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
A0101
Preserver
127,621
1,583,317
78,132
4.9
3
12
US
High
NoShortSelling;NoDerivatives
NoWeapons;ESGOnly
Crypto;LeveragedETFs;PennyStocks
1.1
8.1
8.3
Retirement:15y;Emergency:1y;Education:6y
15
Collaborative
Deep
Sharpe;TaxCost;MaxDD
Phone>Email>App>In-Person>Chat
false
21:45-07:15
56
239
57
58
Brokerage;CreditBureau;OpenBanking
4
Human
Rebalance
2025-03-11
Success
v1.9.3
NoMargin;NoPennyStocks;PauseWhenVIX>30;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0102
Preserver
44,749
411,741
16,328
6.8
2
10
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1.2
8.1
5.8
Retirement:15y;Emergency:1y;Healthcare:8y
15
Educational
Medium
Sharpe;TaxCost
Email>App>Phone>Chat>In-Person
true
21:45-07:00
73
197
60
55
Brokerage;OpenBanking
10
Hybrid
PlanUpdate
2025-07-01
Success
v1.10.2
LimitOrderOnly;NoAutoTradesBelow$1k
Maintain ≥ 12m cash runway and low drawdown
A0103
Builder
91,173
201,679
18,375
9.6
1
10
US
Medium
NoDerivatives
null
PrivateCredit
1.5
22.1
11.7
Home:3y;Retirement:30y;Healthcare:8y
3
Educational
Medium
MaxDD;Sharpe;IRR
App>Phone>Chat>Email>In-Person
true
22:15-07:45
62
86
57
47
OpenBanking
20
Human
PlanUpdate
2025-06-27
Success
v1.10.6
NoIlliquids;NoPennyStocks;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0104
Explorer
213,040
399,968
53,933
16
1
12
US
Low
null
ESGOnly;NoFossilFuel
null
1.8
28.1
13
Business:5y;Travel:2y;Healthcare:8y
5
Educational
Medium
MaxDD;TaxCost;IRR
Email>App>Chat
true
22:45-07:30
58
58
66
63
OpenBanking
6
null
PlanUpdate
2025-05-06
Success
v2.8.6
PauseWhenVIX>30
Allow small experimental sleeve ≤ 3%
A0105
Preserver
97,748
1,123,910
124,389
7.1
2
10
US
High
null
ESGOnly;NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
0.9
14.7
8.1
Retirement:15y;Emergency:1y
15
Concise
Medium
Sharpe;TaxCost
In-Person>Chat>App>Phone
true
19:00-06:15
58
161
49
43
Brokerage;OpenBanking
3
Human
PlanUpdate
2025-03-07
Success
v1.9.2
LimitOrderOnly;NoAutoTradesBelow$1k;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0106
Optimizer
122,647
1,767,608
35,575
8.2
2
15
DE
Medium
null
null
PennyStocks
1.7
15.8
13
Wealth:10y;Estate:20y
10
Concise
Deep
IRR;TaxCost;Sharpe
Chat>Phone>Email>In-Person
true
23:30-06:15
55
75
65
55
Brokerage;OpenBanking
2
Hybrid
Rebalance
2025-05-19
Success
v2.9.8
NoIlliquids;StopLossDisabled
Enforce tax budget and position caps
A0107
Stabilizer
78,858
299,871
31,458
6.3
3
10
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1
9.8
6.8
Retirement:15y;Emergency:1y;Healthcare:8y
15
Collaborative
Medium
TaxCost;Sharpe
Chat>In-Person>App
true
20:45-07:15
59
140
68
67
CreditBureau;OpenBanking
10
Human
AlertAcknowledge
2025-03-09
Failed
v1.9.7
NoIlliquids;NoMargin
Keep expenses buffer ≥ 4 months
A0108
Stabilizer
33,455
165,820
21,231
7.5
2
10
US
Low
null
NoTobacco
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1.2
10.8
9
Retirement:15y;Emergency:1y
15
Collaborative
Deep
MaxDD;TaxCost
Email>In-Person>App>Chat>Phone
false
19:45-08:30
59
178
50
43
OpenBanking;Payroll
13
Human
Rebalance
2025-05-06
Success
v2.8.8
NoAutoTradesBelow$1k
Keep expenses buffer ≥ 4 months
A0109
Builder
80,158
122,178
14,579
11.2
2
10
US
Medium
AccreditedOnly;NoShortSelling
NoFossilFuel
null
1.8
18.1
10.8
Home:3y;Retirement:30y;Healthcare:8y
3
Concise
Shallow
MaxDD;Sharpe;IRR
Phone>Email>Chat>App>In-Person
true
22:30-06:15
60
69
50
38
OpenBanking;Payroll
8
Human
PlanUpdate
2025-07-11
Failed
v2.9.9
NoIlliquids;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0110
Preserver
51,939
587,551
28,766
5.1
4
10
US
Low
NoShortSelling
null
Crypto;LeveragedETFs;PennyStocks
1
10.9
7.7
Retirement:15y;Emergency:1y;Healthcare:8y
15
Directive
Deep
MaxDD;TaxCost
Email>Chat>In-Person
false
20:30-06:00
82
152
82
75
Brokerage;OpenBanking
7
Human
PlanUpdate
2025-08-11
Success
v2.8.6
NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0111
Stabilizer
61,106
225,186
18,081
6.5
1
10
US
Low
null
NoWeapons;ESGOnly
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
0.9
11.6
8.9
Retirement:15y;Emergency:1y
15
Directive
Medium
MaxDD;Sharpe
In-Person>Chat>App>Email>Phone
true
19:15-06:15
68
180
72
71
OpenBanking
20
Human
AlertAcknowledge
2025-04-29
Success
v2.10.8
NoIlliquids;NoMargin;StopLossDisabled
Keep expenses buffer ≥ 4 months
A0112
Builder
115,761
555,383
22,606
8.8
2
12
US
Low
NoDerivatives;NoIlliquids
NoWeapons
null
1.7
18
11.1
Home:3y;Retirement:30y;Education:6y
3
Concise
Shallow
Sharpe;MaxDD
Email>In-Person>Phone>Chat>App
true
22:00-07:00
71
142
66
61
OpenBanking
15
Hybrid
Rebalance
2025-07-26
Partial
v1.8.1
LimitOrderOnly;NoMargin;StopLossDisabled
Prioritize liquidity and down payment savings
A0113
Optimizer
83,482
868,865
48,254
11.2
1
10
US
Low
NoShortSelling
NoWeapons
PennyStocks;PrivateCredit
1.5
27.6
12.7
Wealth:10y;Estate:20y
10
Collaborative
Medium
Sharpe;TaxCost;IRR
