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
A0201
Optimizer
171,382
1,660,088
89,365
9.1
1
15
AU
Low
null
null
PennyStocks;PrivateCredit
1.7
25
13.8
Wealth:10y;Estate:20y;Healthcare:8y
10
Collaborative
Shallow
MaxDD;IRR;TaxCost
App>Email>In-Person>Phone>Chat
false
21:15-08:00
69
67
63
62
Brokerage;CreditBureau;OpenBanking;Payroll
5
Human
AutoTransfer
2025-02-17
Success
v1.8.3
LimitOrderOnly;NoAutoTradesBelow$1k;StopLossDisabled
Enforce tax budget and position caps
A0202
Builder
50,556
71,819
3,217
8.4
4
10
US
Low
NoIlliquids;AccreditedOnly
NoWeapons;ESGOnly
Crypto;PrivateCredit
1.6
15.1
8.2
Home:3y;Retirement:30y
3
Concise
Medium
Sharpe;IRR
In-Person>Email>Phone>App>Chat
false
23:15-08:30
67
120
54
54
OpenBanking
15
null
Rebalance
2025-12-01
Success
v1.10.7
LimitOrderOnly;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0203
Optimizer
362,344
7,095,022
126,940
6.9
3
15
CA
Low
NoIlliquids
null
PennyStocks
1.8
19.6
11.8
Wealth:10y;Estate:20y;Healthcare:8y
10
Concise
Medium
IRR;TaxCost
Chat>In-Person>App
false
21:15-08:15
62
113
59
50
Brokerage;CreditBureau;OpenBanking;Payroll
3
Hybrid
PlanUpdate
2025-10-30
Success
v2.10.4
NoAutoTradesBelow$1k;NoPennyStocks;PauseWhenVIX>30
Enforce tax budget and position caps
A0204
Builder
90,195
324,838
12,633
11.9
2
10
US
Low
AccreditedOnly
null
PennyStocks
1.7
18
8.2
Home:3y;Retirement:30y;Debt:2y
3
Directive
Deep
TaxCost;MaxDD;IRR
Email>Chat>App>Phone>In-Person
true
21:45-07:00
65
85
53
50
CreditBureau;OpenBanking;Payroll
9
Hybrid
PlanUpdate
2025-02-16
Success
v1.9.3
NoAutoTradesBelow$1k;NoPennyStocks
Prioritize liquidity and down payment savings
A0205
Preserver
98,467
977,774
104,103
6.6
2
10
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1
9.5
8.5
Retirement:15y;Emergency:1y;Education:6y
15
Directive
Medium
Sharpe;TaxCost
Email>Phone>In-Person>App
true
23:30-07:30
75
161
64
65
Brokerage;OpenBanking
13
Hybrid
Rebalance
2025-03-30
Success
v2.9.3
NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0206
Builder
60,294
205,966
12,406
13.1
1
10
US
Low
null
null
Crypto;PrivateCredit
1.5
15.3
10.6
Home:3y;Retirement:30y;Education:6y
3
Concise
Medium
Sharpe;IRR
Chat>App>In-Person
true
20:15-08:15
61
146
61
59
OpenBanking
18
null
Rebalance
2025-11-09
Success
v2.10.5
NoPennyStocks;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0207
Preserver
95,357
1,360,981
48,704
7.3
1
10
US
Medium
null
NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
1
11.6
5.1
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Deep
MaxDD;Sharpe
App>Phone>Chat
true
20:45-08:15
67
215
56
45
Brokerage;CreditBureau;OpenBanking;Payroll
8
Hybrid
AutoTransfer
2025-07-01
Success
v2.9.6
NoMargin;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0208
Stabilizer
49,790
160,883
10,177
3.9
4
10
SG
Low
null
null
Crypto;LeveragedETFs;PennyStocks
0.9
12.3
5.9
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Shallow
Sharpe;MaxDD;TaxCost
Chat>App>Email>In-Person
true
22:15-06:15
66
162
74
65
CreditBureau;OpenBanking
7
Hybrid
PlanUpdate
2025-01-11
Success
v2.10.4
NoIlliquids;NoMargin;NoPennyStocks
Keep expenses buffer ≥ 4 months
A0209
Optimizer
114,966
1,725,056
51,117
8
1
12
US
Low
AccreditedOnly;NoShortSelling
NoTobacco;NoFossilFuel
PennyStocks
1.5
21.7
11.3
Wealth:10y;Estate:20y;Healthcare:8y
10
Educational
Shallow
IRR;TaxCost;Sharpe
Chat>Phone>In-Person
true
20:45-08:45
62
73
56
51
Brokerage;OpenBanking
4
Human
AlertAcknowledge
2025-04-18
Success
v1.8.6
NoIlliquids;NoMargin
Enforce tax budget and position caps
A0210
Stabilizer
82,211
274,921
31,803
5.1
4
10
CA
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1.1
8.7
7.5
Retirement:15y;Emergency:1y;Debt:2y
15
Concise
Medium
MaxDD;Sharpe;TaxCost
App>In-Person>Phone
true
22:00-07:00
53
165
45
41
OpenBanking
6
null
AutoTransfer
2024-12-30
Success
v2.9.9
LimitOrderOnly;NoPennyStocks;StopLossDisabled
Keep expenses buffer ≥ 4 months
A0211
Optimizer
161,098
1,835,971
109,905
9.6
2
12
US
Low
NoIlliquids
null
PennyStocks
1.6
24.1
13.9
Wealth:10y;Estate:20y;Education:6y
10
Concise
Deep
Sharpe;IRR;MaxDD
Phone>Chat>App
true
19:15-06:15
69
99
71
67
Brokerage;OpenBanking
4
Human
AutoTransfer
2025-05-15
Partial
v1.8.1
StopLossDisabled
Enforce tax budget and position caps
A0212
Preserver
124,476
852,251
96,725
5.6
4
15
IN
Medium
AccreditedOnly
NoTobacco;NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.2
13.2
8.4
Retirement:15y;Emergency:1y;Education:6y
15
Collaborative
Medium
TaxCost;MaxDD;Sharpe
Email>Phone>App>Chat
true
19:30-06:15
64
206
69
64
Brokerage;OpenBanking
10
Human
PlanUpdate
2025-05-03
Success
v1.8.8
NoAutoTradesBelow$1k;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0213
Preserver
88,437
380,047
35,221
8.9
1
10
AU
Low
null
null
Crypto;LeveragedETFs;PennyStocks
0.9
12.5
6.7
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Medium
TaxCost;Sharpe
