Person>Chat>App>Phone>Email
true
22:45-06:45
57
115
65
57
CreditBureau;OpenBanking;Payroll
15
null
PlanUpdate
2025-06-19
Failed
v1.8.8
LimitOrderOnly;NoMargin;NoPennyStocks
Prioritize liquidity and down payment savings
A0946
Explorer
96,098
976,942
26,891
16.6
4
10
US
Medium
NoShortSelling
null
Crypto;LeveragedETFs;PennyStocks
1.9
27.9
17
Business:5y;Travel:2y;Education:6y
5
Directive
Shallow
TaxCost;Sharpe;MaxDD
Chat>App>Email
true
19:15-06:15
67
56
63
51
OpenBanking
4
Hybrid
PlanUpdate
2025-06-24
Success
v2.9.7
NoMargin;NoPennyStocks
Allow small experimental sleeve ≤ 3%
A0947
Optimizer
81,806
1,415,770
67,133
8
3
10
US
Low
null
null
PennyStocks;PrivateCredit
1.6
22.4
13.7
Wealth:10y;Estate:20y;Education:6y
10
Collaborative
Medium
TaxCost;MaxDD
Phone>Chat>Email
false
22:30-08:30
70
67
74
62
Brokerage;CreditBureau;OpenBanking;Payroll
2
Hybrid
AutoTransfer
2025-09-29
Success
v2.10.1
NoAutoTradesBelow$1k;PauseWhenVIX>30;StopLossDisabled
Enforce tax budget and position caps
A0948
Optimizer
217,298
2,382,980
157,293
7.3
3
12
US
Low
NoShortSelling
NoFossilFuel
LeveragedETFs;PennyStocks
1.6
27.6
11.3
Wealth:10y;Estate:20y
10
Collaborative
Medium
Sharpe;IRR
Phone>App>Email
true
22:45-08:15
62
77
73
65
Brokerage;OpenBanking
6
null
Rebalance
2025-07-26
Success
v2.8.5
NoAutoTradesBelow$1k;StopLossDisabled
Enforce tax budget and position caps
A0949
Explorer
69,262
157,703
19,951
15.5
4
10
UK
Low
null
NoTobacco;NoFossilFuel
LeveragedETFs;PennyStocks
1.9
30.9
17.8
Business:5y;Travel:2y;Education:6y
5
Collaborative
Medium
TaxCost;Sharpe;MaxDD
Email>In-Person>App
false
23:30-08:00
62
65
59
48
OpenBanking
1
Hybrid
Rebalance
2025-04-13
Success
v2.10.2
NoPennyStocks
Allow small experimental sleeve ≤ 3%
A0950
Stabilizer
61,260
434,972
19,572
7.7
1
10
US
Low
AccreditedOnly;NoShortSelling
NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.1
9.1
8.1
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Deep
MaxDD;TaxCost;Sharpe
Email>Chat>Phone>In-Person>App
true
21:30-08:15
61
114
47
41
CreditBureau;OpenBanking;Payroll
16
Hybrid
AlertAcknowledge
2025-07-26
Success
v2.9.5
NoIlliquids;StopLossDisabled
Keep expenses buffer ≥ 4 months
A0951
Optimizer
85,266
741,332
42,074
9.2
2
10
US
Low
AccreditedOnly
null
LeveragedETFs;PennyStocks
1.8
26.4
11.6
Wealth:10y;Estate:20y;Education:6y
10
Educational
Shallow
Sharpe;IRR;MaxDD
Chat>App>Email>In-Person
true
23:00-08:30
72
108
62
60
Brokerage;CreditBureau;OpenBanking
3
Human
PlanUpdate
2025-06-14
Partial
v1.9.7
NoIlliquids
Enforce tax budget and position caps
A0952
Stabilizer
52,739
153,616
18,216
8.8
1
10
IN
Low
NoIlliquids
null
Crypto;LeveragedETFs;PennyStocks
1
12.9
8.4
Retirement:15y;Emergency:1y;Healthcare:8y
15
Directive
Medium
Sharpe;TaxCost
Email>In-Person>Chat>Phone
false
22:45-06:15
55
157
65
57
OpenBanking;Payroll
12
null
PlanUpdate
2025-10-25
Success
v2.9.6
LimitOrderOnly;PauseWhenVIX>30
Keep expenses buffer ≥ 4 months
A0953
Builder
81,858
399,373
14,117
10.2
1
10
US
Low
NoDerivatives
NoWeapons
LeveragedETFs
1.8
14.7
8.7
Home:3y;Retirement:30y;Healthcare:8y