Chat>Email>In-Person>App
true
22:00-07:15
76
98
62
52
Brokerage;OpenBanking
1
Hybrid
AlertAcknowledge
2025-01-08
Success
v2.9.5
NoIlliquids
Enforce tax budget and position caps
A0114
Optimizer
154,913
1,110,719
92,315
5.9
4
12
US
Medium
null
null
PennyStocks
1.8
25.5
13.4
Wealth:10y;Estate:20y;Debt:2y
10
Directive
Medium
TaxCost;IRR
Phone>Chat>Email>App
true
21:00-07:00
67
100
69
59
Brokerage;OpenBanking
5
Hybrid
Rebalance
2025-01-20
Partial
v1.8.3
NoIlliquids;PauseWhenVIX>30
Enforce tax budget and position caps
A0115
Stabilizer
111,898
368,545
15,942
5.2
4
15
DE
Low
NoIlliquids;NoShortSelling
NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
1.1
15.4
5.3
Retirement:15y;Emergency:1y
15
Concise
Shallow
MaxDD;Sharpe
Email>Chat>Phone>App
true
23:00-08:30
61
170
51
48
CreditBureau;OpenBanking
5
null
PlanUpdate
2025-03-29
Success
v1.8.6
LimitOrderOnly;NoAutoTradesBelow$1k;NoIlliquids;NoMargin
Keep expenses buffer ≥ 4 months
A0116
Preserver
110,359
1,557,326
73,040
4.7
3
12
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1.1
8.8
8.2
Retirement:15y;Emergency:1y;Education:6y
15
Concise
Medium
Sharpe;MaxDD
Chat>Phone>In-Person>Email
false
22:30-07:15
70
234
58
48
Brokerage;CreditBureau;OpenBanking
12
null
AutoTransfer
2025-07-25
Failed
v2.8.3
NoIlliquids
Maintain ≥ 12m cash runway and low drawdown
A0117
Preserver
57,046
331,966
36,767
7.8
1
10
US
Low
NoIlliquids
NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
1.1
9.5
6.8
Retirement:15y;Emergency:1y;Healthcare:8y
15
Educational
Deep
TaxCost;MaxDD;Sharpe
App>In-Person>Phone
true
20:45-08:30
69
141
71
72
Brokerage;CreditBureau;OpenBanking
12
Human
PlanUpdate
2025-01-11
Success
v1.10.1
LimitOrderOnly
Maintain ≥ 12m cash runway and low drawdown
A0118
Stabilizer
63,599
664,422
21,010
6.2
3
10
US
Low
NoShortSelling
NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
1.1
8.7
6
Retirement:15y;Emergency:1y;Healthcare:8y
15
Concise
Deep
TaxCost;Sharpe
Email>App>Chat>In-Person>Phone
true
21:00-07:00
65
172
73
76
CreditBureau;OpenBanking;Payroll
17
Human
AlertAcknowledge
2025-11-25
Success
v2.8.8
NoMargin;PauseWhenVIX>30
Keep expenses buffer ≥ 4 months
A0119
Stabilizer
166,533
1,225,375
51,430
7
2
12
US
Low
null
NoTobacco
Crypto;LeveragedETFs;PennyStocks
1.1
18
9
Retirement:15y;Emergency:1y
15
Concise
Medium
Sharpe;TaxCost;MaxDD
App>Phone>Chat>In-Person>Email
true
23:15-08:45
62
152
51
50
CreditBureau;OpenBanking
17
null
AlertAcknowledge
2025-06-15
Success
v2.8.3
LimitOrderOnly;NoIlliquids;PauseWhenVIX>30
Keep expenses buffer ≥ 4 months
A0120
Builder
26,601
47,857
5,577
14
1
10
US
Low
null
NoWeapons
LeveragedETFs;PrivateCredit
1.7
14.4
10.4
Home:3y;Retirement:30y;Healthcare:8y
3
Educational
Deep
TaxCost;Sharpe
Chat>Phone>Email>In-Person>App
true
21:15-08:00
66
142
59
59
CreditBureau;OpenBanking
17
null
AlertAcknowledge
2025-08-18
Success
v2.10.1
LimitOrderOnly;NoAutoTradesBelow$1k;NoPennyStocks
Prioritize liquidity and down payment savings
A0121
Explorer
58,448
284,362
20,184
18
2
10
US
Low
null
null
PrivateCredit
2
26.7
15.1
Business:5y;Travel:2y;Education:6y
5
Concise
Medium
IRR;MaxDD;TaxCost
Email>App>Phone>Chat
true
20:45-07:15
63
59
65
59
CreditBureau;OpenBanking
5
null
PlanUpdate
2025-08-18
Success
v1.10.5
LimitOrderOnly;NoMargin
Allow small experimental sleeve ≤ 3%
A0122
Preserver
79,154
680,755
71,223
5.8
3
10
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1
12
7.9
Retirement:15y;Emergency:1y;Education:6y
15
Concise
Medium
MaxDD;Sharpe
In-Person>App>Phone
false
19:15-06:00
80
168
66
66
Brokerage;OpenBanking
5
Human
AlertAcknowledge
2025-04-22
Success
v1.9.6
NoIlliquids;NoMargin;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A0123
Explorer
69,866
402,260
34,164
15.8
4
10
US
Low
NoDerivatives
null
PennyStocks
2.1
28
14.2
Business:5y;Travel:2y;Healthcare:8y
5
Educational
Deep
IRR;MaxDD;Sharpe
App>Email>In-Person>Chat>Phone
true
21:45-06:00
66
86
71
66
CreditBureau;OpenBanking;Payroll
3
Hybrid
AlertAcknowledge
2025-11-02
Partial
v1.10.8
NoAutoTradesBelow$1k;NoMargin;NoPennyStocks
Allow small experimental sleeve ≤ 3%
A0124
Stabilizer
100,132
863,715
26,393
8.8
1
15
DE
Low
NoShortSelling;AccreditedOnly
null
Crypto;LeveragedETFs;PennyStocks
0.9
9.7
6.7
Retirement:15y;Emergency:1y;Debt:2y
15
Concise
Shallow
MaxDD;Sharpe;TaxCost
App>Phone>Email
false
23:30-08:00
55
97
64
61
OpenBanking
20
Hybrid
PlanUpdate
2025-10-22
Success
v1.9.9
NoAutoTradesBelow$1k;NoMargin;NoPennyStocks
Keep expenses buffer ≥ 4 months
A0125
Optimizer
269,505
3,185,365
121,046
9.5
3
12
US
Low
null
NoWeapons;ESGOnly
Crypto;PennyStocks
1.9
18.5
13.3
Wealth:10y;Estate:20y;Healthcare:8y
10
Educational
Medium
TaxCost;Sharpe;MaxDD
Phone>Chat>App>Email>In-Person
true
23:00-08:00
67
72
71
59
Brokerage;CreditBureau;OpenBanking
2
Hybrid
AlertAcknowledge
2025-03-31
Success
v2.10.9
LimitOrderOnly;NoAutoTradesBelow$1k;StopLossDisabled