App>Chat>In-Person
true
19:00-07:45
80
169
66
66
Brokerage;OpenBanking;Payroll
6
Hybrid
PlanUpdate
2025-03-29
Partial
v2.9.3
NoAutoTradesBelow$1k;NoMargin;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A0214
Explorer
34,988
397,828
11,832
17.6
4
10
US
Low
null
NoTobacco
LeveragedETFs;PennyStocks
2.1
21.9
15.9
Business:5y;Travel:2y
5
Educational
Medium
MaxDD;Sharpe;TaxCost
In-Person>App>Phone>Email>Chat
true
19:30-07:45
59
57
50
47
OpenBanking
3
Hybrid
Rebalance
2025-04-10
Success
v1.8.1
LimitOrderOnly;NoAutoTradesBelow$1k
Allow small experimental sleeve ≤ 3%
A0215
Builder
48,967
65,473
8,824
7.6
4
10
US
Low
AccreditedOnly
ESGOnly
LeveragedETFs;PrivateCredit
1.5
14.7
11
Home:3y;Retirement:30y
3
Educational
Medium
Sharpe;MaxDD;IRR
In-Person>Email>Phone
true
21:00-06:45
59
81
54
47
OpenBanking
13
Hybrid
Rebalance
2025-09-23
Success
v2.8.6
NoAutoTradesBelow$1k;NoPennyStocks;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0216
Stabilizer
143,935
753,947
44,490
6.3
4
12
US
Low
NoIlliquids;NoShortSelling
ESGOnly;NoFossilFuel
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1.1
8
5.2
Retirement:15y;Emergency:1y
15
Concise
Medium
MaxDD;TaxCost;Sharpe
Chat>In-Person>App
true
22:30-06:30
62
94
65
63
OpenBanking
12
null
Rebalance
2025-01-14
Success
v1.9.7
LimitOrderOnly;NoMargin;NoPennyStocks
Keep expenses buffer ≥ 4 months
A0217
Optimizer
188,721
4,302,421
126,443
8
4
12
US
Medium
NoDerivatives;NoIlliquids
NoFossilFuel
PennyStocks
1.5
23.8
9.3
Wealth:10y;Estate:20y
10
Educational
Medium
IRR;TaxCost;Sharpe
App>In-Person>Phone
true
23:30-06:15
62
106
71
60
Brokerage;OpenBanking
4
Hybrid
AlertAcknowledge
2025-06-19
Partial
v1.8.2
NoAutoTradesBelow$1k;StopLossDisabled
Enforce tax budget and position caps
A0218
Optimizer
145,046
1,871,176
85,539
10
2
12
US
High
NoDerivatives;AccreditedOnly
null
PennyStocks
1.7
23.7
13.8
Wealth:10y;Estate:20y;Healthcare:8y
10
Collaborative
Deep
TaxCost;MaxDD
Chat>Phone>Email>App
true
20:45-07:00
65
100
64
59
Brokerage;OpenBanking
7
null
AlertAcknowledge
2025-02-28
Success
v1.9.4
NoAutoTradesBelow$1k;NoIlliquids;NoPennyStocks
Enforce tax budget and position caps
A0219
Stabilizer
53,117
276,451
14,188
6.5
2
10
US
Low
NoDerivatives;NoShortSelling
null
Crypto;LeveragedETFs;PennyStocks
1
13.4
5.4
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Medium
MaxDD;Sharpe
Email>In-Person>Phone>Chat
false
21:45-07:00
63
90
49
49
OpenBanking
8
Hybrid
PlanUpdate
2025-09-05
Success
v1.8.3
StopLossDisabled
Keep expenses buffer ≥ 4 months
A0220
Stabilizer
73,242
328,346
17,021
4.7
3
10
US
High
null
NoWeapons;NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
1.1
12.7
5
Retirement:15y;Emergency:1y;Healthcare:8y
15
Collaborative
Medium
MaxDD;Sharpe
Phone>Chat>Email>App>In-Person
true
20:45-08:30
50
129
40
37
CreditBureau;OpenBanking;Payroll
5
Hybrid
Rebalance
2025-06-27
Success
v2.8.8
NoAutoTradesBelow$1k;NoIlliquids;NoMargin;PauseWhenVIX>30
Keep expenses buffer ≥ 4 months
A0221
Optimizer
64,354
1,359,806
30,941
7.8
3
10
US
Low
NoShortSelling;NoDerivatives
null
Crypto;PennyStocks
1.6
26
13.2
Wealth:10y;Estate:20y;Healthcare:8y
10
Concise
Deep
MaxDD;TaxCost;Sharpe
App>Email>In-Person>Phone>Chat
true
19:00-06:30
76
84
68
62
Brokerage;OpenBanking
1
Hybrid
Rebalance
2025-12-06
Success
v2.10.5
PauseWhenVIX>30;StopLossDisabled
Enforce tax budget and position caps
A0222
Explorer
51,618
359,143
13,323
18
1
10
AU
High
NoDerivatives;AccreditedOnly
NoFossilFuel;NoWeapons
LeveragedETFs;PrivateCredit
1.9
27
13.6
Business:5y;Travel:2y
5
Collaborative
Shallow
TaxCost;MaxDD;IRR
Email>Chat>App>In-Person
false
23:15-07:15
40
90
33
24
OpenBanking;Payroll
2
Hybrid
PlanUpdate
2025-06-01
Success
v2.8.7
LimitOrderOnly
Allow small experimental sleeve ≤ 3%
A0223
Preserver
89,493
923,200
54,062
8.6
1
10
CA
Low
NoIlliquids;NoDerivatives
NoTobacco;NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.1
15.1
8.3
Retirement:15y;Emergency:1y;Education:6y
15
Directive
Medium
TaxCost;MaxDD
Chat>Phone>App
false
21:30-08:45
79
125
64
58
Brokerage;CreditBureau;OpenBanking
14
Human
PlanUpdate
2025-08-09
Success
v1.9.9
NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0224
Builder
56,233
231,321
5,406
9.4
4
10
AU
Low
NoDerivatives
NoFossilFuel;NoWeapons
null
1.5
20.5
9.5
Home:3y;Retirement:30y;Healthcare:8y
3
Collaborative
Deep
IRR;MaxDD
Chat>App>Email>Phone
true
23:45-08:15
60
86
54
54
CreditBureau;OpenBanking
6
Human
Rebalance
2025-06-11
Partial
v1.8.9
NoAutoTradesBelow$1k;NoMargin
Prioritize liquidity and down payment savings
A0225
Explorer
101,770
565,300
29,800
18.1
3
12
US
Low
null
null
Crypto;LeveragedETFs
2
32.7
13.9
Business:5y;Travel:2y;Debt:2y
5
Educational
Deep
IRR;TaxCost
In-Person>Email>Chat>Phone
true
22:15-08:30
67
46
59
56
OpenBanking
3
Hybrid
PlanUpdate
2025-01-28
Partial
v2.9.7
LimitOrderOnly;StopLossDisabled
Allow small experimental sleeve ≤ 3%