3
Collaborative
Medium
Sharpe;IRR
In-Person>Email>App>Phone>Chat
true
23:45-06:45
73
125
80
80
CreditBureau;OpenBanking;Payroll
11
Hybrid
AutoTransfer
2025-01-17
Partial
v2.10.5
NoIlliquids
Prioritize liquidity and down payment savings
A0954
Explorer
88,660
245,389
20,135
14
2
10
US
Medium
null
null
LeveragedETFs
1.8
29.9
12.6
Business:5y;Travel:2y;Debt:2y
5
Concise
Medium
MaxDD;IRR
Phone>Email>Chat>In-Person>App
false
19:30-08:45
56
89
64
55
OpenBanking
3
null
AlertAcknowledge
2025-10-21
Partial
v2.10.3
LimitOrderOnly;StopLossDisabled
Allow small experimental sleeve ≤ 3%
A0955
Builder
73,668
136,372
6,239
10.3
2
10
US
Low
null
null
Crypto
1.4
16.9
11
Home:3y;Retirement:30y;Healthcare:8y
3
Educational
Medium
Sharpe;TaxCost
Email>App>Phone
true
21:15-07:15
60
117
66
66
OpenBanking;Payroll
19
Hybrid
PlanUpdate
2025-06-22
Partial
v2.8.9
NoIlliquids;NoPennyStocks
Prioritize liquidity and down payment savings
A0956
Optimizer
43,255
263,923
11,240
8.6
4
10
US
Low
NoDerivatives
NoFossilFuel;ESGOnly
LeveragedETFs;PennyStocks
1.8
21.6
10.2
Wealth:10y;Estate:20y;Healthcare:8y
10
Directive
Shallow
MaxDD;Sharpe
App>Chat>In-Person
false
23:00-07:30
72
98
69
64
Brokerage;OpenBanking
4
Human
AlertAcknowledge
2025-06-03
Success
v2.8.9
NoMargin;PauseWhenVIX>30;StopLossDisabled
Enforce tax budget and position caps
A0957
Builder
75,611
135,958
12,625
12.8
2
10
US
Medium
NoShortSelling;AccreditedOnly
null
PennyStocks;PrivateCredit
1.7
17.6
10.9
Home:3y;Retirement:30y;Healthcare:8y
3
Educational
Shallow
TaxCost;Sharpe;MaxDD
Phone>In-Person>Chat>Email>App
true
20:45-07:15
53
128
58
50
CreditBureau;OpenBanking
5
Hybrid
PlanUpdate
2025-01-13
Partial
v1.10.6
NoMargin
Prioritize liquidity and down payment savings
A0958
Preserver
123,767
1,111,523
73,334
6.5
2
12
US
Low
NoIlliquids
null
Crypto;LeveragedETFs;PennyStocks
0.9
17
6.1
Retirement:15y;Emergency:1y
15
Educational
Deep
MaxDD;TaxCost;Sharpe
Email>App>Chat
true
23:30-08:15
81
203
91
93
Brokerage;OpenBanking
13
null
AlertAcknowledge
2025-11-01
Success
v2.9.1
LimitOrderOnly;NoAutoTradesBelow$1k;NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0959
Explorer
48,964
89,551
6,433
12.8
3
10
IN
Low
null
null
null
2
20.8
16.9
Business:5y;Travel:2y
5
Educational
Shallow
Sharpe;MaxDD
Email>Chat>App>In-Person
false
20:15-07:00
55
56
44
44
CreditBureau;OpenBanking;Payroll
7
null
PlanUpdate
2025-12-23
Success
v1.10.4
NoIlliquids;NoMargin
Allow small experimental sleeve ≤ 3%
A0960
Builder
67,471
56,701
3,216
8.9
2
10
US
Low
null
NoFossilFuel;ESGOnly
null
1.5
17.3
10.4
Home:3y;Retirement:30y;Healthcare:8y
3
Concise
Medium
IRR;MaxDD
App>In-Person>Phone
false
19:00-08:15
58
111
52
52
OpenBanking;Payroll
18
Hybrid
Rebalance
2025-09-22
Success
v1.9.7
PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0961
Explorer
28,602
187,044
11,479
13.8
3
10
US
Low
null
NoTobacco
PennyStocks
1.9
25.3
12
Business:5y;Travel:2y;Education:6y
5
Collaborative
Shallow
TaxCost;Sharpe;MaxDD
Chat>Phone>In-Person>Email
true
20:00-08:30
64
69
76
74
CreditBureau;OpenBanking
7
null
AlertAcknowledge
2025-02-12
Failed
v2.8.6
NoAutoTradesBelow$1k
Allow small experimental sleeve ≤ 3%
A0962
Preserver
60,355
303,582
22,128
3.5
4
10
DE
Low
AccreditedOnly
NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.2
15
6.3
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Deep
Sharpe;TaxCost
App>In-Person>Email>Phone>Chat
true
21:45-08:30
70
171
71
62
Brokerage;CreditBureau;OpenBanking
10
Hybrid
PlanUpdate
2025-09-14
Success
v1.10.8
NoAutoTradesBelow$1k;NoMargin;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0963
Preserver
86,708
562,111
40,138
6.6
4
10
US
Medium
NoShortSelling
null
Crypto;LeveragedETFs;PennyStocks
1
12
6.9
Retirement:15y;Emergency:1y;Debt:2y
15
Directive
Medium
MaxDD;TaxCost
Phone>App>Email>Chat
false
20:15-06:45
74
220
70
65
Brokerage;CreditBureau;OpenBanking
13
Human
AlertAcknowledge
2025-05-12
Success
v2.9.6
NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0964
Builder
57,561
152,560
7,304
10.2
2
10
CA
Low
NoShortSelling
null
null
1.4
24.2
10.3
Home:3y;Retirement:30y;Healthcare:8y
3
Educational
Deep
TaxCost;Sharpe;MaxDD
App>Chat>Email
false
22:45-07:30
71
138
61
59
OpenBanking
6
null
Rebalance
2025-08-23
Partial
v2.8.8
NoMargin;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0965
Stabilizer
84,770
325,465
16,082
6.9
3
10
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1.2
15.1
5.6
Retirement:15y;Emergency:1y;Education:6y
15
Concise
Shallow
Sharpe;TaxCost
Phone>Chat>In-Person>App
false
22:00-06:45
67
106
60
52
OpenBanking;Payroll
14
Hybrid
AutoTransfer
2025-05-14
Partial
v2.9.6
NoAutoTradesBelow$1k;NoMargin;NoPennyStocks
Keep expenses buffer ≥ 4 months
A0966
Explorer
38,788
211,565
17,690
18
4
10
UK
Medium
NoDerivatives;AccreditedOnly
null
LeveragedETFs;PennyStocks
1.9
24.1
16.5
Business:5y;Travel:2y
5
Educational
Medium
Sharpe;MaxDD
Chat>App>Phone
false
19:15-07:00
56
80
67
59
CreditBureau;OpenBanking;Payroll
4
null
Rebalance
2025-06-27
Failed
v2.10.3
PauseWhenVIX>30;StopLossDisabled
Allow small experimental sleeve ≤ 3%
A0967
Preserver
86,121
466,437
20,415
6.1
4
10
US
Low
NoShortSelling
null
Crypto;LeveragedETFs;PennyStocks
1.2
14.1
9
Retirement:15y;Emergency:1y
15
Concise
Medium
MaxDD;Sharpe;TaxCost
Chat>In-Person>Phone
true
19:00-08:00
77
168
66
65
Brokerage;OpenBanking
4
Human
AutoTransfer
2025-10-20
Success
v1.8.9
LimitOrderOnly;NoIlliquids;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0968
Preserver
81,152
455,776
17,172
4.9
4
10
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1
12.5
5
Retirement:15y;Emergency:1y;Education:6y
15
Directive
Medium
MaxDD;Sharpe
Phone>In-Person>App>Chat
true
19:45-08:15
81
180
77
74
Brokerage;OpenBanking
9
Human
AlertAcknowledge
2025-11-02
Success
v1.9.1
LimitOrderOnly;PauseWhenVIX>30;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0969
Builder
83,918
135,384
16,681
7.3
4
10
US
Low
null
ESGOnly
null
1.5
22.3
7.6
Home:3y;Retirement:30y;Debt:2y
3
Concise
Deep
IRR;MaxDD
Email>Phone>In-Person>Chat>App
true
21:15-07:15
57
96
48
44
CreditBureau;OpenBanking
7
Hybrid
AutoTransfer
2025-05-31
Success
v1.9.5
NoIlliquids;NoMargin;StopLossDisabled
Prioritize liquidity and down payment savings
A0970
Optimizer
245,369
2,593,770
131,544
9.8
3
12
US
Low
null
NoTobacco;NoFossilFuel
Crypto;PennyStocks;PrivateCredit
1.8
26.7
12.4
Wealth:10y;Estate:20y;Education:6y
10
Concise
Medium
IRR;Sharpe;MaxDD
In-Person>App>Email>Phone>Chat
false
20:15-06:30
63
97
54
53
Brokerage;CreditBureau;OpenBanking;Payroll
7
Hybrid
PlanUpdate
2025-03-04
Partial
v1.10.3
PauseWhenVIX>30
Enforce tax budget and position caps
A0971
Builder
143,546
821,316
18,976
8.5
4
12
US
Low
AccreditedOnly;NoDerivatives
null
PennyStocks;PrivateCredit
1.4
13.7
11.1
Home:3y;Retirement:30y;Education:6y
3
Concise
Shallow
Sharpe;TaxCost
Chat>App>Email>In-Person
true
19:00-07:15
71
114
61
50
OpenBanking;Payroll
16
Hybrid
AlertAcknowledge
2025-01-14
Partial
v2.9.4
LimitOrderOnly;NoMargin
Prioritize liquidity and down payment savings
A0972
Stabilizer
37,845
153,648
12,359
6.2
3
10
US
Low
null
NoTobacco;ESGOnly
Crypto;LeveragedETFs;PennyStocks
1.1
9.7
8.9
Retirement:15y;Emergency:1y
15
Educational
Shallow
MaxDD;TaxCost;Sharpe
App>Email>Phone>In-Person>Chat
true
21:30-06:00
65
152
63
56
OpenBanking
8
Hybrid
AutoTransfer
2025-02-10
Success
v1.10.3
NoMargin;NoPennyStocks
Keep expenses buffer ≥ 4 months
A0973
Builder
64,756
266,223
11,101
8.9
4
10
US
Medium
null
NoTobacco;NoWeapons
null
1.6
14.8
9.6
Home:3y;Retirement:30y;Debt:2y
3
Directive
Shallow
MaxDD;TaxCost
App>Phone>Email
true
20:30-07:45
53
120
49
48
OpenBanking
20
null
PlanUpdate
2025-03-07
Partial
v1.8.3
NoMargin
Prioritize liquidity and down payment savings
A0974
Preserver
63,258
355,539
35,740
7.6
2
10
DE
Low
null
NoTobacco;NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
0.9
8.6
8.6
Retirement:15y;Emergency:1y;Debt:2y
15
Concise
Medium
Sharpe;MaxDD;TaxCost
Email>Chat>App
true
20:45-06:30
80
218
80
85
Brokerage;CreditBureau;OpenBanking;Payroll
5
Hybrid
AutoTransfer
2025-09-21
Success
v2.9.9
NoAutoTradesBelow$1k;NoMargin;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A0975
Optimizer
116,731
1,136,523
82,402
10.2
2
12
US
Medium
NoDerivatives
NoFossilFuel;NoWeapons
PennyStocks
1.6
23.3
10.9
Wealth:10y;Estate:20y
10
Educational
Deep
TaxCost;Sharpe;IRR
Chat>App>Phone
true
19:00-07:30
57
91
48
37
Brokerage;CreditBureau;OpenBanking
7
Human
PlanUpdate
2025-09-28
Partial
v1.8.6
LimitOrderOnly;NoAutoTradesBelow$1k;NoIlliquids
Enforce tax budget and position caps
A0976
Explorer
80,042
373,896
17,016
15.6
1
10
CA
Medium
NoDerivatives
null
null
2.1
21.1
13.9
Business:5y;Travel:2y;Education:6y
5
Concise
Shallow
TaxCost;MaxDD
Phone>App>Chat>In-Person
false
19:00-08:00
62
73
70
69
CreditBureau;OpenBanking
6
Human
PlanUpdate
2025-09-19
Success
v1.8.9
NoPennyStocks
Allow small experimental sleeve ≤ 3%
A0977
Preserver
101,986
904,117
56,740
5.7
2
12
US
Low
NoDerivatives;NoShortSelling
ESGOnly
Crypto;LeveragedETFs;PennyStocks
1
10.8
7.2
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Deep
TaxCost;Sharpe
In-Person>Email>Phone>Chat
false
22:15-08:15
79
144
85
85
Brokerage;OpenBanking
7
Human
Rebalance
2025-11-17
Success
v1.9.4
NoMargin;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A0978
Builder
64,727
182,296
8,410
9.2
3
10
UK
Low
null
null
LeveragedETFs
1.6
19.5
10.8
Home:3y;Retirement:30y;Education:6y
3
Concise
Medium
MaxDD;TaxCost
In-Person>Phone>Email>App>Chat
false
19:30-07:45
73
131
59
58
OpenBanking
19
null
AutoTransfer
2025-07-10
Partial
v1.8.9
LimitOrderOnly;NoIlliquids;NoMargin
Prioritize liquidity and down payment savings
A0979
Stabilizer
136,335
310,790
34,041
7.8
1
12
US
Low
null
NoFossilFuel;NoTobacco
Crypto;LeveragedETFs;PennyStocks
1
14.8
5.7
Retirement:15y;Emergency:1y;Education:6y
15
Directive
Shallow
MaxDD;Sharpe;TaxCost
App>In-Person>Phone>Email>Chat
true
21:45-07:15
62
139
70
61
OpenBanking
9
Hybrid
AlertAcknowledge
2025-01-24
Partial
v2.10.9
NoAutoTradesBelow$1k;NoIlliquids;NoMargin;StopLossDisabled
Keep expenses buffer ≥ 4 months
A0980
Optimizer
172,904
3,807,907
126,317
7.2
3
12
US
Low
NoIlliquids
NoTobacco;ESGOnly
PennyStocks
1.6
24.5
11.7
Wealth:10y;Estate:20y;Education:6y
10
Concise
Deep
IRR;Sharpe
App>In-Person>Chat>Phone>Email
true
20:45-07:30
72
87
73
71
Brokerage;CreditBureau;OpenBanking
5
Human
PlanUpdate
2025-04-09
Success
v2.9.1
NoIlliquids;NoMargin;StopLossDisabled
Enforce tax budget and position caps
A0981
Builder
58,530
186,860
13,719
7.8
4
10
US
Low
NoIlliquids;NoShortSelling
NoTobacco
PrivateCredit
1.6
13.4
9.6
Home:3y;Retirement:30y;Healthcare:8y
3
Educational
Medium
MaxDD;Sharpe
In-Person>Chat>Email>Phone
true
19:15-08:00
67
66
64
56
OpenBanking;Payroll
17
Human
AutoTransfer
2025-10-07
Success
v1.8.2
LimitOrderOnly;PauseWhenVIX>30;StopLossDisabled
Prioritize liquidity and down payment savings
A0982
Optimizer
122,040
1,507,583
76,744
6.9
3
12
US
Low
null
null
PennyStocks
1.6
26.1
9.7
Wealth:10y;Estate:20y;Healthcare:8y
10
Concise
Medium
TaxCost;MaxDD
Email>Phone>App>Chat
true
22:30-07:45
69
89
61
52
Brokerage;CreditBureau;OpenBanking
4
Hybrid
AlertAcknowledge
2025-01-24
Failed
v2.8.8
LimitOrderOnly;StopLossDisabled
Enforce tax budget and position caps
A0983
Builder
97,919
272,258
30,805
10.5
3
10
US
Medium
NoDerivatives
ESGOnly
LeveragedETFs;PrivateCredit
1.6
18.1
11.2
Home:3y;Retirement:30y
3
Concise
Medium
TaxCost;IRR;Sharpe
Phone>In-Person>Chat
false
22:15-08:30
55
104
40
31
CreditBureau;OpenBanking
14
Human
AlertAcknowledge
2025-11-04
Success
v2.8.6
StopLossDisabled
Prioritize liquidity and down payment savings
A0984
Builder
87,064
146,436
9,483
14.3
2
10
US
Low
AccreditedOnly;NoDerivatives
ESGOnly;NoFossilFuel
null
1.5
19.5
8.8
Home:3y;Retirement:30y;Healthcare:8y
3
Educational
Medium
TaxCost;Sharpe;MaxDD
Phone>In-Person>Chat>App>Email
true
21:15-07:30
61
128
56
53
CreditBureau;OpenBanking
5
null
AlertAcknowledge
2025-03-23
Partial
v2.9.8
NoIlliquids
Prioritize liquidity and down payment savings
A0985
Optimizer
97,485
708,006
61,632
7.4
4
10
US
Medium
null
NoFossilFuel;NoWeapons
LeveragedETFs;PennyStocks;PrivateCredit
1.5
17
12.3
Wealth:10y;Estate:20y;Healthcare:8y
10
Educational
Medium
MaxDD;TaxCost
Email>Chat>In-Person>Phone
true
23:45-08:45
69
63
67
58
Brokerage;CreditBureau;OpenBanking
5
null
PlanUpdate
2025-12-17
Success
v2.8.5
StopLossDisabled
Enforce tax budget and position caps
A0986
Preserver
48,528
651,720
49,076
6.7
1
10
US
High
null
null
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1.1
12.4
7.4
Retirement:15y;Emergency:1y
15
Educational
Medium
MaxDD;TaxCost
In-Person>App>Chat
true
19:45-06:30
70
128
68
69
Brokerage;CreditBureau;OpenBanking
11
null
AutoTransfer
2025-11-10
Partial
v2.10.4
LimitOrderOnly;NoAutoTradesBelow$1k;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0987
Optimizer
66,680
685,954
43,665
7
4
10
US
Low
null
NoWeapons
LeveragedETFs;PennyStocks
1.7
24.3
10.3
Wealth:10y;Estate:20y
10
Concise
Medium
Sharpe;MaxDD;TaxCost
Chat>Phone>App>Email>In-Person
true
19:45-06:15
75
94
85
80
Brokerage;OpenBanking
3
Hybrid
AlertAcknowledge
2025-07-02
Success
v1.8.6
NoAutoTradesBelow$1k;NoIlliquids
Enforce tax budget and position caps
A0988
Preserver
104,651
812,064
78,593
5.6
2
12
US
Low
AccreditedOnly
null
Crypto;LeveragedETFs;PennyStocks
1
17.2
8.7
Retirement:15y;Emergency:1y;Debt:2y
15
Collaborative
Shallow
Sharpe;MaxDD;TaxCost
Phone>In-Person>App>Email
true
23:45-07:00
74
146
68
69
Brokerage;CreditBureau;OpenBanking;Payroll
10
null
Rebalance
2025-01-20
Success
v1.8.4
LimitOrderOnly;NoIlliquids;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0989
Builder
29,615
55,951
3,536
6.9
4
10
US
Low
null
null
null
1.7
14.8
9.2
Home:3y;Retirement:30y;Healthcare:8y
3
Collaborative
Medium
TaxCost;Sharpe
Email>Chat>Phone
false
22:45-06:00
66
64
67
64
OpenBanking;Payroll
14
null
AutoTransfer
2025-04-26
Partial
v2.8.6
NoIlliquids
Prioritize liquidity and down payment savings
A0990
Optimizer
111,725
1,965,658
68,786
8.9
3
12
US
Low
null
NoWeapons;ESGOnly
PennyStocks
1.8
21.6
13.8
Wealth:10y;Estate:20y;Education:6y
10
Directive
Medium
TaxCost;IRR
Email>App>In-Person>Phone>Chat
true
22:15-07:15
73
107
78
75
Brokerage;CreditBureau;OpenBanking
5
Human
PlanUpdate
2025-09-09
Partial
v2.8.8
LimitOrderOnly;NoMargin
Enforce tax budget and position caps
A0991
Optimizer
96,106
1,348,633
42,690
5.7
4
10
US
Low
null
NoFossilFuel;NoTobacco
PennyStocks
1.6
23.1
12.1
Wealth:10y;Estate:20y;Debt:2y
10
Collaborative
Medium
IRR;TaxCost
Email>App>Phone
true
21:00-08:00
60
66
65
58
Brokerage;OpenBanking
5
null
PlanUpdate
2025-11-18
Success
v1.8.8
LimitOrderOnly;NoIlliquids;PauseWhenVIX>30
Enforce tax budget and position caps
A0992
Preserver
147,222
1,075,390
71,105
6.7
1
12
US
Medium
null
null
Crypto;LeveragedETFs;PennyStocks
1
11.2
8.9
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Deep
TaxCost;MaxDD;Sharpe
Chat>App>Phone
true
20:30-07:45
71
121
57
57
Brokerage;OpenBanking
13
Hybrid
Rebalance
2025-01-21
Success
v2.9.1
StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0993
Preserver
58,266
388,007
48,812
7.1
1
10
UK
Low
NoDerivatives;AccreditedOnly
ESGOnly
Crypto;LeveragedETFs;PennyStocks
1
15.4
7.3
Retirement:15y;Emergency:1y
15
Collaborative
Medium
TaxCost;MaxDD
In-Person>App>Phone>Email>Chat
true
19:00-06:15
73
191
69
69
Brokerage;OpenBanking
9
null
AutoTransfer
2025-08-14
Success
v1.9.7
NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0994
Preserver
45,583
278,186
40,466
6.6
2
10
CA
Medium
null
NoFossilFuel;ESGOnly
Crypto;LeveragedETFs;PennyStocks
0.9
10.6
7.6
Retirement:15y;Emergency:1y;Healthcare:8y
15
Concise
Medium
TaxCost;MaxDD;Sharpe
Phone>In-Person>App>Chat>Email
true
20:15-06:30
67
221
62
64
Brokerage;OpenBanking
7
Human
PlanUpdate
2025-02-20
Success
v2.8.8
NoAutoTradesBelow$1k;NoIlliquids;NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0995
Builder
54,784
97,989
5,105
7.2
4
10
US
Low
null
NoTobacco
null
1.4
13.1
8.9
Home:3y;Retirement:30y;Education:6y
3
Directive
Deep
IRR;Sharpe
Email>Chat>App
false
22:15-07:30
70
125
58
54
OpenBanking;Payroll
11
Human
Rebalance
2025-09-26
Failed
v2.10.4
NoAutoTradesBelow$1k;NoIlliquids;StopLossDisabled
Prioritize liquidity and down payment savings
A0996
Preserver
127,249
821,777
27,036
4.7
4
12
US
Medium
null
ESGOnly
Crypto;LeveragedETFs;PennyStocks
1
11.3
6
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Medium
Sharpe;MaxDD;TaxCost
Email>App>Chat
true
22:00-08:15
68
177
57
53
Brokerage;CreditBureau;OpenBanking
10
Hybrid
AutoTransfer
2025-10-02
Partial
v2.9.7
LimitOrderOnly;NoAutoTradesBelow$1k;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0997
Optimizer
205,861
2,901,279
107,067
8.1
1
12
US
Low
NoDerivatives;AccreditedOnly
NoTobacco
Crypto;PennyStocks
1.8
25.5
12
Wealth:10y;Estate:20y;Healthcare:8y
10
Collaborative
Medium
TaxCost;Sharpe;MaxDD
Phone>Chat>Email>App
true
21:30-06:00
71
116
70
60
Brokerage;CreditBureau;OpenBanking;Payroll
1
Human
AutoTransfer
2025-05-10
Success
v2.10.9
LimitOrderOnly;NoIlliquids;PauseWhenVIX>30
Enforce tax budget and position caps
A0998
Preserver
68,615
369,719
51,421
4.4
4
10
IN
Medium
AccreditedOnly;NoDerivatives
null
Crypto;LeveragedETFs;PennyStocks
1.2
15.2
8.9
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Medium
TaxCost;Sharpe;MaxDD
Chat>App>Phone>Email
true
21:15-08:30
66
201
51
50
Brokerage;OpenBanking;Payroll
11
Hybrid
AlertAcknowledge
2025-11-26
Partial
v2.8.7
LimitOrderOnly;PauseWhenVIX>30;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0999
Stabilizer
89,099
313,509
22,265
10.3
1
10
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1
14.8
7.3
Retirement:15y;Emergency:1y
15
Collaborative
Medium
TaxCost;Sharpe;MaxDD
Phone>Email>App>Chat
false
19:00-07:00
53
130
58
59
CreditBureau;OpenBanking;Payroll
15
Human
PlanUpdate
2025-07-22
Partial
v1.10.2
NoMargin;PauseWhenVIX>30;StopLossDisabled
Keep expenses buffer ≥ 4 months
A1000
Builder
40,129
77,000
5,420
11.8
3
10
SG
Medium
null
null
PennyStocks
1.7
19.7
7.2
Home:3y;Retirement:30y;Education:6y
3
Directive
Deep
IRR;Sharpe
Email>Phone>App>Chat
true
19:30-07:45
66
136
70
70
OpenBanking;Payroll
14
null
Rebalance
2025-12-17
Success
v2.8.9
LimitOrderOnly;NoMargin
Prioritize liquidity and down payment savings