Enforce tax budget and position caps
A0126
Preserver
88,601
439,596
63,303
7.3
2
10
UK
Low
NoDerivatives;NoShortSelling
null
Crypto;LeveragedETFs;PennyStocks
1
9.9
8.8
Retirement:15y;Emergency:1y;Healthcare:8y
15
Concise
Shallow
Sharpe;TaxCost
App>In-Person>Email>Chat
true
22:30-06:45
81
177
84
85
Brokerage;CreditBureau;OpenBanking
3
Hybrid
AlertAcknowledge
2025-03-02
Failed
v2.9.7
LimitOrderOnly;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A0127
Stabilizer
102,866
349,440
27,951
5.1
3
12
US
Low
null
NoWeapons;ESGOnly
Crypto;LeveragedETFs;PennyStocks
1.1
16.1
5.4
Retirement:15y;Emergency:1y;Education:6y
15
Directive
Medium
Sharpe;MaxDD
Phone>App>In-Person>Email>Chat
true
23:45-08:30
63
107
73
69
CreditBureau;OpenBanking;Payroll
9
Human
Rebalance
2025-09-27
Success
v1.9.9
NoPennyStocks;PauseWhenVIX>30
Keep expenses buffer ≥ 4 months
A0128
Stabilizer
90,209
295,993
24,768
5.2
4
10
US
Low
NoIlliquids
null
Crypto;LeveragedETFs;PennyStocks
1
17.4
8.5
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Shallow
Sharpe;MaxDD;TaxCost
Phone>App>Chat
true
22:30-06:45
65
92
56
54
OpenBanking
13
null
PlanUpdate
2025-04-11
Success
v2.8.7
NoMargin
Keep expenses buffer ≥ 4 months
A0129
Explorer
81,916
548,845
16,633
17.4
2
10
US
Low
null
null
PennyStocks
1.9
27.5
15.8
Business:5y;Travel:2y;Healthcare:8y
5
Directive
Medium
IRR;MaxDD
In-Person>Email>Phone>Chat>App
true
19:00-06:15
70
68
64
56
CreditBureau;OpenBanking
1
null
PlanUpdate
2025-03-15
Success
v2.9.2
NoMargin;NoPennyStocks
Allow small experimental sleeve ≤ 3%
A0130
Preserver
78,781
834,250
38,752
8.1
1
10
DE
Medium
NoDerivatives
NoFossilFuel;NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.1
10.1
6.9
Retirement:15y;Emergency:1y;Debt:2y
15
Concise
Medium
Sharpe;TaxCost;MaxDD
Chat>In-Person>Email
true
22:00-08:00
67
177
55
49
Brokerage;CreditBureau;OpenBanking
11
null
AlertAcknowledge
2025-10-29
Partial
v2.8.9
NoAutoTradesBelow$1k;NoIlliquids;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0131
Explorer
42,243
251,655
12,902
17.4
1
10
AU
Medium
NoDerivatives;NoIlliquids
null
Crypto;PennyStocks
1.8
29.8
16.9
Business:5y;Travel:2y;Debt:2y
5
Educational
Medium
IRR;Sharpe;MaxDD
Phone>In-Person>Chat>App
true
21:30-08:45
55
60
50
41
CreditBureau;OpenBanking
2
Hybrid
Rebalance
2025-03-17
Success
v2.10.6
NoPennyStocks
Allow small experimental sleeve ≤ 3%
A0132
Builder
40,335
120,615
4,391
12.8
2
10
US
Low
NoShortSelling
null
LeveragedETFs;PennyStocks
1.8
23.5
11.6
Home:3y;Retirement:30y;Healthcare:8y
3
Concise
Deep
IRR;Sharpe
App>Chat>Phone>In-Person>Email
true
20:00-06:15
71
133
58
52
CreditBureau;OpenBanking
12
Hybrid
AutoTransfer
2025-04-26
Success
v1.9.3
NoIlliquids;NoPennyStocks
Prioritize liquidity and down payment savings
A0133
Preserver
72,942
870,886
60,727
5.7
2
10
IN
Low
null
ESGOnly;NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
0.9
9.3
7.9
Retirement:15y;Emergency:1y;Healthcare:8y
15
Educational
Medium
Sharpe;MaxDD;TaxCost
Phone>Email>App
true
21:15-06:45
76
120
84
82
Brokerage;OpenBanking;Payroll
4
null
Rebalance
2025-07-20
Failed
v1.10.6
NoAutoTradesBelow$1k;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0134
Stabilizer
83,709
231,561
27,827
6.8
2
10
US
Low
null
NoFossilFuel;NoTobacco
Crypto;LeveragedETFs;PennyStocks
1.2
11.2
6.3
Retirement:15y;Emergency:1y
15
Concise
Deep
Sharpe;TaxCost
Phone>Email>App>In-Person>Chat
false
19:30-08:30
63
100
62
52
CreditBureau;OpenBanking
14
null
AutoTransfer
2025-10-27
Success
v1.8.7
NoAutoTradesBelow$1k;NoMargin;NoPennyStocks
Keep expenses buffer ≥ 4 months
A0135
Builder
93,192
428,513
22,200
9
3
10
AU
Medium
null
null
null
1.8
16.3
7.7
Home:3y;Retirement:30y;Healthcare:8y
3
Educational
Shallow
MaxDD;TaxCost;IRR
Email>In-Person>Phone>App>Chat
true
22:45-07:15
61
69
65
56
CreditBureau;OpenBanking;Payroll
12
null
AlertAcknowledge
2025-05-28
Partial
v2.9.5
PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0136
Preserver
112,351
627,507
19,360
4.8
2
12
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1
11.3
5.9
Retirement:15y;Emergency:1y;Debt:2y
15
Collaborative
Shallow
Sharpe;TaxCost;MaxDD
In-Person>Chat>App
false
19:45-08:45
69
138
61
58
Brokerage;OpenBanking
4
Human
AutoTransfer
2025-09-07
Success
v2.10.2
NoAutoTradesBelow$1k;NoMargin;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0137
Builder
51,687
282,497
4,447
8.3
3
10
US
Low
NoDerivatives
null
null
1.5
23.6
8.8
Home:3y;Retirement:30y;Education:6y
3
Collaborative
Medium
TaxCost;IRR
In-Person>Email>Chat>App>Phone
false
19:30-07:45
62
82
69
61
OpenBanking
16
Hybrid
PlanUpdate
2025-07-31
Success
v1.9.3
NoAutoTradesBelow$1k;PauseWhenVIX>30;StopLossDisabled
Prioritize liquidity and down payment savings
A0138
Preserver
203,289
748,215
36,920
8.3
1
12
US
Medium
AccreditedOnly
NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.2