A0226
Preserver
55,966
220,245
19,178
5.2
2
10
US
Low
null
NoTobacco
Crypto;LeveragedETFs;PennyStocks
1.1
9.4
7.9
Retirement:15y;Emergency:1y;Debt:2y
15
Directive
Medium
Sharpe;TaxCost;MaxDD
App>In-Person>Chat>Phone>Email
true
22:30-08:30
67
209
62
62
Brokerage;CreditBureau;OpenBanking
7
null
PlanUpdate
2025-09-25
Success
v2.8.1
LimitOrderOnly;NoAutoTradesBelow$1k;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0227
Builder
44,826
186,195
5,794
9.2
3
10
CA
Low
null
null
PennyStocks;PrivateCredit
1.4
21.3
7.4
Home:3y;Retirement:30y;Debt:2y
3
Concise
Medium
MaxDD;IRR;Sharpe
Email>Phone>App
true
21:30-07:00
66
85
60
49
OpenBanking;Payroll
17
Hybrid
PlanUpdate
2025-12-12
Failed
v1.8.5
NoIlliquids
Prioritize liquidity and down payment savings
A0228
Builder
35,645
96,018
4,189
10.3
1
10
US
Low
NoIlliquids;NoShortSelling
null
PennyStocks;PrivateCredit
1.5
14.3
11.3
Home:3y;Retirement:30y;Education:6y
3
Educational
Deep
Sharpe;MaxDD;TaxCost
Phone>Email>App
true
21:45-07:45
60
148
61
51
OpenBanking
11
Hybrid
AlertAcknowledge
2025-04-09
Partial
v1.8.7
LimitOrderOnly;NoPennyStocks
Prioritize liquidity and down payment savings
A0229
Stabilizer
43,491
131,233
11,021
7.9
2
10
US
Low
null
NoWeapons
Crypto;LeveragedETFs;PennyStocks
0.9
15.9
5.7
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Medium
MaxDD;TaxCost
App>In-Person>Email>Phone>Chat
true
23:30-08:15
65
156
74
66
OpenBanking
5
null
AutoTransfer
2025-12-12
Success
v2.9.1
NoAutoTradesBelow$1k;NoIlliquids;NoMargin
Keep expenses buffer ≥ 4 months
A0230
Optimizer
128,287
1,303,147
68,067
8.7
2
12
US
Low
AccreditedOnly;NoIlliquids
null
PennyStocks;PrivateCredit
1.8
16.8
11.3
Wealth:10y;Estate:20y;Debt:2y
10
Collaborative
Shallow
IRR;TaxCost
App>In-Person>Chat
false
22:00-06:15
67
88
65
55
Brokerage;OpenBanking
7
Human
Rebalance
2025-07-02
Partial
v2.9.7
NoAutoTradesBelow$1k;NoIlliquids
Enforce tax budget and position caps
A0231
Preserver
52,042
233,995
16,741
7.6
2
10
US
Low
AccreditedOnly
NoFossilFuel;NoTobacco
Crypto;LeveragedETFs;PennyStocks
1.1
10.8
5.8
Retirement:15y;Emergency:1y
15
Collaborative
Medium
TaxCost;Sharpe;MaxDD
Email>Chat>In-Person>Phone>App
true
22:30-07:00
69
196
73
66
Brokerage;CreditBureau;OpenBanking;Payroll
8
Hybrid
PlanUpdate
2025-08-15
Success
v2.9.9
NoAutoTradesBelow$1k;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0232
Stabilizer
100,370
611,128
39,681
7
4
12
US
Medium
NoDerivatives;AccreditedOnly
NoTobacco;NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.1
8.6
5.3
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Medium
TaxCost;Sharpe
Email>App>In-Person
true
21:00-06:00
53
107
40
30
OpenBanking
17
Hybrid
AutoTransfer
2025-04-07
Success
v2.8.7
NoAutoTradesBelow$1k
Keep expenses buffer ≥ 4 months
A0233
Preserver
89,435
1,036,457
69,206
5.6
3
10
US
Low
NoIlliquids;AccreditedOnly
NoTobacco
Crypto;LeveragedETFs;PennyStocks
1
13.3
7.5
Retirement:15y;Emergency:1y
15
Directive
Medium
MaxDD;Sharpe
App>Email>In-Person
true
20:30-08:00
80
157
76
74
Brokerage;OpenBanking
3
Hybrid
AutoTransfer
2025-11-29
Success
v2.10.2
NoPennyStocks;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0234
Preserver
101,469
689,452
25,012
6.3
3
12
US
Low
null
ESGOnly
Crypto;LeveragedETFs;PennyStocks
1.1
8.8
5.8
Retirement:15y;Emergency:1y
15
Concise
Medium
TaxCost;MaxDD
Phone>Chat>App>Email
true
22:15-08:45
82
153
89
93
Brokerage;CreditBureau;OpenBanking
5
Hybrid
Rebalance
2025-10-27
Success
v2.8.5
LimitOrderOnly;NoMargin;PauseWhenVIX>30;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0235
Preserver
112,311
1,932,821
111,343
4.5
4
12
US
Low
NoShortSelling
ESGOnly
Crypto;LeveragedETFs;PennyStocks
1.1
11.6
6.3
Retirement:15y;Emergency:1y;Healthcare:8y
15
Concise
Deep
TaxCost;Sharpe;MaxDD
Chat>Email>In-Person>App
true
21:00-08:15
77
240
84
75
Brokerage;CreditBureau;OpenBanking
8
Human
AutoTransfer
2025-05-05
Failed
v2.10.7
NoIlliquids;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0236
Explorer
54,427
100,961
8,055
14
2
10
AU
Low
null
NoWeapons
PennyStocks
1.6
27.4
16.5
Business:5y;Travel:2y
5
Educational
Shallow
MaxDD;IRR;TaxCost
App>Chat>Email
true
21:00-08:15
61
82
55
53
CreditBureau;OpenBanking
6
null
PlanUpdate
2025-03-17
Success
v1.10.9
NoIlliquids;NoMargin;NoPennyStocks
Allow small experimental sleeve ≤ 3%
A0237
Stabilizer
112,830
256,299
28,714
7.3
2
15
SG
Medium
NoDerivatives
NoTobacco
Crypto;LeveragedETFs;PennyStocks
1.1
11.9
7.8
Retirement:15y;Emergency:1y;Education:6y
15
Directive
Medium
MaxDD;Sharpe
Chat>Phone>App>Email
false
19:00-08:00
56
113
63
66
OpenBanking;Payroll
16
Human
PlanUpdate
2025-09-21
Failed
v2.9.7
LimitOrderOnly;NoMargin
Keep expenses buffer ≥ 4 months
A0238
Optimizer
109,406
1,662,122
68,532
8.7
2
15
SG
Medium
null
null
PennyStocks
1.8
16.9
12.9
Wealth:10y;Estate:20y;Education:6y
10
Collaborative
Shallow
MaxDD;IRR
App>Phone>In-Person>Chat>Email
false
22:45-06:30
62
94
57
52
Brokerage;OpenBanking;Payroll
2
null
AutoTransfer
2025-06-30
Partial
v1.8.8
NoIlliquids;NoPennyStocks
Enforce tax budget and position caps
A0239
Preserver
125,195
464,756
59,365
7.4
1
12
US
Low
null
NoWeapons
Crypto;LeveragedETFs;PennyStocks
1
10.6
7.3
Retirement:15y;Emergency:1y
15
Concise
Shallow
MaxDD;Sharpe
Email>App>In-Person
true
20:30-06:30
73
224
81
72
Brokerage;OpenBanking
10
null
AutoTransfer
2025-01-07
Failed
v2.10.2
LimitOrderOnly;NoMargin;PauseWhenVIX>30;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0240
Preserver
91,158
618,353
54,870
6.2
3
10
AU
Low
NoDerivatives;NoIlliquids
ESGOnly
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1.1
8.4
5.8
Retirement:15y;Emergency:1y;Healthcare:8y
15
Collaborative
Deep
MaxDD;Sharpe;TaxCost
App>Email>In-Person>Chat
false
20:45-08:30
80
185
74
69
Brokerage;OpenBanking
12
Human
AlertAcknowledge
2025-03-07
Failed
v2.8.3
LimitOrderOnly;NoIlliquids;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0241
Preserver
110,896
1,290,781
53,400
4.2
4
15
CA
Low
null
NoFossilFuel
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
0.9
10.7
8.7
Retirement:15y;Emergency:1y
15
Educational
Shallow
Sharpe;MaxDD;TaxCost
Chat>In-Person>Email>Phone
true
19:30-07:15
76
172
63
62
Brokerage;OpenBanking
10
Human
Rebalance
2025-07-16
Success
v1.8.3
NoAutoTradesBelow$1k;NoMargin;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0242
Optimizer
138,667
1,533,274
71,026
10.7
3
12
US
Medium
NoIlliquids
ESGOnly;NoWeapons
PennyStocks
1.7
16.8
11.5
Wealth:10y;Estate:20y;Education:6y
10
Collaborative
Deep
IRR;Sharpe
In-Person>App>Phone>Chat>Email
true
21:30-08:15
67
85
67
67
Brokerage;CreditBureau;OpenBanking
2
null
AutoTransfer
2025-05-04
Failed
v2.9.9
NoMargin;PauseWhenVIX>30
Enforce tax budget and position caps
A0243
Optimizer
136,623
1,158,217
78,939
8.5
1
12
US
Medium
null
null
LeveragedETFs;PennyStocks
1.8
22.8
10.8
Wealth:10y;Estate:20y;Healthcare:8y
10
Directive
Medium
MaxDD;IRR;Sharpe
In-Person>App>Chat
true
20:45-06:15
68
91
57
51
Brokerage;OpenBanking
7
Hybrid
AutoTransfer
2025-04-29
Success
v2.10.6
NoPennyStocks;PauseWhenVIX>30
Enforce tax budget and position caps
A0244
Stabilizer
48,571
256,136
25,354
4.3
4
10
US
Low
NoDerivatives;NoIlliquids
null
Crypto;LeveragedETFs;PennyStocks
1
14.8
5.7
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Deep
Sharpe;TaxCost
Phone>In-Person>App>Chat>Email
true
20:00-06:15
55
146
65
65
CreditBureau;OpenBanking;Payroll
11
null
Rebalance
2025-08-07
Success
v2.8.4
NoIlliquids;NoMargin
Keep expenses buffer ≥ 4 months
A0245
Stabilizer
87,822
224,125
7,655
6.6
1
10
DE
Medium
NoDerivatives;NoShortSelling
NoWeapons
Crypto;LeveragedETFs;PennyStocks
0.9
9
8.2
Retirement:15y;Emergency:1y;Debt:2y
15
Collaborative
Medium
MaxDD;TaxCost;Sharpe
In-Person>App>Phone
false
22:45-07:45
52
156
56
58
CreditBureau;OpenBanking
17
null
Rebalance
2025-06-05
Success
v2.10.8
NoMargin;NoPennyStocks;PauseWhenVIX>30
Keep expenses buffer ≥ 4 months
A0246
Stabilizer
63,961
200,207
19,173
4.8
3
10
AU
Low
null
NoTobacco
Crypto;LeveragedETFs;PennyStocks
1
13.8
7.4
Retirement:15y;Emergency:1y;Healthcare:8y
15
Concise
Medium
Sharpe;TaxCost;MaxDD
In-Person>App>Email>Phone
false
19:30-06:00
61
122
65
66
CreditBureau;OpenBanking
20
null
AutoTransfer
2025-09-26
Failed
v1.10.3
NoMargin;StopLossDisabled
Keep expenses buffer ≥ 4 months
A0247
Builder
87,879
170,393
20,646
7.9
4
10
US
Low
NoIlliquids
null
null
1.5
22.9
7.5
Home:3y;Retirement:30y
3
Educational
Medium
Sharpe;TaxCost;IRR
Chat>App>Phone>Email>In-Person
true
20:15-06:00
65
94
63
58
CreditBureau;OpenBanking;Payroll
9
null
PlanUpdate
2025-06-13
Success
v1.8.2
NoIlliquids;StopLossDisabled
Prioritize liquidity and down payment savings
A0248
Optimizer
41,099
745,293
22,804
8.6
2
10
AU
Low
null
NoWeapons
PennyStocks
1.5
22.1
11.1
Wealth:10y;Estate:20y;Education:6y
10
Concise
Shallow
TaxCost;Sharpe;IRR
Chat>App>Phone
true
21:00-08:00
74
62
63
58
Brokerage;OpenBanking
6
Hybrid
AutoTransfer
2025-01-17
Success
v1.10.1
NoMargin;PauseWhenVIX>30
Enforce tax budget and position caps
A0249
Builder
34,224
195,006
4,692
11.5
2
10
US
Low
NoShortSelling
null
null
1.7
19
7.3
Home:3y;Retirement:30y;Healthcare:8y
3
Concise
Deep
TaxCost;Sharpe;IRR
Email>In-Person>Phone
true
23:45-07:15
64
89
70
66
CreditBureau;OpenBanking
8
null
AutoTransfer
2025-07-09
Partial
v2.9.9
NoIlliquids;NoPennyStocks;StopLossDisabled
Prioritize liquidity and down payment savings
A0250
Optimizer
144,599
3,497,803
70,654
5.9
4
12
US
Medium
NoDerivatives
null
PennyStocks;PrivateCredit
1.5
26.9
12.6
Wealth:10y;Estate:20y
10
Concise
Shallow
TaxCost;IRR
Phone>App>Email
true
20:15-06:45
58
107
45
39
Brokerage;OpenBanking
7
null
AutoTransfer
2025-06-12
Success
v2.8.6
LimitOrderOnly
Enforce tax budget and position caps
A0251
Preserver
207,974
858,932
74,743
4.1