16.1
6.6
Retirement:15y;Emergency:1y
15
Collaborative
Medium
TaxCost;MaxDD;Sharpe
Chat>In-Person>Email>App
true
19:30-07:45
79
143
78
77
Brokerage;CreditBureau;OpenBanking
3
Human
Rebalance
2025-04-21
Success
v1.8.9
NoIlliquids;NoMargin;NoPennyStocks;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0139
Builder
131,070
253,273
12,107
10.5
4
15
DE
Medium
NoDerivatives;AccreditedOnly
NoWeapons;NoTobacco
null
1.5
18.8
9.6
Home:3y;Retirement:30y;Education:6y
3
Concise
Medium
MaxDD;Sharpe
Chat>Phone>In-Person>Email>App
true
20:15-08:00
54
119
62
59
OpenBanking
16
Hybrid
AlertAcknowledge
2025-10-31
Success
v2.8.8
LimitOrderOnly;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0140
Builder
56,426
144,816
8,707
10.5
3
10
US
Medium
null
null
null
1.7
20.8
10.8
Home:3y;Retirement:30y;Healthcare:8y
3
Collaborative
Medium
IRR;TaxCost;Sharpe
Email>Phone>App
true
19:30-07:30
55
108
55
44
CreditBureau;OpenBanking;Payroll
12
null
PlanUpdate
2025-07-04
Success
v1.10.1
LimitOrderOnly
Prioritize liquidity and down payment savings
A0141
Stabilizer
51,748
273,867
23,493
5.5
4
10
US
Low
NoIlliquids;NoShortSelling
null
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
0.9
16.5
6.7
Retirement:15y;Emergency:1y;Education:6y
15
Collaborative
Medium
MaxDD;TaxCost;Sharpe
In-Person>Phone>App>Chat
true
20:00-08:15
56
134
55
53
OpenBanking;Payroll
5
Human
AutoTransfer
2025-03-04
Success
v1.8.1
NoAutoTradesBelow$1k
Keep expenses buffer ≥ 4 months
A0142
Preserver
103,993
559,164
65,359
6.1
2
15
IN
Low
null
NoTobacco;NoWeapons
Crypto;LeveragedETFs;PennyStocks
1
16.2
8.9
Retirement:15y;Emergency:1y;Education:6y
15
Concise
Shallow
MaxDD;Sharpe;TaxCost
Email>App>Chat>Phone>In-Person
false
21:15-08:45
72
232
79
78
Brokerage;OpenBanking
13
Hybrid
AlertAcknowledge
2025-06-08
Success
v2.10.3
LimitOrderOnly;NoMargin;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0143
Stabilizer
124,525
959,858
35,110
7.9
2
12
US
Low
NoShortSelling
NoTobacco;ESGOnly
Crypto;LeveragedETFs;PennyStocks
1
11.8
8.8
Retirement:15y;Emergency:1y
15
Educational
Deep
Sharpe;MaxDD
Phone>In-Person>Email
true
23:00-06:15
52
135
56
58
CreditBureau;OpenBanking
13
null
Rebalance
2025-01-28
Success
v2.9.9
NoMargin;PauseWhenVIX>30;StopLossDisabled
Keep expenses buffer ≥ 4 months
A0144
Preserver
112,770
906,321
70,429
7.6
2
15
DE
Low
NoDerivatives
null
Crypto;LeveragedETFs;PennyStocks
1.2
11.1
5.6
Retirement:15y;Emergency:1y
15
Concise
Deep
Sharpe;MaxDD;TaxCost
Phone>Chat>App
true
19:30-08:45
78
182
63
63
Brokerage;CreditBureau;OpenBanking;Payroll
6
null
AlertAcknowledge
2025-11-09
Success
v1.8.4
NoMargin;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A0145
Preserver
123,330
498,389
72,500
4.1
3
15
IN
Low
NoShortSelling;AccreditedOnly
ESGOnly;NoTobacco
Crypto;LeveragedETFs;PennyStocks
1.1
11.7
8.1
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Medium
TaxCost;Sharpe
Email>App>In-Person
true
20:00-07:00
73
162
62
67
Brokerage;CreditBureau;OpenBanking
8
Human
AutoTransfer
2025-12-04
Success
v2.8.3
LimitOrderOnly;NoAutoTradesBelow$1k;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0146
Builder
60,148
99,631
10,834
11
4
10
SG
Medium
NoIlliquids;AccreditedOnly
null
Crypto;LeveragedETFs
1.4
15
10.7
Home:3y;Retirement:30y;Debt:2y
3
Directive
Shallow
IRR;TaxCost
Email>Phone>Chat>App
true
20:45-08:15
54
149
59
58
OpenBanking
11
null
PlanUpdate
2025-06-25
Success
v1.8.5
NoMargin;PauseWhenVIX>30;StopLossDisabled
Prioritize liquidity and down payment savings
A0147
Optimizer
151,468
1,059,961
81,375
7.8
2
12
US
Medium
AccreditedOnly
NoTobacco;NoFossilFuel
PennyStocks;PrivateCredit
1.9
21.7
11.5
Wealth:10y;Estate:20y;Debt:2y
10
Educational
Shallow
IRR;MaxDD;Sharpe
App>Phone>Email>Chat>In-Person
true
23:15-08:30
62
97
60
49
Brokerage;OpenBanking
1
Hybrid
AlertAcknowledge
2025-08-28
Success
v2.8.5
NoAutoTradesBelow$1k;NoMargin
Enforce tax budget and position caps
A0148
Builder
132,593
268,843
26,706
11.5
4
12
US
Low
null
ESGOnly
null
1.7
20.2
8.5
Home:3y;Retirement:30y
3
Educational
Medium
IRR;Sharpe;MaxDD
Chat>Phone>Email
true
22:00-07:45
70
110
75
68
CreditBureau;OpenBanking
16
null
PlanUpdate
2025-05-10
Success
v2.10.7
NoAutoTradesBelow$1k;StopLossDisabled
Prioritize liquidity and down payment savings
A0149
Optimizer
106,955
1,471,029
37,638
8.6
4
12
US
Low
null
null
PennyStocks
1.8
20.7
13.6
Wealth:10y;Estate:20y;Healthcare:8y
10
Educational
Deep
Sharpe;IRR
App>Phone>Chat
true
20:00-07:45
61
93
52
45
Brokerage;CreditBureau;OpenBanking;Payroll
5
Human
Rebalance
2025-12-26
Success
v2.10.1
LimitOrderOnly;NoIlliquids
Enforce tax budget and position caps
A0150
Stabilizer
77,667
678,644
25,911
4.3
4
10
IN
Low
NoDerivatives;AccreditedOnly
NoFossilFuel;NoWeapons
Crypto;LeveragedETFs;PennyStocks
0.9
16.1
8.7
Retirement:15y;Emergency:1y
15
Collaborative
Shallow
MaxDD;Sharpe
App>In-Person>Email>Chat