4
12
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1.1
15.7
5.5
Retirement:15y;Emergency:1y;Healthcare:8y
15
Concise
Deep
MaxDD;Sharpe
App>Email>Phone
false
20:30-07:45
73
151
67
62
Brokerage;CreditBureau;OpenBanking
13
Hybrid
Rebalance
2025-05-29
Success
v1.9.8
NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0252
Optimizer
183,052
892,879
82,210
9.9
3
12
US
Low
null
NoFossilFuel
PennyStocks
1.8
27.4
10.4
Wealth:10y;Estate:20y;Healthcare:8y
10
Educational
Medium
Sharpe;IRR
Email>Chat>Phone
true
21:45-07:45
67
81
65
53
Brokerage;CreditBureau;OpenBanking
5
Human
Rebalance
2025-03-15
Success
v1.10.6
NoIlliquids;NoPennyStocks
Enforce tax budget and position caps
A0253
Optimizer
85,714
1,310,286
47,010
12.5
1
10
US
Low
null
null
PennyStocks
1.8
26.2
13.8
Wealth:10y;Estate:20y;Healthcare:8y
10
Directive
Medium
MaxDD;TaxCost
App>Email>Chat>Phone
true
20:00-08:45
74
81
78
77
Brokerage;OpenBanking;Payroll
2
Hybrid
Rebalance
2025-09-06
Success
v1.10.1
NoAutoTradesBelow$1k;NoIlliquids
Enforce tax budget and position caps
A0254
Builder
30,902
115,305
5,569
9.2
4
10
SG
Low
null
null
Crypto
1.4
13.7
8.7
Home:3y;Retirement:30y;Healthcare:8y
3
Collaborative
Shallow
MaxDD;TaxCost
In-Person>Email>App>Phone
true
20:45-06:00
59
120
57
51
CreditBureau;OpenBanking
20
null
PlanUpdate
2025-01-25
Success
v2.10.8
NoIlliquids;NoMargin;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0255
Builder
92,430
237,248
10,636
10.6
3
10
CA
Medium
null
null
LeveragedETFs;PrivateCredit
1.7
15.4
9.5
Home:3y;Retirement:30y;Healthcare:8y
3
Educational
Shallow
Sharpe;MaxDD
Email>Chat>In-Person>Phone
false
22:00-08:15
63
146
61
54
OpenBanking;Payroll
10
null
AlertAcknowledge
2025-07-22
Success
v1.8.4
NoIlliquids
Prioritize liquidity and down payment savings
A0256
Stabilizer
70,696
159,118
14,895
4.7
3
10
IN
Low
null
NoFossilFuel;NoTobacco
Crypto;LeveragedETFs;PennyStocks
0.9
16.2
5.9
Retirement:15y;Emergency:1y
15
Educational
Medium
TaxCost;MaxDD;Sharpe
In-Person>App>Email>Phone>Chat
true
23:00-06:45
56
125
42
40
OpenBanking
10
null
AutoTransfer
2025-06-28
Success
v1.8.8
NoPennyStocks;PauseWhenVIX>30
Keep expenses buffer ≥ 4 months
A0257
Preserver
125,026
1,331,300
79,766
7.2
2
12
US
Low
null
NoFossilFuel;NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.2
8.7
8.6
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Medium
TaxCost;Sharpe;MaxDD
Email>Chat>App>In-Person>Phone
false
22:15-08:45
74
220
71
62
Brokerage;OpenBanking
13
null
AutoTransfer
2025-09-12
Success
v1.9.8
LimitOrderOnly;NoAutoTradesBelow$1k;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0258
Builder
69,695
214,654
10,519
9.2
4
10
US
Low
AccreditedOnly;NoShortSelling
ESGOnly
null
1.8
17.7
7.5
Home:3y;Retirement:30y;Education:6y
3
Directive
Medium
IRR;MaxDD;TaxCost
Chat>Phone>In-Person>Email>App
false
23:45-07:30
73
130
74
69
OpenBanking;Payroll
8
null
AutoTransfer
2025-11-14
Partial
v2.9.3
LimitOrderOnly;NoIlliquids
Prioritize liquidity and down payment savings
A0259
Optimizer
122,372
2,428,592
57,810
10.8
2
12
US
Low
AccreditedOnly;NoShortSelling
null
PennyStocks
1.8
23.8
10.8
Wealth:10y;Estate:20y;Healthcare:8y
10
Educational
Shallow
Sharpe;MaxDD;IRR
In-Person>App>Chat>Email
true
21:15-07:00
65
69
75
63
Brokerage;OpenBanking
4
Hybrid
PlanUpdate
2025-12-11
Success
v1.9.6
LimitOrderOnly
Enforce tax budget and position caps
A0260
Preserver
322,368
1,485,182
96,640
4.6
4
12
US
Low
NoDerivatives;AccreditedOnly
null
Crypto;LeveragedETFs;PennyStocks
1
10.3
7.6
Retirement:15y;Emergency:1y;Healthcare:8y
15
Concise
Deep
Sharpe;TaxCost;MaxDD
Chat>In-Person>Phone>Email
true
20:45-06:15
75
163
83
75
Brokerage;CreditBureau;OpenBanking
4
Human
AutoTransfer
2025-07-22
Success
v2.8.1
NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0261
Builder
65,988
146,171
8,703
11.1
4
10
DE
Low
null
NoWeapons
Crypto;LeveragedETFs
1.8
20.7
10.7
Home:3y;Retirement:30y;Healthcare:8y
3
Directive
Deep
IRR;MaxDD
Chat>Email>App>Phone
false
23:15-08:45
59
146
59
58
OpenBanking
9
Hybrid
AutoTransfer
2025-02-25
Success
v1.8.1
PauseWhenVIX>30;StopLossDisabled
Prioritize liquidity and down payment savings
A0262
Builder
61,595
302,725
8,127
13.6
1
10
US
Medium
NoIlliquids
NoTobacco
null
1.6
17.9
9.5
Home:3y;Retirement:30y
3
Directive
Shallow
TaxCost;Sharpe
Phone>App>In-Person
true
19:30-06:45
53
95
60
48
CreditBureau;OpenBanking
15
Human
PlanUpdate
2025-12-03
Success
v2.8.9
NoMargin;PauseWhenVIX>30;StopLossDisabled
Prioritize liquidity and down payment savings
A0263
Preserver
94,034
538,248
40,316
5.5
3
10
CA
Medium
AccreditedOnly
ESGOnly;NoTobacco
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1.1
17.6
7
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Shallow
MaxDD;Sharpe;TaxCost
In-Person>Phone>Chat>App
true
23:15-06:30
63
138
63
57
Brokerage;CreditBureau;OpenBanking;Payroll
9
Hybrid
PlanUpdate
2025-06-30
Success
v1.8.5
NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0264
Preserver
78,165
287,776
10,758
6.2
2
10
US
Low
null
NoTobacco
Crypto;LeveragedETFs;PennyStocks
1.1
8.6
6.2
Retirement:15y;Emergency:1y
15
Concise
Deep
Sharpe;TaxCost
Phone>In-Person>Chat>App
true
21:00-07:15
80
135
67
56
Brokerage;OpenBanking
7
Hybrid
AlertAcknowledge
2025-06-28
Success
v1.9.3
NoIlliquids;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0265
Builder
103,317
450,480
33,358
7.5
4
12
US
Medium
AccreditedOnly
null
null
1.6
18.8
9
Home:3y;Retirement:30y
3
Directive
Shallow
TaxCost;MaxDD;Sharpe
Phone>Email>App
true
19:45-08:15
54
102
59
52
OpenBanking
10
Hybrid
AlertAcknowledge
2025-05-01
Success
v1.10.4
NoIlliquids
Prioritize liquidity and down payment savings
A0266
Preserver
85,690
337,377
50,582
6.1
1
10
US
Low
null
ESGOnly;NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
1.1
13.6
5.1
Retirement:15y;Emergency:1y;Healthcare:8y
15
Directive
Shallow
MaxDD;Sharpe;TaxCost
Chat>Phone>App>Email>In-Person
true
21:45-07:30
76
203
69
69
Brokerage;CreditBureau;OpenBanking;Payroll
8
null
AutoTransfer
2025-07-19
Success
v1.9.1
LimitOrderOnly;NoMargin;NoPennyStocks;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0267
Preserver
127,309
1,313,829
101,742
5.7
3
15
AU
Low
null
null
Crypto;LeveragedETFs;PennyStocks
0.9
11.1
6.8
Retirement:15y;Emergency:1y;Healthcare:8y
15
Concise
Medium
MaxDD;Sharpe
Email>App>Phone>In-Person>Chat
false
22:30-06:15
81
162
71
68
Brokerage;CreditBureau;OpenBanking
13
null
AlertAcknowledge
2025-07-26
Success
v2.10.3
NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0268
Preserver
110,618
1,240,005
86,140
3.9
4
12
US
Low
null
NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
0.9
13.4
7.7
Retirement:15y;Emergency:1y;Healthcare:8y
15
Directive
Deep
TaxCost;MaxDD
In-Person>App>Chat
true
23:45-06:30
83
198
73
74
Brokerage;CreditBureau;OpenBanking;Payroll
6
Hybrid
AutoTransfer
2025-12-14
Success
v2.9.2
NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0269
Optimizer
221,791
4,942,564
123,807
11.7
2
12
US
Low
null
NoFossilFuel;NoWeapons
PennyStocks
1.5
19.3
12
Wealth:10y;Estate:20y
10
Collaborative
Deep
TaxCost;MaxDD
App>In-Person>Email
true
23:45-08:45
63
85
61
61
Brokerage;OpenBanking;Payroll
3
Hybrid
PlanUpdate
2025-02-23
Success
v1.10.8
LimitOrderOnly
Enforce tax budget and position caps
A0270
Preserver
116,782
559,646
48,362
4.8
3
15
IN
Low
NoDerivatives;NoIlliquids
NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
0.9
16
8.7
Retirement:15y;Emergency:1y
15
Collaborative
Shallow
MaxDD;TaxCost;Sharpe
In-Person>Email>Phone>App
true
19:00-07:30
68
131
76
80
Brokerage;OpenBanking
5
Human
PlanUpdate
2025-03-23
Partial
v1.10.9
NoAutoTradesBelow$1k;NoIlliquids;NoMargin;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A0271
Builder
38,329
128,941
3,978
10.4
4
10
CA
Medium
null
null
null
1.5
14.7
7.1
Home:3y;Retirement:30y;Education:6y
3
Concise
Medium
MaxDD;Sharpe
App>In-Person>Chat>Phone
true
22:15-07:15
50
113
36
31
CreditBureau;OpenBanking;Payroll
7
Human
AlertAcknowledge
2025-04-28
Success
v2.9.1
NoIlliquids;NoMargin;NoPennyStocks
Prioritize liquidity and down payment savings
A0272
Optimizer
62,115
760,511
24,483
9.7
1
10
US
Low
null
null
PennyStocks
1.8
25.3
9.4
Wealth:10y;Estate:20y;Healthcare:8y
10
Concise
Medium
TaxCost;Sharpe
Phone>Email>In-Person>App>Chat
true
20:45-06:15
68
61
73
62
Brokerage;CreditBureau;OpenBanking
2
Hybrid
Rebalance
2025-03-22
Success
v1.9.4
LimitOrderOnly;NoAutoTradesBelow$1k
Enforce tax budget and position caps
A0273
Builder
124,712
448,381
15,591
12.6
1
12
US
Low
null
null
LeveragedETFs;PrivateCredit
1.7
21.1
9.4
Home:3y;Retirement:30y;Healthcare:8y
3
Educational
Deep
IRR;MaxDD;Sharpe
Phone>In-Person>App>Chat>Email
true
22:30-07:30
73
113
69
65
CreditBureau;OpenBanking
16
null
AutoTransfer
2025-04-10
Success
v1.8.8
LimitOrderOnly
Prioritize liquidity and down payment savings
A0274
Stabilizer
56,632
229,812
19,525
5.3
3
10
US
High
null
NoFossilFuel
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1
9.6
5.7
Retirement:15y;Emergency:1y;Healthcare:8y
15
Educational
Medium
Sharpe;TaxCost
App>In-Person>Chat
true
22:45-08:30
53
132
56
58
CreditBureau;OpenBanking
6
Human
AutoTransfer
2025-05-03
Success
v1.8.5
LimitOrderOnly;NoMargin;PauseWhenVIX>30
Keep expenses buffer ≥ 4 months
A0275
Optimizer
62,298
508,043
37,508
10.5
2
10
IN
Low
null
NoFossilFuel;ESGOnly
PennyStocks;PrivateCredit
1.8
15.8
13.1
Wealth:10y;Estate:20y;Debt:2y
10
Concise
Deep
Sharpe;TaxCost
Email>Chat>App
false
22:45-06:30
72
89
62
56
Brokerage;OpenBanking
3
Hybrid
PlanUpdate
2025-05-12
Success
v1.8.4
NoMargin;NoPennyStocks;PauseWhenVIX>30
Enforce tax budget and position caps
A0276
Preserver
75,519
452,244
63,772
5.3
2
10
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
0.9
9.4
7.7
Retirement:15y;Emergency:1y;Education:6y