true
21:30-06:00
68
138
70
71
CreditBureau;OpenBanking
12
Hybrid
AutoTransfer
2025-04-02
Partial
v2.9.9
LimitOrderOnly;NoMargin
Keep expenses buffer ≥ 4 months
A0151
Stabilizer
81,357
264,408
27,549
7.7
2
10
US
Low
NoShortSelling
NoFossilFuel
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1.1
11.3
5.7
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Deep
Sharpe;MaxDD;TaxCost
Phone>Email>Chat>App>In-Person
true
20:45-06:15
54
142
54
53
CreditBureau;OpenBanking
13
null
Rebalance
2025-04-07
Success
v2.8.5
LimitOrderOnly;NoMargin;NoPennyStocks
Keep expenses buffer ≥ 4 months
A0152
Builder
75,182
369,230
15,158
8.4
3
10
US
Low
null
null
null
1.6
17.6
8.5
Home:3y;Retirement:30y;Debt:2y
3
Educational
Deep
MaxDD;IRR;Sharpe
Phone>In-Person>Chat>App
true
19:45-07:45
65
102
75
75
CreditBureau;OpenBanking
16
Hybrid
AutoTransfer
2025-06-18
Success
v1.10.6
NoIlliquids;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0153
Explorer
35,054
327,547
18,014
17
2
10
US
Low
NoShortSelling
NoFossilFuel
LeveragedETFs;PennyStocks
1.7
27.3
17.3
Business:5y;Travel:2y;Healthcare:8y
5
Directive
Deep
Sharpe;IRR;TaxCost
Chat>App>Email
false
20:30-06:45
69
63
69
65
CreditBureau;OpenBanking;Payroll
7
Hybrid
AutoTransfer
2025-10-06
Success
v2.8.2
NoMargin
Allow small experimental sleeve ≤ 3%
A0154
Preserver
46,595
391,110
12,860
5.9
3
10
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1.2
17.6
8.3
Retirement:15y;Emergency:1y;Education:6y
15
Directive
Deep
TaxCost;Sharpe;MaxDD
In-Person>Email>Phone>Chat
true
19:30-08:30
74
153
62
59
Brokerage;OpenBanking
13
null
PlanUpdate
2025-12-25
Success
v1.8.8
NoAutoTradesBelow$1k;NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0155
Optimizer
72,415
924,581
30,005
7.5
4
10
US
Medium
AccreditedOnly;NoIlliquids
ESGOnly
LeveragedETFs;PennyStocks;PrivateCredit
1.7
19.1
12
Wealth:10y;Estate:20y;Debt:2y
10
Directive
Deep
TaxCost;IRR;MaxDD
App>In-Person>Chat>Phone
false
22:15-06:15
56
88
46
39
Brokerage;OpenBanking;Payroll
5
Human
Rebalance
2025-03-10
Failed
v2.9.8
StopLossDisabled
Enforce tax budget and position caps
A0156
Stabilizer
78,475
284,026
20,733
7.9
1
10
US
Medium
NoDerivatives
null
Crypto;LeveragedETFs;PennyStocks
1.1
17.8
8
Retirement:15y;Emergency:1y;Debt:2y
15
Concise
Medium
MaxDD;TaxCost
App>In-Person>Email
true
21:30-08:45
50
112
37
39
OpenBanking
10
Human
PlanUpdate
2025-11-09
Success
v1.8.3
LimitOrderOnly;NoMargin
Keep expenses buffer ≥ 4 months
A0157
Explorer
84,900
564,009
20,503
18.3
1
10
US
Medium
NoShortSelling
NoFossilFuel;NoTobacco
PennyStocks
1.9
31.7
12.6
Business:5y;Travel:2y;Healthcare:8y
5
Educational
Deep
MaxDD;Sharpe;TaxCost
App>Email>Chat>Phone>In-Person
true
20:15-07:30
64
61
55
52
CreditBureau;OpenBanking
2
null
Rebalance
2025-01-20
Success
v1.9.4
LimitOrderOnly
Allow small experimental sleeve ≤ 3%
A0158
Builder
52,114
183,043
8,896
9.7
4
10
DE
Low
null
null
null
1.5
18.9
10
Home:3y;Retirement:30y;Healthcare:8y
3
Collaborative
Shallow
IRR;TaxCost;MaxDD
Phone>Email>In-Person>App>Chat
false
19:15-07:45
60
137
65
58
OpenBanking
17
Hybrid
AlertAcknowledge
2025-05-12
Success
v1.9.9
StopLossDisabled
Prioritize liquidity and down payment savings
A0159
Stabilizer
130,411
435,208
19,781
7.4
1
12
US
Low
AccreditedOnly;NoIlliquids
ESGOnly;NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
1.1
9.6
6
Retirement:15y;Emergency:1y;Healthcare:8y
15
Concise
Shallow
TaxCost;MaxDD
App>Email>Phone
true
19:00-07:00
61
124
64
61
OpenBanking
5
Hybrid
Rebalance
2025-03-31
Success
v2.9.4
NoAutoTradesBelow$1k;NoMargin;PauseWhenVIX>30
Keep expenses buffer ≥ 4 months
A0160
Preserver
93,221
584,244
65,795
4.8
3
10
US
Medium
null
null
Crypto;LeveragedETFs;PennyStocks
1
17.8
6.6
Retirement:15y;Emergency:1y;Debt:2y
15
Concise
Medium
Sharpe;MaxDD;TaxCost
App>Phone>Chat
true
22:15-08:45
70
217
65
58
Brokerage;OpenBanking;Payroll
7
null
AutoTransfer
2025-07-10
Success
v1.8.9
NoAutoTradesBelow$1k
Maintain ≥ 12m cash runway and low drawdown
A0161
Optimizer
121,802
925,818
68,638
7.3
3
12
US
Low
null
NoFossilFuel;ESGOnly
PennyStocks
1.9
15.4
13.2
Wealth:10y;Estate:20y;Education:6y
10
Concise
Medium
TaxCost;MaxDD;IRR
Email>App>In-Person
true
19:30-07:30
72
60
60
55
Brokerage;CreditBureau;OpenBanking
6
Hybrid
PlanUpdate
2025-06-23
Success
v2.8.6
NoMargin;PauseWhenVIX>30
Enforce tax budget and position caps
A0162
Optimizer
109,427
2,915,344
85,336
6.2
4
12
US
Medium
NoShortSelling
null
PennyStocks
1.5
22.5
10.2
Wealth:10y;Estate:20y;Debt:2y
10
Collaborative
Medium
TaxCost;MaxDD
App>Phone>In-Person
true
21:00-08:30
64
103
75
66
Brokerage;CreditBureau;OpenBanking
6
Hybrid
AutoTransfer
2025-11-26
Success
v2.10.5
LimitOrderOnly;PauseWhenVIX>30
Enforce tax budget and position caps
A0163
Builder
70,284
371,985
11,722
8.6
3
10
US
Low
null
null
PennyStocks
1.6
24.6
10
Home:3y;Retirement:30y;Healthcare:8y
3
Collaborative
Medium
IRR;Sharpe
Chat>Phone>Email>App>In-Person
false
20:00-06:00
72
138
71
65
CreditBureau;OpenBanking;Payroll
9
null
Rebalance
2025-03-11
Failed
v2.8.1
NoIlliquids;NoMargin;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0164
Builder
90,854
191,611
8,112
9.7
3
10
CA
Low
null
null
PrivateCredit
1.7
15.3
9.8
Home:3y;Retirement:30y;Healthcare:8y
3
Directive
Deep
IRR;MaxDD
In-Person>Phone>Email>Chat>App
true
22:15-08:15
70
139
80
75
CreditBureau;OpenBanking;Payroll
20
null
PlanUpdate
2025-04-16
Partial
v1.8.8
LimitOrderOnly;NoPennyStocks
Prioritize liquidity and down payment savings
A0165
Preserver
128,831
1,192,106
55,280
5.5
3
12
US
Low
NoShortSelling
null
Crypto;LeveragedETFs;PennyStocks
1
10
7.9
Retirement:15y;Emergency:1y;Education:6y
15
Concise
Shallow
Sharpe;MaxDD;TaxCost
Email>App>In-Person>Phone>Chat
true
19:15-07:45
79
219
82
86
Brokerage;OpenBanking
13
Human
Rebalance
2025-10-20
Success
v1.8.2
NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0166
Builder
44,165
258,608
7,077
14.6
1
10
US
Medium
null
ESGOnly;NoWeapons
null
1.8
19.9
10.8
Home:3y;Retirement:30y;Education:6y
3
Collaborative
Deep
MaxDD;TaxCost
Chat>Phone>App>In-Person>Email
true
21:45-08:30
58
64
63
53
OpenBanking
16
null
AlertAcknowledge
2025-08-26
Partial
v1.10.4
StopLossDisabled
Prioritize liquidity and down payment savings
A0167
Builder
131,353
533,971
29,637
9.5
2
12
US
Low
null
null
PennyStocks
1.7
18
11.8
Home:3y;Retirement:30y
3
Educational
Medium
IRR;MaxDD
Phone>In-Person>App>Chat>Email
false
23:30-06:00
72
83
72
70
OpenBanking
9
null
Rebalance
2025-01-09
Partial
v1.10.8
NoAutoTradesBelow$1k;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0168
Optimizer
69,737
985,920
27,676
7.4
2
10
IN
Low
null
null
PennyStocks
1.8
24.1
11.1
Wealth:10y;Estate:20y;Education:6y
10
Collaborative
Medium
MaxDD;IRR;Sharpe
Phone>App>In-Person
true
20:45-08:45
76
93
82
80
Brokerage;CreditBureau;OpenBanking
5
null
AutoTransfer
2025-01-01
Success
v1.9.6
LimitOrderOnly;NoAutoTradesBelow$1k;NoIlliquids
Enforce tax budget and position caps
A0169
Stabilizer
75,604
530,824
30,480
7.2
3
10
AU
Low
NoIlliquids;NoShortSelling
NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.1
15
5.3
Retirement:15y;Emergency:1y;Healthcare:8y
15
Educational
Shallow
MaxDD;TaxCost
Chat>In-Person>App
true
20:00-06:45
59
93
51
49
CreditBureau;OpenBanking
10
Hybrid
AlertAcknowledge
2025-11-14
Success
v1.9.2
NoMargin;StopLossDisabled
Keep expenses buffer ≥ 4 months
A0170
Preserver
88,454
751,595
88,492
7
2
10
US
Low
NoShortSelling;NoDerivatives
null
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1.2
8.1
5.1
Retirement:15y;Emergency:1y;Healthcare:8y
15
Educational
Medium
TaxCost;MaxDD;Sharpe
Phone>Email>In-Person
true
21:00-06:15
80
151
87
83
Brokerage;CreditBureau;OpenBanking
14
Hybrid
Rebalance
2025-06-23
Partial
v1.8.1
NoAutoTradesBelow$1k;NoPennyStocks;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0171
Preserver
64,887
365,036
23,768
5.4
4
10
US
Medium
null
NoTobacco;NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
1.1
15.7
5.9
Retirement:15y;Emergency:1y
15
Concise
Shallow
MaxDD;TaxCost
App>Chat>In-Person
true
21:30-06:00
68
158
65
68
Brokerage;CreditBureau;OpenBanking;Payroll
13
Hybrid
Rebalance
2025-07-28
Partial
v1.10.4
LimitOrderOnly;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0172
Builder
63,971
301,206
11,226
10.1
1
10
US
Low
null
NoWeapons;NoFossilFuel
PennyStocks
1.6
14
7
Home:3y;Retirement:30y;Healthcare:8y
3
Concise
Medium
IRR;MaxDD;TaxCost
In-Person>Email>Chat>App
false
19:15-06:45
61
86
47
47
CreditBureau;OpenBanking;Payroll
12
null
Rebalance
2025-04-01
Success
v1.9.4
NoIlliquids
Prioritize liquidity and down payment savings
A0173
Stabilizer
53,576
95,456
8,155
10.3
1
10
CA
Low
AccreditedOnly;NoDerivatives
null
Crypto;LeveragedETFs;PennyStocks
1.1
8.2
6.2
Retirement:15y;Emergency:1y;Healthcare:8y
15
Collaborative
Medium
TaxCost;MaxDD
Chat>In-Person>Phone
false
22:45-06:15
65
155
73
65
CreditBureau;OpenBanking;Payroll
5
Hybrid
AlertAcknowledge
2025-06-16
Success
v1.8.3
NoAutoTradesBelow$1k;NoMargin;StopLossDisabled
Keep expenses buffer ≥ 4 months
A0174
Preserver
101,636
400,434
24,162
4.1
4
12
US
Low
null
ESGOnly;NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
1
13.2
6
Retirement:15y;Emergency:1y;Debt:2y
15
Concise
Medium
TaxCost;MaxDD
In-Person>Email>Chat
true
19:15-06:45
81
150
77
81
Brokerage;CreditBureau;OpenBanking;Payroll
6
Human
AutoTransfer
2025-10-09
Success
v1.9.5
NoIlliquids;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0175
Optimizer
147,494
2,772,414
62,800
12.4
1
15
UK
Low
NoShortSelling
NoWeapons
Crypto;PennyStocks;PrivateCredit
1.5
19.9
13.6
Wealth:10y;Estate:20y;Debt:2y
10
Directive
Medium
MaxDD;Sharpe
App>Chat>Phone
true
23:45-08:15
76
110
80
73
Brokerage;OpenBanking
1
Human
Rebalance
2025-06-28
Success
v1.8.8
NoMargin;NoPennyStocks
Enforce tax budget and position caps
A0176
Preserver
177,863
1,074,844
141,700
4.1
4
15
UK
Low
NoDerivatives;AccreditedOnly
NoFossilFuel;ESGOnly
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1
16.2
7.1
Retirement:15y;Emergency:1y;Education:6y
15
Concise
Medium
Sharpe;MaxDD;TaxCost
Phone>Email>Chat
true
23:15-08:30
69
163
63
57
Brokerage;CreditBureau;OpenBanking;Payroll
14
Human
AlertAcknowledge
2025-02-16
Success
v2.10.9
NoIlliquids;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0177
Builder
75,987
233,932
19,472
7.9
4
10
US
Low
AccreditedOnly
null
LeveragedETFs
1.4
18
11.3
Home:3y;Retirement:30y;Education:6y
3
Concise
Medium
MaxDD;TaxCost;Sharpe
Phone>Email>In-Person
true
19:00-08:00
72
96
69
63
CreditBureau;OpenBanking;Payroll
17
Hybrid
AlertAcknowledge
2025-11-16
Success
v2.9.2
LimitOrderOnly;NoPennyStocks;StopLossDisabled
Prioritize liquidity and down payment savings
A0178
Preserver
77,304
394,325
28,890
5.2
4
10
UK
Low
NoShortSelling
ESGOnly
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
0.9
15.7
6.3
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Shallow
MaxDD;Sharpe
Email>Phone>App>Chat>In-Person
true
23:45-08:30
81
212
90
83
Brokerage;CreditBureau;OpenBanking
14
Human
AutoTransfer
2025-07-15
Partial
v2.8.6
LimitOrderOnly;NoAutoTradesBelow$1k;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A0179
Builder
55,479
265,248
10,205
8.6
4
10
US
Low
null
NoWeapons;NoFossilFuel
null
1.6
17.6
11.1
Home:3y;Retirement:30y;Debt:2y
3
Educational
Deep
MaxDD;IRR
In-Person>Email>App>Chat>Phone
true
20:30-07:15
66
118
51
49
CreditBureau;OpenBanking;Payroll
5
Human
PlanUpdate
2025-10-01
Partial
v1.9.6
NoMargin;NoPennyStocks
Prioritize liquidity and down payment savings
A0180
Explorer
70,473
360,380
23,999
19
1
10
US
Low
AccreditedOnly
null
null
1.9
25.8
14.5
Business:5y;Travel:2y;Debt:2y
5
Directive
Medium
MaxDD;Sharpe;TaxCost
Chat>App>Phone>In-Person>Email
true
19:15-07:00
66
55
73
68
CreditBureau;OpenBanking;Payroll
1
Hybrid
AutoTransfer
2025-01-10
Partial
v2.10.5
NoMargin
Allow small experimental sleeve ≤ 3%
A0181
Optimizer
126,339
686,135
61,025
7.9
3
12
US
Low
null
NoTobacco
LeveragedETFs;PennyStocks;PrivateCredit
1.6
23.8
13.6
Wealth:10y;Estate:20y
10
Collaborative
Deep
MaxDD;TaxCost;IRR
Phone>Email>App
true
19:30-07:45
69
90
82
80
Brokerage;CreditBureau;OpenBanking
2
Hybrid
Rebalance
2025-06-16
Partial
v1.8.5
NoMargin;StopLossDisabled
Enforce tax budget and position caps
A0182
Preserver
176,987
900,641
115,200
6.2
2
12
US
Low
null
ESGOnly;NoTobacco
Crypto;LeveragedETFs;PennyStocks
1
17.4
5.5
Retirement:15y;Emergency:1y
15
Directive
Medium
TaxCost;Sharpe;MaxDD
In-Person>Chat>Phone>Email
false
23:00-06:00
75
160
65
58
Brokerage;CreditBureau;OpenBanking
11
Human
PlanUpdate
2024-12-26
Success
v1.9.8
NoMargin;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A0183
Builder
123,984
163,657
5,317
9.6
3
15
DE
Low
NoDerivatives
NoTobacco
LeveragedETFs
1.8
23.4
10.6
Home:3y;Retirement:30y
3
Concise
Deep
Sharpe;TaxCost
Phone>App>Chat>In-Person>Email
true
21:00-07:30
58
131
61
59
CreditBureau;OpenBanking
5
Hybrid
PlanUpdate
2025-09-18
Success
v2.9.4
NoAutoTradesBelow$1k
Prioritize liquidity and down payment savings
A0184
Builder
56,301
102,825
9,201
10.1
4
10
US
Low
NoShortSelling
null
LeveragedETFs
1.6
16.9
11
Home:3y;Retirement:30y;Education:6y
3
Concise
Medium
Sharpe;MaxDD
App>Email>Phone>In-Person>Chat
true
20:00-07:30
70
76
62
61
CreditBureau;OpenBanking
15
Human
AutoTransfer
2025-05-24
Partial
v2.8.8
LimitOrderOnly;NoAutoTradesBelow$1k;NoIlliquids
Prioritize liquidity and down payment savings
A0185
Explorer
51,694
166,731
16,347
14.8
4
10
CA
High
NoDerivatives
NoWeapons
PennyStocks;PrivateCredit
2
30.1
17.8
Business:5y;Travel:2y;Healthcare:8y
5
Educational
Medium
MaxDD;Sharpe
Email>App>Phone
false
19:15-08:15
52
53
57
47
OpenBanking;Payroll
2
Hybrid
AlertAcknowledge
2025-10-22
Partial
v2.9.5
NoAutoTradesBelow$1k;NoPennyStocks
Allow small experimental sleeve ≤ 3%
A0186
Optimizer
33,572
390,976
13,009
7.7
4
10
UK
Low
null
NoTobacco;NoWeapons
LeveragedETFs;PennyStocks
1.9
27.9
9.4
Wealth:10y;Estate:20y
10
Educational
Medium
Sharpe;MaxDD
Chat>App>Email>Phone
true
19:30-06:15
65
82
58
47
Brokerage;OpenBanking;Payroll
2
Human
PlanUpdate
2025-11-17
Success
v2.10.9
NoIlliquids;NoMargin;NoPennyStocks
Enforce tax budget and position caps
A0187
Preserver
79,255
1,139,048
58,371
6.8
1
10
UK
Low
NoDerivatives;AccreditedOnly
ESGOnly;NoWeapons
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
0.9
9.3
5.5
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Medium
TaxCost;MaxDD;Sharpe
App>Phone>Chat
false
19:15-08:30
71
227
59
47
Brokerage;CreditBureau;OpenBanking
14
Hybrid
PlanUpdate
2025-07-20
Success
v1.9.4
NoIlliquids;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0188
Preserver
66,754
632,508
59,379
7.8
1
10
CA
Low
null
null
Crypto;LeveragedETFs;PennyStocks
0.9
16.9
6.6
Retirement:15y;Emergency:1y
15
Educational
Deep
MaxDD;TaxCost;Sharpe
In-Person>App>Chat>Phone
false
21:45-08:15
83
140
91
84
Brokerage;OpenBanking
9
Hybrid
AlertAcknowledge
2025-07-04
Success
v1.9.7
NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0189
Explorer
56,405
403,189
15,471
16.1
3
10
US
Low
NoIlliquids;NoShortSelling
NoTobacco
LeveragedETFs;PennyStocks
2.1
27.6
15.6
Business:5y;Travel:2y;Debt:2y
5
Collaborative
Shallow
IRR;Sharpe
Phone>Email>In-Person>App
true
23:45-06:00
62
51
70
58
CreditBureau;OpenBanking
6
Human
AutoTransfer
2025-04-02
Success
v1.8.6
NoAutoTradesBelow$1k
Allow small experimental sleeve ≤ 3%
A0190
Builder
78,921
355,983
13,812
13.5
1
10
IN
Low
null
null
null
1.4
17.6
9
Home:3y;Retirement:30y;Healthcare:8y
3
Educational
Medium
TaxCost;IRR;MaxDD
App>In-Person>Chat
true
23:15-08:00
57
67
61
49
CreditBureau;OpenBanking
6
null
AutoTransfer
2025-09-23
Success
v1.8.2
LimitOrderOnly;NoIlliquids
Prioritize liquidity and down payment savings
A0191
Builder
71,663
280,882
20,061
10.3
4
10
US
Medium
null
null
Crypto
1.7
14.7
10.4
Home:3y;Retirement:30y;Education:6y
3
Concise
Deep
Sharpe;TaxCost;MaxDD
Phone>App>Email>Chat
true
21:45-07:30
56
117
55
47
OpenBanking
15
Hybrid
Rebalance
2025-01-22
Success
v1.8.7
LimitOrderOnly;NoIlliquids;NoMargin
Prioritize liquidity and down payment savings
A0192
Preserver
97,539
644,243
55,175
8.9
1
10
US
Low
NoShortSelling
ESGOnly
Crypto;LeveragedETFs;PennyStocks
1
12.2
6.3
Retirement:15y;Emergency:1y
15
Directive
Shallow
Sharpe;MaxDD
App>Email>Phone
true
21:45-08:15
67
206
74
68
Brokerage;CreditBureau;OpenBanking
13
Hybrid
PlanUpdate
2025-10-23
Success
v1.8.9
LimitOrderOnly;NoIlliquids;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0193
Explorer
72,389
273,992
14,917
12
4
10
US
Low
AccreditedOnly;NoDerivatives
null
null
1.9
26.8
13.7
Business:5y;Travel:2y;Education:6y
5
Collaborative
Deep
Sharpe;IRR;TaxCost
Email>Chat>App
false
23:00-07:30
54
49
59
51
OpenBanking
1
null
Rebalance
2025-12-15
Success
v2.9.6
NoIlliquids;PauseWhenVIX>30;StopLossDisabled
Allow small experimental sleeve ≤ 3%
A0194
Stabilizer
69,357
186,464
6,081
7.7
1
10
US
High
null
null
Crypto;LeveragedETFs;PennyStocks
1.1
9.8
7.9
Retirement:15y;Emergency:1y;Education:6y
15
Directive
Medium
TaxCost;MaxDD;Sharpe
Phone>In-Person>Chat>Email
true
21:45-08:15
51
95
61
59
CreditBureau;OpenBanking
5
Human
AutoTransfer
2025-10-26
Failed
v2.10.6
NoMargin;StopLossDisabled
Keep expenses buffer ≥ 4 months
A0195
Preserver
106,810
1,392,651
111,408
6.2
3
12
US
Low
AccreditedOnly
ESGOnly
Crypto;LeveragedETFs;PennyStocks
1.2
9.7
6
Retirement:15y;Emergency:1y;Education:6y
15
Concise
Shallow
Sharpe;TaxCost;MaxDD
Phone>Chat>Email>In-Person>App
false
22:15-06:00
80
179
80
78
Brokerage;OpenBanking
10
Human
Rebalance
2025-03-03
Success
v2.10.6
NoAutoTradesBelow$1k;NoIlliquids;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0196
Stabilizer
18,825
37,695
3,854
7
4
10
UK
Low
NoShortSelling;NoDerivatives
null
Crypto;LeveragedETFs;PennyStocks
1
11.4
9
Retirement:15y;Emergency:1y;Education:6y
15
Directive
Medium
TaxCost;MaxDD
In-Person>Email>Phone>Chat>App
true
21:45-08:45
55
156
52
54
CreditBureau;OpenBanking
12
Human
AlertAcknowledge
2025-07-11
Success
v2.10.6
NoMargin;NoPennyStocks;StopLossDisabled
Keep expenses buffer ≥ 4 months
A0197
Stabilizer
65,309
429,704
29,865
9.1
2
10
US
Medium
NoDerivatives;NoShortSelling
null
Crypto;LeveragedETFs;PennyStocks
0.9
14
8.2
Retirement:15y;Emergency:1y;Healthcare:8y
15
Collaborative
Medium
TaxCost;MaxDD
Phone>Email>In-Person>App>Chat
false
23:00-07:30
60
107
52
48
OpenBanking
15
Hybrid
AutoTransfer
2025-01-17
Failed
v1.10.8
NoMargin;NoPennyStocks
Keep expenses buffer ≥ 4 months
A0198
Stabilizer
69,803
232,981
13,055
6.8
3
10
US
Low
NoDerivatives;AccreditedOnly
null
Crypto;LeveragedETFs;PennyStocks
1.2
9
5.4
Retirement:15y;Emergency:1y
15
Concise
Medium
Sharpe;TaxCost;MaxDD
Chat>Phone>In-Person
true
21:00-07:30
55
130
56
52
CreditBureau;OpenBanking
10
null
AlertAcknowledge
2025-09-13
Success
v1.9.9
NoPennyStocks
Keep expenses buffer ≥ 4 months
A0199
Explorer
56,751
345,750
15,101
15.5
2
10
US
Medium
null
null
PennyStocks
1.9
28
12.6
Business:5y;Travel:2y;Debt:2y
5
Directive
Shallow
MaxDD;IRR;TaxCost
Phone>In-Person>Email
true
22:30-06:30
56
76
55
50
CreditBureau;OpenBanking
7
null
Rebalance
2025-05-12
Partial
v2.10.1
NoAutoTradesBelow$1k;NoIlliquids
Allow small experimental sleeve ≤ 3%
A0200
Builder
59,989
71,393
7,144
8.3
3
10
SG
Low
null
null
null
1.7
13.3
9.9
Home:3y;Retirement:30y;Debt:2y
3
Directive
Medium
IRR;Sharpe;MaxDD
Email>In-Person>Phone
false
19:15-07:45
65
98
66
57
CreditBureau;OpenBanking
9
Hybrid
Rebalance
2025-09-25
Success
v1.10.3
NoAutoTradesBelow$1k
Prioritize liquidity and down payment savings