15
Collaborative
Medium
MaxDD;Sharpe
App>In-Person>Email
true
23:00-06:00
67
168
74
63
Brokerage;OpenBanking;Payroll
12
null
AutoTransfer
2025-03-30
Failed
v1.10.2
LimitOrderOnly;NoIlliquids;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A0277
Optimizer
226,910
5,793,279
206,584
9.9
2
12
US
Medium
NoDerivatives;AccreditedOnly
ESGOnly;NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.5
25.3
12.8
Wealth:10y;Estate:20y;Debt:2y
10
Concise
Medium
MaxDD;IRR;TaxCost
Phone>Email>App>In-Person>Chat
true
20:45-06:45
57
64
50
39
Brokerage;CreditBureau;OpenBanking
1
Human
Rebalance
2025-02-15
Failed
v2.10.5
StopLossDisabled
Enforce tax budget and position caps
A0278
Builder
34,923
26,856
1,551
13.8
2
10
CA
Low
null
null
PennyStocks;PrivateCredit
1.4
20.3
8.2
Home:3y;Retirement:30y;Debt:2y
3
Concise
Shallow
TaxCost;Sharpe
App>Phone>Chat
false
21:00-06:45
68
81
60
54
OpenBanking;Payroll
20
null
PlanUpdate
2025-02-11
Partial
v2.10.1
NoAutoTradesBelow$1k;NoIlliquids;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0279
Optimizer
78,178
855,226
45,556
8
4
10
US
Medium
null
null
PennyStocks
1.6
20
11.9
Wealth:10y;Estate:20y
10
Concise
Medium
Sharpe;MaxDD;IRR
Chat>App>In-Person>Email>Phone
false
21:45-08:00
60
66
59
56
Brokerage;CreditBureau;OpenBanking
7
Hybrid
AutoTransfer
2025-08-28
Success
v1.9.2
LimitOrderOnly;NoAutoTradesBelow$1k;PauseWhenVIX>30
Enforce tax budget and position caps
A0280
Explorer
49,017
284,114
15,489
17.5
4
10
CA
Low
null
NoTobacco;NoFossilFuel
LeveragedETFs;PrivateCredit
2
21.6
15.1
Business:5y;Travel:2y;Debt:2y
5
Educational
Medium
TaxCost;IRR;MaxDD
Phone>Chat>Email
true
23:00-08:15
70
53
73
63
OpenBanking;Payroll
5
Hybrid
PlanUpdate
2025-02-15
Success
v2.10.9
LimitOrderOnly;StopLossDisabled
Allow small experimental sleeve ≤ 3%
A0281
Preserver
59,845
401,380
24,084
3.7
4
10
UK
Low
null
NoTobacco;ESGOnly
Crypto;LeveragedETFs;PennyStocks
1.1
8.1
7.7
Retirement:15y;Emergency:1y
15
Directive
Medium
TaxCost;MaxDD
Email>Phone>App>In-Person>Chat
false
19:45-06:15
83
168
82
82
Brokerage;CreditBureau;OpenBanking;Payroll
3
Hybrid
PlanUpdate
2025-06-04
Success
v2.8.7
NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0282
Builder
38,834
70,550
5,778
13.1
2
10
SG
Medium
NoShortSelling;AccreditedOnly
null
null
1.7
21.7
7.1
Home:3y;Retirement:30y;Education:6y
3
Directive
Medium
MaxDD;IRR;Sharpe
Chat>Email>App>Phone>In-Person
true
22:45-07:15
53
150
40
40
OpenBanking
9
Hybrid
AutoTransfer
2025-09-14
Success
v2.9.8
NoIlliquids
Prioritize liquidity and down payment savings
A0283
Stabilizer
38,653
76,751
7,799
4.9
4
10
US
Low
AccreditedOnly
null
Crypto;LeveragedETFs;PennyStocks
0.9
16.3
8
Retirement:15y;Emergency:1y
15
Collaborative
Deep
MaxDD;Sharpe
App>In-Person>Phone>Chat>Email
true
22:00-08:45
65
126
74
68
OpenBanking
17
Hybrid
PlanUpdate
2025-06-12
Success
v1.8.9
LimitOrderOnly;NoIlliquids;NoMargin;PauseWhenVIX>30
Keep expenses buffer ≥ 4 months
A0284
Preserver
82,086
1,257,928
76,985
6.6
4
10
US
Low
AccreditedOnly
null
Crypto;LeveragedETFs;PennyStocks
1
13.7
5.3
Retirement:15y;Emergency:1y;Healthcare:8y
15
Educational
Medium
Sharpe;TaxCost;MaxDD
Chat>Phone>App
false
23:00-07:15
76
147
66
59
Brokerage;CreditBureau;OpenBanking
4
null
AlertAcknowledge
2025-01-18
Failed
v2.9.6
LimitOrderOnly;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0285
Preserver
85,651
913,347
61,275
6.5
2
10
US
Medium
AccreditedOnly;NoIlliquids
null
Crypto;LeveragedETFs;PennyStocks
1.1
15
7.5
Retirement:15y;Emergency:1y;Healthcare:8y
15
Educational
Medium
MaxDD;Sharpe;TaxCost
Email>Phone>In-Person
true
23:15-08:30
72
175
67
60
Brokerage;CreditBureau;OpenBanking
10
Hybrid
AlertAcknowledge
2025-05-22
Success
v2.9.6
LimitOrderOnly;NoAutoTradesBelow$1k;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0286
Preserver
75,130
539,878
51,133
6.9
1
10
US
Low
null
NoFossilFuel
Crypto;LeveragedETFs;PennyStocks
1
8.4
6
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Shallow
MaxDD;TaxCost;Sharpe
App>In-Person>Phone>Chat
false
20:30-07:45
82
226
83
78
Brokerage;CreditBureau;OpenBanking;Payroll
6
Human
AlertAcknowledge
2025-02-04
Success
v2.9.4
LimitOrderOnly;NoAutoTradesBelow$1k;NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0287
Preserver
50,945
361,601
19,395
7.6
2
10
AU
Medium
null
null
Crypto;LeveragedETFs;PennyStocks
1.1
8.5
8.3
Retirement:15y;Emergency:1y;Education:6y
15
Collaborative
Medium
TaxCost;MaxDD
In-Person>Chat>Email
true
20:00-07:00
69
127
57
56
Brokerage;OpenBanking
10
Hybrid
Rebalance
2025-02-20
Success
v2.8.5
NoAutoTradesBelow$1k;NoIlliquids;NoMargin;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A0288
Builder
116,308
312,295
18,800
11
3
15
IN
Low
NoIlliquids;NoShortSelling
NoWeapons;NoFossilFuel
null
1.4
16
8
Home:3y;Retirement:30y
3
Directive
Deep
TaxCost;IRR;MaxDD
App>Chat>In-Person>Phone>Email
true
21:30-07:00
60
127
58
52
CreditBureau;OpenBanking;Payroll
5
null
PlanUpdate
2025-09-01
Success
v1.9.1
NoAutoTradesBelow$1k;NoMargin;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0289
Builder
36,385
193,189
3,195
9.1
2
10
US
Low
null
NoTobacco;NoFossilFuel
PennyStocks
1.7
24.2
9.6
Home:3y;Retirement:30y
3
Directive
Medium
Sharpe;IRR
Email>App>Chat>In-Person
false
22:00-07:00
71
110
67
56
CreditBureau;OpenBanking
11
null
Rebalance
2025-08-17
Partial
v2.10.7
NoIlliquids;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0290
Preserver
110,328
646,916
95,053
5
3
12
US
Low
AccreditedOnly
ESGOnly;NoWeapons
Crypto;LeveragedETFs;PennyStocks
1
14.9
5.5
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Medium
MaxDD;Sharpe;TaxCost
Chat>Email>App>Phone
true
23:30-06:00
71
181
74
70
Brokerage;CreditBureau;OpenBanking
10
Human
Rebalance
2025-01-03
Success
v2.9.1
NoIlliquids;NoMargin;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A0291
Preserver
64,221
313,065
13,612
3.9
3
10
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1.1
9.9
8
Retirement:15y;Emergency:1y;Healthcare:8y
15
Directive
Shallow
TaxCost;MaxDD
Phone>In-Person>Chat>Email
true
21:30-07:00
67
238
68
62
Brokerage;OpenBanking
12
null
PlanUpdate
2025-05-14
Partial
v2.9.1
NoAutoTradesBelow$1k;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A0292
Builder
89,388
207,269
7,324
7.8
4
10
DE
Low
AccreditedOnly
null
null
1.7
24.3
9.6
Home:3y;Retirement:30y;Debt:2y
3
Educational
Medium
MaxDD;Sharpe;IRR
Email>Chat>App>Phone>In-Person
true
21:45-07:00
68
144
53
48
OpenBanking;Payroll
14
Hybrid
AlertAcknowledge
2025-05-23
Partial
v2.10.5
NoAutoTradesBelow$1k;NoIlliquids;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A0293
Stabilizer
109,256
664,351
44,050
7.5
1
15
DE
Low
NoDerivatives;NoIlliquids
NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.1
14.1
7.3
Retirement:15y;Emergency:1y
15
Educational
Shallow
TaxCost;Sharpe;MaxDD
Phone>Chat>App>Email>In-Person
true
19:15-06:30
56
152
51
51
CreditBureau;OpenBanking
6
Hybrid
AlertAcknowledge
2025-10-01
Partial
v2.9.8
NoMargin;NoPennyStocks;StopLossDisabled
Keep expenses buffer ≥ 4 months
A0294
Preserver
69,491
316,964
39,199
7.9
1
10
US
Medium
AccreditedOnly;NoIlliquids
ESGOnly
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
0.9
10.9
6.5
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Medium
Sharpe;MaxDD;TaxCost
Phone>In-Person>Email>Chat>App
false
20:00-07:00
64
188
69
58
Brokerage;CreditBureau;OpenBanking;Payroll
6
null
AutoTransfer
2025-12-21
Success
v1.8.2
NoIlliquids;NoMargin;PauseWhenVIX>30;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A0295
Explorer
27,842
166,773
8,713
17.9
4
10
DE
High
NoShortSelling
ESGOnly;NoWeapons
Crypto;LeveragedETFs
2
25.9
14.2
Business:5y;Travel:2y;Debt:2y
5
Educational
Deep
IRR;TaxCost
In-Person>Chat>Phone
true
19:00-07:30
59
72
65
65
CreditBureau;OpenBanking;Payroll
1
null
PlanUpdate
2025-08-19
Success
v1.10.9
LimitOrderOnly;StopLossDisabled
Allow small experimental sleeve ≤ 3%
A0296
Builder
90,499
254,830
19,311
10
4
10
UK
Low
NoShortSelling
null
null
1.4
22.7
11.9
Home:3y;Retirement:30y
3
Collaborative
Medium
Sharpe;TaxCost;IRR
Email>Phone>App
false
22:30-06:00
62
75
54
42
OpenBanking;Payroll
7
Human
AutoTransfer
2025-01-25
Success
v2.9.9
LimitOrderOnly
Prioritize liquidity and down payment savings
A0297
Optimizer
308,013
5,734,438
139,870
6.5
4
12
US
Low
NoDerivatives
NoTobacco;NoWeapons
PennyStocks
1.5
19.1
12.8
Wealth:10y;Estate:20y;Education:6y
10
Collaborative
Deep
IRR;TaxCost;MaxDD
App>Chat>In-Person
true
22:00-06:00
75
75
86
85
Brokerage;OpenBanking
4
Hybrid
PlanUpdate
2025-08-30
Success
v1.10.7
StopLossDisabled
Enforce tax budget and position caps
A0298
Stabilizer
87,080
260,254
25,954
9.5
1
10
US
Low
null
NoTobacco;NoWeapons
Crypto;LeveragedETFs;PennyStocks
1
11.1
7
Retirement:15y;Emergency:1y;Healthcare:8y
15
Concise
Shallow
Sharpe;TaxCost;MaxDD
Chat>In-Person>Email>Phone>App
false
23:30-08:00
52
126
44
48
OpenBanking
16
Human
Rebalance
2025-01-13
Failed
v2.9.3
NoAutoTradesBelow$1k;NoMargin;PauseWhenVIX>30
Keep expenses buffer ≥ 4 months
A0299
Builder
71,128
83,135
10,287
11.1
4
10
US
Low
NoIlliquids
NoTobacco
LeveragedETFs
1.6
18.4
8
Home:3y;Retirement:30y
3
Concise
Shallow
MaxDD;Sharpe
Chat>Phone>In-Person>Email>App
false
19:30-06:00
61
79
70
58
OpenBanking
14
Human
AlertAcknowledge
2025-10-04
Success
v2.8.9
NoAutoTradesBelow$1k
Prioritize liquidity and down payment savings
A0300
Preserver
137,023
899,832
85,709
7.5
2
12
US
Low
null
NoTobacco;NoWeapons
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1
11
8.3
Retirement:15y;Emergency:1y
15
Collaborative
Deep
TaxCost;MaxDD;Sharpe
Chat>App>Email>Phone
true
23:00-06:00
70
189
78
79
Brokerage;CreditBureau;OpenBanking
7
Hybrid
PlanUpdate
2025-11-12
Success
v2.8.3
PauseWhenVIX>30;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown