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
A9901
Stabilizer
55,229
313,104
17,442
6.5
3
10
UK
Low
null
null
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1
11
5.3
Retirement:15y;Emergency:1y
15
Directive
Medium
Sharpe;TaxCost
Chat>App>Email
true
19:00-07:00
67
93
70
69
OpenBanking;Payroll
20
Hybrid
Rebalance
2025-09-23
Partial
v2.10.2
NoPennyStocks
Keep expenses buffer ≥ 4 months
A9902
Builder
25,059
39,549
1,995
10.6
3
10
US
Low
null
null
LeveragedETFs;PrivateCredit
1.8
15.7
9
Home:3y;Retirement:30y;Debt:2y
3
Concise
Deep
TaxCost;Sharpe;MaxDD
Chat>App>Email>In-Person>Phone
true
19:30-06:30
65
60
50
39
CreditBureau;OpenBanking
16
null
PlanUpdate
2025-05-10
Success
v1.8.6
NoAutoTradesBelow$1k;NoMargin;NoPennyStocks
Prioritize liquidity and down payment savings
A9903
Optimizer
77,580
1,292,258
36,698
8.4
3
10
US
Low
AccreditedOnly
NoTobacco
PennyStocks
1.6
25.6
11.4
Wealth:10y;Estate:20y
10
Educational
Medium
TaxCost;Sharpe
Email>App>Phone
false
19:45-07:45
69
77
63
61
Brokerage;OpenBanking
6
Hybrid
Rebalance
2025-08-30
Success
v1.10.2
NoAutoTradesBelow$1k;NoIlliquids;NoMargin
Enforce tax budget and position caps
A9904
Stabilizer
121,935
475,418
35,895
4.9
4
15
AU
Low
null
null
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1.1
16.7
8.7
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Shallow
Sharpe;MaxDD;TaxCost
Chat>In-Person>Phone>Email
true
20:30-08:00
66
175
73
65
CreditBureau;OpenBanking
15
null
AlertAcknowledge
2025-03-18
Success
v1.8.2
NoAutoTradesBelow$1k;NoMargin;PauseWhenVIX>30
Keep expenses buffer ≥ 4 months
A9905
Optimizer
96,355
744,171
38,783
7.4
3
10
US
Low
null
null
PennyStocks
1.5
23.3
13.2
Wealth:10y;Estate:20y;Healthcare:8y
10
Concise
Deep
MaxDD;Sharpe
Chat>Email>In-Person
true
22:45-06:00
62
80
63
55
Brokerage;CreditBureau;OpenBanking
3
Hybrid
AlertAcknowledge
2024-12-26
Partial
v1.9.8
NoAutoTradesBelow$1k
Enforce tax budget and position caps
A9906
Preserver
197,539
3,053,975
191,731
8.3
1
15
SG
Low
AccreditedOnly;NoDerivatives
NoWeapons
Crypto;LeveragedETFs;PennyStocks
1
11.4
6.5
Retirement:15y;Emergency:1y
15
Collaborative
Deep
TaxCost;MaxDD
App>Chat>Email
true
23:30-06:30
68
208
69
64
Brokerage;OpenBanking
10
Human
AutoTransfer
2025-01-16
Partial
v2.10.9
PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A9907
Stabilizer
76,265
192,788
8,689
7
3
10
CA
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1.1
11.3
6.4
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Deep
TaxCost;MaxDD;Sharpe
Phone>Email>App>In-Person
true
19:45-08:00
61
154
69
68
OpenBanking
14
Human
PlanUpdate
2025-09-26
Success
v1.10.8
NoMargin;NoPennyStocks
Keep expenses buffer ≥ 4 months
A9908
Builder
58,762
226,555
9,013
9.5
3
10
US
Low
NoShortSelling
NoWeapons;NoTobacco
null
1.8
20.4
10.1
Home:3y;Retirement:30y
3
Concise
Medium
TaxCost;MaxDD
App>Phone>In-Person>Chat>Email
true
19:00-07:00
67
82
66
61
CreditBureau;OpenBanking
20
Hybrid
PlanUpdate
2025-04-09
Partial
v1.9.5
NoAutoTradesBelow$1k
Prioritize liquidity and down payment savings
A9909
Stabilizer
71,237
292,512
16,474
10.3
1
10
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1.1
11.5
6.9
Retirement:15y;Emergency:1y;Education:6y
15
Concise
Deep
MaxDD;Sharpe
Phone>Email>Chat>In-Person>App
false
21:45-08:30
54
98
43
37
CreditBureau;OpenBanking;Payroll
12
null
Rebalance
2025-05-27
Success
v2.8.2
LimitOrderOnly;NoMargin
Keep expenses buffer ≥ 4 months
A9910
Preserver
66,808
745,513
80,693
6.2
2
10
US
Low
NoDerivatives;AccreditedOnly
null
Crypto;LeveragedETFs;PennyStocks
1.2
12.7
7.9
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Deep
MaxDD;Sharpe
Phone>In-Person>App>Email
false
20:45-06:00
79
165
67
58
Brokerage;CreditBureau;OpenBanking;Payroll
5
Hybrid
AutoTransfer
2025-12-24
Success
v2.9.7
NoMargin;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A9911
Explorer
80,269
330,880
27,431
19.6
3
10
DE
Low
null
null
PennyStocks
1.8
26.1
15.6
Business:5y;Travel:2y;Healthcare:8y
5
Directive
Medium
Sharpe;TaxCost
In-Person>Chat>App>Phone
false
22:00-08:30
58
60
65
64
CreditBureau;OpenBanking
6
Human
AutoTransfer
2025-04-27
Success
v2.9.6
NoIlliquids;NoMargin;PauseWhenVIX>30
Allow small experimental sleeve ≤ 3%
A9912
Builder
22,417
55,427
2,069
10.6
2
10
CA
Low
AccreditedOnly
ESGOnly;NoWeapons
null
1.6
21.2
9.5
Home:3y;Retirement:30y;Education:6y
3
Directive
Shallow
Sharpe;MaxDD;TaxCost
Phone>In-Person>Email
true
23:45-07:00
57
98
61
56
OpenBanking
19
Hybrid
PlanUpdate
2025-01-16
Success
v2.9.6
LimitOrderOnly;NoAutoTradesBelow$1k;NoMargin
Prioritize liquidity and down payment savings
A9913
Explorer
151,458
763,888
61,273
18.1
1
15
CA
Low
NoDerivatives;NoIlliquids
null
PennyStocks;PrivateCredit
1.8
20.9
14.4
Business:5y;Travel:2y;Debt:2y
5
Collaborative
Shallow
MaxDD;IRR;Sharpe
Phone>App>Chat>In-Person>Email
true
23:30-08:30
68
58
66
66
CreditBureau;OpenBanking
1
null
AlertAcknowledge
2025-05-31
Partial
v2.9.7
NoIlliquids;NoMargin;NoPennyStocks
Allow small experimental sleeve ≤ 3%
A9914
Preserver
96,533
1,151,454
80,843
4.5
4
10
US
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1.1
11
7.7
Retirement:15y;Emergency:1y
15
Directive
Deep
TaxCost;MaxDD;Sharpe
App>Chat>Phone>In-Person
true
23:45-06:15
82
147
67
66
Brokerage;CreditBureau;OpenBanking
8
null
AutoTransfer
2025-09-22
Success
v2.10.7
NoAutoTradesBelow$1k;NoMargin;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A9915
Preserver
64,056
333,531
40,199
4.2
4
10
US
Low
NoShortSelling;AccreditedOnly
null
Crypto;LeveragedETFs;PennyStocks
1
8.6
8.1
Retirement:15y;Emergency:1y
15
Concise
Medium
MaxDD;Sharpe
In-Person>App>Chat
true
23:15-06:45
76
177
69
62
Brokerage;OpenBanking
14
Hybrid
Rebalance
2025-08-16
Partial
v2.9.2
NoMargin;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A9916
Preserver
108,095
537,728
51,022
5.1
3
12
US
Medium
null
NoFossilFuel
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1.1
17.8
7
Retirement:15y;Emergency:1y
15
Collaborative
Shallow
Sharpe;TaxCost
In-Person>Chat>App>Email
true
23:45-06:45
75
222
62
51
Brokerage;CreditBureau;OpenBanking;Payroll
4
Hybrid
AutoTransfer
2025-01-16
Success
v1.8.1
LimitOrderOnly;NoAutoTradesBelow$1k;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A9917
Explorer
65,175
379,998
19,867
11.3
4
10
US
Low
null
NoFossilFuel
PennyStocks;PrivateCredit
1.9
22.7
18
Business:5y;Travel:2y;Healthcare:8y
5
Educational
Shallow
IRR;MaxDD
Email>Phone>In-Person>Chat
false
23:30-06:45
67
65
63
63
CreditBureau;OpenBanking;Payroll
5
null
Rebalance
2025-11-13
Partial
v2.8.5
LimitOrderOnly;NoIlliquids
Allow small experimental sleeve ≤ 3%
A9918
Preserver
102,997
1,004,218
100,299
7.6
1
15
AU
Medium
null
null
Crypto;LeveragedETFs;PennyStocks
1.1
12.2
5.6
Retirement:15y;Emergency:1y;Debt:2y
15
Concise
Medium
Sharpe;TaxCost;MaxDD
App>In-Person>Email
true
21:15-06:00
69
206
63
55
Brokerage;OpenBanking
6
Human
AlertAcknowledge
2025-03-28
Success
v1.8.8
PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A9919
Preserver
83,654
862,100
66,128
4.6
3
10
AU
Low
null
null
Crypto;LeveragedETFs;PennyStocks
1.1
14.7
8.4
Retirement:15y;Emergency:1y;Debt:2y
15
Collaborative
Medium
MaxDD;Sharpe;TaxCost
Email>App>Chat>Phone
true
20:00-08:00
73
185
83
74
Brokerage;OpenBanking
6
Hybrid
AutoTransfer
2025-02-27
Partial
v2.9.5
NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A9920
Stabilizer
87,165
597,962
22,293
7.1
1
10
UK
Low
null
NoTobacco;NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.1
12.1
7.7
Retirement:15y;Emergency:1y;Education:6y
15
Collaborative
Deep
Sharpe;TaxCost;MaxDD
Email>Chat>In-Person>Phone
false
22:15-07:45
59
91
57
45
CreditBureau;OpenBanking;Payroll
11
Hybrid
Rebalance
2025-07-23
Failed
v1.10.9
NoAutoTradesBelow$1k;NoMargin;NoPennyStocks
Keep expenses buffer ≥ 4 months
A9921
Builder
71,643
160,853
7,375
10.1
2
10
IN
Low
NoDerivatives
null
Crypto
1.5
22
11.9
Home:3y;Retirement:30y;Healthcare:8y
3
Educational
Medium
IRR;MaxDD
Email>Phone>In-Person>Chat>App
false
19:15-06:30
64
148
57
55
OpenBanking;Payroll
15
null
Rebalance
2025-08-28
Success
v2.8.1
LimitOrderOnly;NoIlliquids;NoPennyStocks
Prioritize liquidity and down payment savings
A9922
Stabilizer
64,261
543,004
23,020
6.9
4
10
US
Low
null
NoWeapons
Crypto;LeveragedETFs;PennyStocks
0.9
8.3
5.1
Retirement:15y;Emergency:1y;Healthcare:8y
15
Educational
Medium
MaxDD;TaxCost;Sharpe
Phone>App>Email>Chat
true
22:00-08:15
63
148
61
57
CreditBureau;OpenBanking
9
Hybrid
AutoTransfer
2025-12-06
Success
v2.10.7
NoMargin;NoPennyStocks
Keep expenses buffer ≥ 4 months
A9923
Builder
122,903
636,092
17,496
10.9
3
15
UK
Low
null
null
null
1.7
22.5
11.2
Home:3y;Retirement:30y;Education:6y
3
Collaborative
Deep
IRR;Sharpe
Phone>Chat>App
true
20:15-07:45
69
73
56
56
OpenBanking;Payroll
10
null
Rebalance
2025-04-15
Success
v1.9.1
NoAutoTradesBelow$1k
Prioritize liquidity and down payment savings
A9924
Optimizer
74,205
761,128
43,972
8.3
2
10
DE
Low
null
null
PennyStocks
1.8
24.5
12.1
Wealth:10y;Estate:20y;Debt:2y
10
Collaborative
Medium
Sharpe;MaxDD
App>Chat>Email>In-Person>Phone
true
22:00-08:45
61
98
55
55
Brokerage;OpenBanking;Payroll
3
Human
PlanUpdate
2025-11-23
Success
v1.9.9
LimitOrderOnly;NoMargin
Enforce tax budget and position caps
A9925
Builder
54,671
275,463
5,031
10.1
3
10
US
Low
null
NoTobacco
Crypto
1.7
20.9
9.3
Home:3y;Retirement:30y;Education:6y
3
Educational
Medium
IRR;Sharpe
App>Email>Phone
true
22:45-08:45
71
125
72
62
CreditBureau;OpenBanking
11
null
AutoTransfer
2025-05-24
Success
v2.9.4
NoAutoTradesBelow$1k;NoMargin;NoPennyStocks
Prioritize liquidity and down payment savings
A9926
Stabilizer
327,452
1,178,866
92,230
4.4
4
12
US
Low
null
NoTobacco
Crypto;LeveragedETFs;PennyStocks
1.2
14.8
8.8
Retirement:15y;Emergency:1y;Education:6y
15
Educational
Medium
Sharpe;TaxCost;MaxDD
App>Phone>In-Person>Chat>Email
true
23:30-06:45
66
142
67
62
OpenBanking;Payroll
9
Hybrid
PlanUpdate
2025-07-09
Failed
v2.10.2
LimitOrderOnly;NoPennyStocks
Keep expenses buffer ≥ 4 months
A9927
Stabilizer
132,952
844,495
30,613
5.9
3
15
CA
Medium
NoIlliquids;AccreditedOnly
ESGOnly
Crypto;LeveragedETFs;PennyStocks
1
13.7
6.2
Retirement:15y;Emergency:1y;Healthcare:8y
15
Concise
Medium
MaxDD;Sharpe
App>Phone>Chat>Email>In-Person
true
20:15-08:00
62
105
63
66
CreditBureau;OpenBanking
7
Human
PlanUpdate
2025-11-01
Success
v2.8.6
NoAutoTradesBelow$1k;PauseWhenVIX>30;StopLossDisabled
Keep expenses buffer ≥ 4 months
A9928
Builder
52,025
94,517
6,866
13
2
10
IN
Low
NoDerivatives;NoIlliquids
null
LeveragedETFs;PrivateCredit
1.5
16.4
10.8
Home:3y;Retirement:30y
3
Collaborative
Medium
MaxDD;TaxCost;IRR
Email>In-Person>Phone>App
true
21:30-07:15
68
126
72
67
CreditBureau;OpenBanking
6
null
AlertAcknowledge
2025-05-19
Success
v1.10.9
PauseWhenVIX>30;StopLossDisabled
Prioritize liquidity and down payment savings
A9929
Stabilizer
47,917
262,637
15,100
6.6
4
10
DE
Low
null
ESGOnly
Crypto;LeveragedETFs;PennyStocks
1.1
15.7
9
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Medium
Sharpe;TaxCost;MaxDD
Email>In-Person>Chat>App>Phone
false
20:45-06:15
55
137
43
42
OpenBanking;Payroll
11
Hybrid
AlertAcknowledge
2025-03-03
Success
v2.9.1
NoAutoTradesBelow$1k;NoMargin;PauseWhenVIX>30
Keep expenses buffer ≥ 4 months
A9930
Stabilizer
68,005
343,459
28,839
8.8
1
10
UK
Medium
NoShortSelling
NoWeapons;ESGOnly
Crypto;LeveragedETFs;PennyStocks
0.9
16.3
5.2
Retirement:15y;Emergency:1y;Education:6y
15
Directive
Medium
Sharpe;TaxCost;MaxDD
App>Email>In-Person>Phone>Chat
true
20:45-08:30
50
139
53
42
CreditBureau;OpenBanking;Payroll
16
null
Rebalance
2025-08-09
Success
v1.8.3
NoIlliquids;NoMargin;PauseWhenVIX>30
Keep expenses buffer ≥ 4 months
A9931
Optimizer
118,960
1,025,582
65,603
10.3
3
15
AU
Low
AccreditedOnly
NoTobacco;ESGOnly
PennyStocks
1.6
15.2
11.8
Wealth:10y;Estate:20y;Healthcare:8y
10
Collaborative
Shallow
Sharpe;IRR
In-Person>Phone>Chat>Email
false
23:15-07:45
74
66
76
67
Brokerage;OpenBanking
7
Human
AlertAcknowledge
2025-03-04
Partial
v2.10.4
NoMargin;PauseWhenVIX>30;StopLossDisabled
Enforce tax budget and position caps
A9932
Builder
96,288
122,885
6,448
12
3
10
US
Low
null
null
null
1.7
21
8.9
Home:3y;Retirement:30y
3
Educational
Deep
Sharpe;TaxCost
App>Email>Phone>Chat
true
20:00-08:00
61
69
46
36
CreditBureau;OpenBanking
11
null
AlertAcknowledge
2025-04-17
Success
v1.10.7
LimitOrderOnly;NoPennyStocks;StopLossDisabled
Prioritize liquidity and down payment savings
A9933
Explorer
47,618
266,454
11,511
20.3
2
10
AU
Medium
NoDerivatives
NoFossilFuel;NoTobacco
null
1.8
27.9
17.1
Business:5y;Travel:2y
5
Concise
Deep
Sharpe;IRR
Phone>Email>App>In-Person
true
20:00-06:15
65
66
53
49
OpenBanking
4
Hybrid
AlertAcknowledge
2025-01-15
Success
v1.10.8
NoAutoTradesBelow$1k
Allow small experimental sleeve ≤ 3%
A9934
Optimizer
83,208
909,709
49,834
7
3
10
US
Medium
null
null
PennyStocks
1.7
24.5
12
Wealth:10y;Estate:20y;Debt:2y
10
Directive
Deep
MaxDD;Sharpe;IRR
In-Person>Chat>App
true
19:00-07:30
58
70
64
59
Brokerage;OpenBanking;Payroll
2
Human
AutoTransfer
2025-03-02
Success
v1.10.9
NoAutoTradesBelow$1k;NoMargin;PauseWhenVIX>30
Enforce tax budget and position caps
A9935
Explorer
42,061
313,949
10,646
21.4
3
10
US
High
null
null
Crypto;PennyStocks
2
21.2
16.8
Business:5y;Travel:2y;Education:6y
5
Collaborative
Deep
TaxCost;IRR
App>In-Person>Phone>Chat>Email
false
21:00-08:30
42
74
47
44
OpenBanking
6
null
PlanUpdate
2025-10-27
Success
v1.8.2
NoIlliquids;PauseWhenVIX>30
Allow small experimental sleeve ≤ 3%
A9936
Builder
38,490
-36,460
2,862
8.7
2
10
US
Medium
AccreditedOnly;NoDerivatives
NoFossilFuel;NoTobacco
null
1.4
12.7
10
Home:3y;Retirement:30y
3
Directive
Medium
Sharpe;IRR;TaxCost
Phone>Chat>In-Person
true
21:45-06:00
63
82
71
63
OpenBanking
11
Human
AlertAcknowledge
2025-09-29
Partial
v1.10.7
LimitOrderOnly;NoIlliquids;NoPennyStocks
Prioritize liquidity and down payment savings
A9937
Preserver
115,671
2,161,835
85,754
4.9
4
12
US
Medium
NoIlliquids;AccreditedOnly
null
Crypto;LeveragedETFs;PennyStocks
1.1
13.6
5.4
Retirement:15y;Emergency:1y
15
Collaborative
Shallow
Sharpe;TaxCost;MaxDD
Chat>Phone>In-Person>App
true
20:45-07:30
59
156
64
56
Brokerage;CreditBureau;OpenBanking;Payroll
10
Hybrid
AutoTransfer
2025-07-16
Success
v1.8.7
NoIlliquids;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A9938
Optimizer
57,994
566,302
50,463
5.3
4
10
UK
High
null
NoTobacco;NoFossilFuel
PennyStocks
1.7
22.3
9.1
Wealth:10y;Estate:20y;Education:6y
10
Directive
Shallow
TaxCost;Sharpe
In-Person>Email>Phone>Chat>App
false
20:00-06:15
52
90
60
53
Brokerage;OpenBanking;Payroll
1
Hybrid
Rebalance
2025-10-03
Partial
v2.8.9
NoAutoTradesBelow$1k;NoIlliquids
Enforce tax budget and position caps
A9939
Preserver
94,564
584,474
49,789
6.4
1
10
DE
Low
AccreditedOnly
ESGOnly
Crypto;LeveragedETFs;PennyStocks
1.2
15.4
6.6
Retirement:15y;Emergency:1y;Education:6y
15
Concise
Medium
MaxDD;TaxCost;Sharpe
In-Person>App>Chat
false
19:15-08:30
70
202
58
58
Brokerage;OpenBanking;Payroll
3
Hybrid
AlertAcknowledge
2025-12-04
Success
v1.9.1
LimitOrderOnly;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A9940
Stabilizer
37,556
160,547
5,975
6
2
10
US
Low
AccreditedOnly;NoDerivatives
null
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1.1
13.5
5.4
Retirement:15y;Emergency:1y;Debt:2y
15
Collaborative
Deep
MaxDD;TaxCost;Sharpe
In-Person>Email>Chat>App
true
22:00-07:45
53
99
60
57
CreditBureau;OpenBanking
16
Hybrid
PlanUpdate
2025-09-16
Failed
v1.9.6
NoPennyStocks
Keep expenses buffer ≥ 4 months
A9941
Preserver
150,813
2,216,616
82,506
6.6
3
12
US
Low
NoShortSelling;NoIlliquids
null
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1.2
13.3
7.8
Retirement:15y;Emergency:1y
15
Collaborative
Medium
Sharpe;MaxDD;TaxCost
Phone>Chat>In-Person>Email
true
20:00-06:00
83
140
74
64
Brokerage;CreditBureau;OpenBanking
7
Hybrid
AlertAcknowledge
2025-07-14
Partial
v2.9.8
NoMargin;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A9942
Builder
23,422
112,515
4,525
12.9
1
10
US
Low
null
NoTobacco;ESGOnly
Crypto;PennyStocks
1.4
13.6
7.8
Home:3y;Retirement:30y;Healthcare:8y
3
Concise
Deep
TaxCost;MaxDD
Email>Chat>Phone
false
22:45-07:45
71
66
78
72
OpenBanking
9
null
AutoTransfer
2025-08-31
Success
v2.8.8
NoAutoTradesBelow$1k;NoPennyStocks;StopLossDisabled
Prioritize liquidity and down payment savings
A9943
Optimizer
111,892
1,916,708
61,497
9.6
1
12
US
Low
NoDerivatives;NoShortSelling
NoWeapons;NoFossilFuel
PennyStocks
1.7
24.8
10.8
Wealth:10y;Estate:20y;Debt:2y
10
Collaborative
Shallow
TaxCost;IRR
Chat>App>Phone>In-Person>Email
true
19:30-07:15
70
105
59
57
Brokerage;CreditBureau;OpenBanking
1
Hybrid
PlanUpdate
2025-04-10
Failed
v2.8.4
LimitOrderOnly;NoAutoTradesBelow$1k;NoPennyStocks
Enforce tax budget and position caps
A9944
Explorer
54,857
126,830
9,351
14
3
10
US
Low
null
NoTobacco
PennyStocks;PrivateCredit
1.7
27.9
16.4
Business:5y;Travel:2y;Education:6y
5
Collaborative
Medium
IRR;Sharpe;MaxDD
Email>Chat>In-Person>App
true
23:30-07:30
61
65
61
60
CreditBureau;OpenBanking
6
Human
AutoTransfer
2025-12-18
Success
v1.9.3
PauseWhenVIX>30
Allow small experimental sleeve ≤ 3%
A9945
Builder
41,954
-20,530
1,000
10.1
4
10
US
Low
NoDerivatives;NoIlliquids
null
PennyStocks
1.7
22.9
10.9
Home:3y;Retirement:30y;Education:6y
3
Collaborative
Medium
MaxDD;IRR
Phone>Email>App>Chat
true
21:45-07:45
64
88
74
66
OpenBanking;Payroll
9
null
PlanUpdate
2025-12-04
Failed
v2.10.8
NoPennyStocks
Prioritize liquidity and down payment savings
A9946
Builder
122,221
221,110
16,259
7.7
4
12
US
Low
AccreditedOnly;NoShortSelling
ESGOnly;NoWeapons
null
1.7
22.1
9.4
Home:3y;Retirement:30y;Debt:2y
3
Collaborative
Shallow
IRR;TaxCost
App>In-Person>Phone>Email>Chat
true
20:30-07:15
71
91
70
66
CreditBureau;OpenBanking
16
null
AutoTransfer
2025-12-22
Success
v1.8.4
NoIlliquids;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A9947
Optimizer
63,331
335,885
10,257
6.3
3
10
US
High
NoDerivatives
NoTobacco;ESGOnly
PennyStocks
1.8
20.7
9.2
Wealth:10y;Estate:20y
10
Educational
Deep
MaxDD;IRR;TaxCost
In-Person>Phone>Email>Chat>App
true
19:45-08:45
54
118
59
59
Brokerage;CreditBureau;OpenBanking;Payroll
2
Human
PlanUpdate
2025-03-12
Success
v1.10.2
NoAutoTradesBelow$1k;NoPennyStocks
Enforce tax budget and position caps
A9948
Preserver
101,877
619,365
27,815
3.6
4
15
IN
Low
AccreditedOnly;NoShortSelling
null
Crypto;LeveragedETFs;PennyStocks
1.2
17.6
5.3
Retirement:15y;Emergency:1y
15
Directive
Medium
MaxDD;Sharpe
Email>In-Person>App>Chat
true
23:00-07:00
80
144
73
75
Brokerage;CreditBureau;OpenBanking
11
Hybrid
PlanUpdate
2025-05-28
Success
v1.9.2
NoMargin
Maintain ≥ 12m cash runway and low drawdown
A9949
Stabilizer
57,985
186,958
11,511
7.6
4
10
US
Medium
null
NoFossilFuel;ESGOnly
Crypto;LeveragedETFs;PennyStocks
1
10.1
5.2
Retirement:15y;Emergency:1y;Debt:2y
15
Concise
Medium
Sharpe;MaxDD;TaxCost
In-Person>Chat>Phone>Email
false
23:30-07:15
54
125
51
41
CreditBureau;OpenBanking
19
Hybrid
Rebalance
2025-10-24
Success
v1.8.3
PauseWhenVIX>30
Keep expenses buffer ≥ 4 months
A9950
Builder
133,925
307,309
14,425
13.2
2
15
UK
Low
null
null
LeveragedETFs
1.6
19.5
7.9
Home:3y;Retirement:30y;Healthcare:8y
3
Concise
Shallow
IRR;MaxDD;TaxCost
In-Person>Phone>Email
false
23:00-08:45
65
128
54
51
CreditBureau;OpenBanking
5
null
AlertAcknowledge
2025-06-14
Success
v2.8.8
LimitOrderOnly;NoPennyStocks
Prioritize liquidity and down payment savings
A9951
Builder
53,747
159,068
7,063
10
1
10
US
Medium
NoIlliquids
null
null
1.6
12.1
7.8
Home:3y;Retirement:30y
3
Concise
Medium
Sharpe;IRR;MaxDD
Chat>Phone>In-Person
false
22:30-07:15
59
66
69
60
CreditBureau;OpenBanking;Payroll
17
Human
Rebalance
2025-07-02
Success
v1.9.5
PauseWhenVIX>30
Prioritize liquidity and down payment savings
A9952
Preserver
113,890
496,212
31,925
5.2
3
12
US
Low
null
NoWeapons;ESGOnly
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1.1
13
7.3
Retirement:15y;Emergency:1y;Education:6y
15
Collaborative
Medium
MaxDD;Sharpe;TaxCost
Chat>Email>App>In-Person>Phone
true
23:00-07:00
80
233
89
91
Brokerage;CreditBureau;OpenBanking;Payroll
5
Human
Rebalance
2025-02-18
Success
v1.8.2
NoIlliquids
Maintain ≥ 12m cash runway and low drawdown
A9953
Preserver
120,370
402,575
50,244
8.2
2
12
US
Medium
null
NoFossilFuel;NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.1
11
5.8
Retirement:15y;Emergency:1y;Education:6y
15
Collaborative
Medium
TaxCost;Sharpe
In-Person>App>Phone>Email
false
21:30-06:15
72
230
58
53
Brokerage;OpenBanking;Payroll
10
Human
Rebalance
2025-10-20
Partial
v1.9.2
NoAutoTradesBelow$1k;NoMargin;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A9954
Explorer
118,041
454,042
26,413
15.9
1
15
AU
Medium
NoShortSelling;NoDerivatives
NoFossilFuel
PennyStocks
2.1
32.7
14.1
Business:5y;Travel:2y
5
Concise
Medium
TaxCost;Sharpe
Email>In-Person>Phone>Chat
true
21:30-06:45
51
71
45
40
CreditBureau;OpenBanking
4
Hybrid
AlertAcknowledge
2025-01-25
Partial
v1.10.7
PauseWhenVIX>30;StopLossDisabled
Allow small experimental sleeve ≤ 3%
A9955
Explorer
48,387
211,289
9,482
14.7
3
10
US
Low
AccreditedOnly
NoFossilFuel;NoWeapons
null
1.9
23
12.4
Business:5y;Travel:2y;Debt:2y
5
Collaborative
Medium
TaxCost;Sharpe
In-Person>Phone>Chat>Email
true
21:15-07:30
66
61
78
77
CreditBureau;OpenBanking;Payroll
1
null
AlertAcknowledge
2025-12-26
Success
v1.8.5
StopLossDisabled
Allow small experimental sleeve ≤ 3%
A9956
Builder
64,241
154,546
15,244
7.5
4
10
DE
Low
NoDerivatives;NoIlliquids
null
null
1.5
21.7
9.7
Home:3y;Retirement:30y;Debt:2y
3
Educational
Shallow
Sharpe;MaxDD
App>Chat>In-Person
false
23:00-08:15
60
88
53
41
OpenBanking
10
null
PlanUpdate
2025-01-27
Success
v2.8.6
NoAutoTradesBelow$1k
Prioritize liquidity and down payment savings
A9957
Explorer
75,394
449,485
26,207
22.8
1
10
US
Medium
null
null
PennyStocks
1.9
33.9
14.1
Business:5y;Travel:2y
5
Directive
Medium
TaxCost;Sharpe;IRR
Chat>Email>Phone
true
19:00-06:30
50
50
61
60
OpenBanking;Payroll
1
null
PlanUpdate
2025-08-09
Partial
v2.8.8
NoPennyStocks;StopLossDisabled
Allow small experimental sleeve ≤ 3%
A9958
Preserver
72,826
347,359
28,928
7.5
2
10
US
Low
NoShortSelling
null
Crypto;LeveragedETFs;PennyStocks
1
10.6
7.9
Retirement:15y;Emergency:1y
15
Directive
Medium
MaxDD;Sharpe
App>Phone>Chat
false
22:30-07:15
81
152
88
83
Brokerage;CreditBureau;OpenBanking;Payroll
7
Hybrid
AlertAcknowledge
2025-02-24
Partial
v2.9.7
NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown
A9959
Explorer
126,355
455,130
25,352
13.2
4
15
IN
Medium
null
NoTobacco
Crypto;PennyStocks;PrivateCredit
1.9
24.2
17.4
Business:5y;Travel:2y;Healthcare:8y
5
Collaborative
Medium
Sharpe;TaxCost
Chat>Phone>In-Person>Email
true
21:15-06:15
62
57
69
58
CreditBureau;OpenBanking
1
null
AutoTransfer
2025-10-26
Success
v1.8.8
NoAutoTradesBelow$1k;NoMargin;PauseWhenVIX>30
Allow small experimental sleeve ≤ 3%
A9960
Preserver
86,312
858,471
33,271
7.7
2
10
US
Medium
NoShortSelling
null
Crypto;LeveragedETFs;PennyStocks
1.1
8.3
6.5
Retirement:15y;Emergency:1y
15
Collaborative
Medium
MaxDD;TaxCost;Sharpe
Chat>Phone>App>Email
false
21:45-07:00
63
233
48
46
Brokerage;CreditBureau;OpenBanking
8
Human
AutoTransfer
2025-12-13
Partial
v1.9.4
NoAutoTradesBelow$1k
Maintain ≥ 12m cash runway and low drawdown
A9961
Stabilizer
102,231
590,796
34,583
8.3
2
12
US
Low
NoDerivatives;NoIlliquids
null
Crypto;LeveragedETFs;PennyStocks
1.2
10.4
8.9
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Shallow
Sharpe;TaxCost;MaxDD
App>Phone>Chat
true
22:30-07:00
61
180
69
69
CreditBureau;OpenBanking
11
null
AutoTransfer
2025-05-23
Success
v1.10.8
NoMargin;PauseWhenVIX>30
Keep expenses buffer ≥ 4 months
A9962
Preserver
85,652
459,555
14,146
3.6
4
10
UK
Medium
null
null
Crypto;LeveragedETFs;PennyStocks
0.9
17.2
8.8
Retirement:15y;Emergency:1y
15
Concise
Shallow
MaxDD;TaxCost;Sharpe
Email>Phone>Chat>App>In-Person
true
19:15-06:45
79
213
71
77
Brokerage;CreditBureau;OpenBanking
13
Human
AutoTransfer
2025-07-14
Success
v1.9.9
NoIlliquids;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A9963
Builder
36,975
44,655
3,684
14.6
1
10
US
Low
NoIlliquids;NoShortSelling
NoWeapons
null
1.6
20
10
Home:3y;Retirement:30y;Education:6y
3
Collaborative
Medium
MaxDD;Sharpe;IRR
In-Person>App>Email>Chat
false
21:15-06:15
65
75
65
63
CreditBureau;OpenBanking
9
Hybrid
AutoTransfer
2025-02-18
Success
v1.10.1
StopLossDisabled
Prioritize liquidity and down payment savings
A9964
Explorer
63,207
182,556
9,407
15.9
3
10
US
Low
AccreditedOnly;NoDerivatives
null
Crypto;PennyStocks
2
27.1
16.7
Business:5y;Travel:2y;Debt:2y
5
Directive
Shallow
TaxCost;Sharpe
In-Person>Phone>Email>Chat
true
23:00-07:30
55
88
53
48
CreditBureau;OpenBanking
6
null
AlertAcknowledge
2025-08-12
Partial
v1.9.5
NoIlliquids;NoMargin;PauseWhenVIX>30
Allow small experimental sleeve ≤ 3%
A9965
Preserver
77,783
1,103,124
38,920
6.6
2
10
US
Medium
null
null
Crypto;LeveragedETFs;PennyStocks
1.1
12.7
8.4
Retirement:15y;Emergency:1y;Healthcare:8y
15
Concise
Medium
TaxCost;MaxDD
Phone>Email>In-Person>App>Chat
true
20:30-08:45
70
167
71
62
Brokerage;CreditBureau;OpenBanking
8
Hybrid
Rebalance
2025-02-07
Partial
v1.8.8
NoIlliquids;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A9966
Builder
69,757
149,455
9,997
12.4
1
10
US
Low
null
null
Crypto;LeveragedETFs
1.7
20.4
8.1
Home:3y;Retirement:30y
3
Educational
Medium
TaxCost;IRR
Email>Phone>Chat>In-Person
true
20:00-06:45
73
61
73
71
CreditBureau;OpenBanking;Payroll
11
Human
Rebalance
2025-02-07
Success
v1.9.3
NoPennyStocks
Prioritize liquidity and down payment savings
A9967
Explorer
62,842
238,843
28,728
16.3
4
10
AU
High
null
ESGOnly;NoWeapons
Crypto;PennyStocks
2
28.9
18
Business:5y;Travel:2y;Debt:2y
5
Concise
Medium
MaxDD;Sharpe
In-Person>App>Email>Chat>Phone
true
19:30-08:45
55
82
45
33
OpenBanking
1
Human
Rebalance
2025-10-31
Success
v2.9.7
NoMargin
Allow small experimental sleeve ≤ 3%
A9968
Optimizer
175,007
5,347,607
93,829
11
1
15
AU
Low
NoIlliquids;NoShortSelling
null
LeveragedETFs;PennyStocks
1.6
17.4
9.4
Wealth:10y;Estate:20y;Debt:2y
10
Directive
Medium
MaxDD;TaxCost
Chat>In-Person>Email
true
20:15-06:30
74
86
90
83
Brokerage;OpenBanking;Payroll
2
Hybrid
AutoTransfer
2025-08-11
Partial
v1.9.5
LimitOrderOnly
Enforce tax budget and position caps
A9969
Preserver
76,542
541,464
74,276
4.5
4
10
US
Medium
NoShortSelling
ESGOnly;NoTobacco
Crypto;LeveragedETFs;PennyStocks
1
10.1
8.4
Retirement:15y;Emergency:1y
15
Collaborative
Deep
MaxDD;TaxCost;Sharpe
App>In-Person>Chat>Phone>Email
true
22:30-07:00
61
240
65
56
Brokerage;OpenBanking
8
null
Rebalance
2025-01-10
Partial
v2.8.7
NoIlliquids;PauseWhenVIX>30
Maintain ≥ 12m cash runway and low drawdown
A9970
Builder
96,921
374,181
16,486
10.7
2
10
UK
Medium
AccreditedOnly
null
PrivateCredit
1.8
14.8
11.8
Home:3y;Retirement:30y
3
Concise
Shallow
Sharpe;MaxDD;IRR
Phone>In-Person>Chat
true
20:15-08:00
57
134
45
37
CreditBureau;OpenBanking;Payroll
16
Human
Rebalance
2025-08-24
Partial
v2.10.3
NoIlliquids;NoMargin;NoPennyStocks
Prioritize liquidity and down payment savings
A9971
Explorer
50,843
175,153
9,294
18
3
10
US
Medium
null
null
Crypto;PennyStocks;PrivateCredit
1.7
26.9
17.4
Business:5y;Travel:2y;Debt:2y
5
Directive
Medium
TaxCost;MaxDD
Phone>Email>Chat>App>In-Person
true
20:00-06:00
53
78
53
52
CreditBureau;OpenBanking;Payroll
6
null
Rebalance
2025-07-21
Success
v2.9.6
LimitOrderOnly;PauseWhenVIX>30;StopLossDisabled
Allow small experimental sleeve ≤ 3%
A9972
Builder
68,784
374,216
9,344
12.1
1
10
UK
Medium
NoShortSelling;NoIlliquids
null
null
1.4
21.9
8.3
Home:3y;Retirement:30y;Healthcare:8y
3
Educational
Medium
TaxCost;MaxDD
App>Phone>In-Person>Chat>Email
false
23:15-08:45
50
110
53
47
CreditBureau;OpenBanking
7
null
PlanUpdate
2025-06-10
Success
v1.8.1
NoAutoTradesBelow$1k
Prioritize liquidity and down payment savings
A9973
Stabilizer
70,088
482,221
40,646
5
3
10
IN
Medium
NoShortSelling;AccreditedOnly
null
Crypto;LeveragedETFs;PennyStocks
1
10.3
8.7
Retirement:15y;Emergency:1y;Debt:2y
15
Concise
Deep
TaxCost;Sharpe;MaxDD
App>In-Person>Chat
true
20:30-06:30
60
165
49
41
CreditBureau;OpenBanking;Payroll
14
Hybrid
AutoTransfer
2025-09-22
Success
v1.10.5
LimitOrderOnly
Keep expenses buffer ≥ 4 months
A9974
Optimizer
97,811
1,125,767
31,818
6.7
4
10
US
Low
null
NoFossilFuel;NoWeapons
PennyStocks;PrivateCredit
1.5
25
12
Wealth:10y;Estate:20y;Debt:2y
10
Educational
Deep
MaxDD;TaxCost;IRR
App>In-Person>Phone>Email
true
23:45-08:00
67
112
73
69
Brokerage;OpenBanking;Payroll
7
Human
PlanUpdate
2025-11-13
Success
v2.10.1
LimitOrderOnly;NoIlliquids;PauseWhenVIX>30
Enforce tax budget and position caps
A9975
Explorer
82,498
729,499
26,869
19.4
1
10
US
Low
null
NoWeapons;NoFossilFuel
PennyStocks;PrivateCredit
1.7
29.6
13.6
Business:5y;Travel:2y;Healthcare:8y
5
Collaborative
Deep
Sharpe;TaxCost;IRR
Email>Chat>In-Person>Phone>App
true
21:30-07:45
61
80
59
53
CreditBureau;OpenBanking
2
null
AlertAcknowledge
2025-09-04
Success
v2.9.8
LimitOrderOnly;PauseWhenVIX>30
Allow small experimental sleeve ≤ 3%
A9976
Builder
90,811
254,910
15,590
15.3
1
10
US
Medium
null
ESGOnly;NoWeapons
Crypto
1.4
12.1
7.4
Home:3y;Retirement:30y;Healthcare:8y
3
Educational
Deep
Sharpe;MaxDD;TaxCost
Chat>App>Email
true
21:45-06:45
67
74
63
58
OpenBanking;Payroll
19
Human
Rebalance
2025-12-19
Success
v2.10.2
NoIlliquids;NoPennyStocks;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A9977
Builder
124,096
485,260
22,889
7.3
4
15
UK
Low
NoDerivatives
NoFossilFuel;ESGOnly
Crypto;PrivateCredit
1.6
17.9
10.7
Home:3y;Retirement:30y;Healthcare:8y
3
Concise
Medium
IRR;MaxDD;Sharpe
Phone>In-Person>Email
true
23:15-07:15
61
104
65
54
CreditBureau;OpenBanking;Payroll
5
null
AlertAcknowledge
2025-03-07
Partial
v2.10.7
LimitOrderOnly;NoAutoTradesBelow$1k
Prioritize liquidity and down payment savings
A9978
Builder
34,935
94,487
3,056
11.8
2
10
CA
Medium
null
NoTobacco
null
1.7
21.3
10.1
Home:3y;Retirement:30y;Healthcare:8y
3
Collaborative
Deep
MaxDD;TaxCost
Email>In-Person>Chat>Phone>App
true
23:00-07:15
55
104
49
38
CreditBureau;OpenBanking
13
Human
AutoTransfer
2025-07-28
Partial
v1.8.5
NoAutoTradesBelow$1k;NoMargin;StopLossDisabled
Prioritize liquidity and down payment savings
A9979
Optimizer
495,389
5,518,638
229,265
8.3
2
12
US
Low
NoIlliquids;NoDerivatives
null
PennyStocks;PrivateCredit
1.9
20.3
9.3
Wealth:10y;Estate:20y
10
Directive
Shallow
Sharpe;TaxCost;MaxDD
Email>In-Person>Chat
true
20:15-08:00
70
76
71
64
Brokerage;CreditBureau;OpenBanking
2
Hybrid
Rebalance
2025-04-16
Success
v1.9.6
LimitOrderOnly;StopLossDisabled
Enforce tax budget and position caps
A9980
Builder
94,564
169,139
22,133
9.1
3
10
US
Low
NoIlliquids;AccreditedOnly
NoTobacco
null
1.7
21.7
9.2
Home:3y;Retirement:30y;Debt:2y
3
Educational
Medium
TaxCost;MaxDD
Email>Phone>In-Person
true
21:45-06:15
69
62
75
64
OpenBanking
12
Hybrid
PlanUpdate
2025-05-24
Failed
v2.10.1
NoIlliquids;NoPennyStocks
Prioritize liquidity and down payment savings
A9981
Builder
75,513
186,636
10,440
12.7
1
10
UK
Low
null
null
Crypto;PrivateCredit
1.5
22.9
10.1
Home:3y;Retirement:30y
3
Educational
Medium
MaxDD;TaxCost
In-Person>Chat>App
true
20:00-08:30
60
101
62
52
CreditBureau;OpenBanking
17
Human
PlanUpdate
2025-03-31
Failed
v2.10.6
NoPennyStocks
Prioritize liquidity and down payment savings
A9982
Optimizer
167,067
1,356,925
80,395
9.8
2
12
US
Medium
null
NoFossilFuel
PennyStocks
1.9
19.1
13.7
Wealth:10y;Estate:20y;Education:6y
10
Concise
Shallow
IRR;Sharpe;TaxCost
Chat>In-Person>App>Email
true
19:45-08:45
55
112
59
55
Brokerage;OpenBanking
6
Hybrid
AlertAcknowledge
2025-07-06
Success
v1.9.8
LimitOrderOnly;NoAutoTradesBelow$1k;NoPennyStocks
Enforce tax budget and position caps
A9983
Preserver
123,888
827,903
48,421
9
1
12
US
Low
NoShortSelling
ESGOnly
Crypto;LeveragedETFs;PennyStocks
1.1
13.5
5.7
Retirement:15y;Emergency:1y
15
Educational
Shallow
Sharpe;TaxCost;MaxDD
Chat>In-Person>App
true
23:45-08:45
69
137
76
72
Brokerage;OpenBanking;Payroll
4
Hybrid
Rebalance
2025-03-24
Success
v1.9.1
NoIlliquids;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A9984
Preserver
178,360
1,439,861
125,199
4.6
3
12
US
Low
AccreditedOnly
NoWeapons
Crypto;LeveragedETFs;PennyStocks
1.1
10.6
6.7
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Shallow
MaxDD;Sharpe;TaxCost
App>Phone>In-Person
true
21:45-07:15
81
131
72
64
Brokerage;OpenBanking;Payroll
5
Human
Rebalance
2025-06-15
Success
v1.9.9
NoAutoTradesBelow$1k;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A9985
Builder
55,269
106,943
6,284
7.8
3
10
US
Low
AccreditedOnly;NoDerivatives
ESGOnly;NoTobacco
null
1.7
23.9
9.3
Home:3y;Retirement:30y;Education:6y
3
Collaborative
Deep
TaxCost;MaxDD
Phone>Email>App
true
21:00-07:45
60
96
62
52
CreditBureau;OpenBanking
19
null
AlertAcknowledge
2025-09-16
Partial
v2.8.7
NoIlliquids
Prioritize liquidity and down payment savings
A9986
Builder
31,244
125,984
5,096
12.7
3
10
SG
Medium
null
NoWeapons
Crypto;PennyStocks
1.8
17.1
9
Home:3y;Retirement:30y;Education:6y
3
Directive
Shallow
MaxDD;IRR
Email>Chat>App>Phone
true
19:15-08:30
55
117
46
40
CreditBureau;OpenBanking
12
Hybrid
Rebalance
2025-03-17
Success
v1.8.6
NoAutoTradesBelow$1k;NoIlliquids;NoPennyStocks
Prioritize liquidity and down payment savings
A9987
Explorer
36,031
214,072
12,037
17
3
10
US
Medium
null
NoFossilFuel;NoWeapons
PennyStocks
1.9
28.9
16.8
Business:5y;Travel:2y;Education:6y
5
Educational
Deep
Sharpe;MaxDD;TaxCost
In-Person>Chat>Email>Phone
true
19:15-08:15
58
80
71
66
OpenBanking
5
null
PlanUpdate
2025-10-19
Success
v1.10.9
NoMargin
Allow small experimental sleeve ≤ 3%
A9988
Builder
62,901
175,403
10,118
9
3
10
US
Medium
NoIlliquids
null
null
1.5
18.8
9.4
Home:3y;Retirement:30y;Debt:2y
3
Collaborative
Medium
IRR;MaxDD;TaxCost
Email>Phone>App>In-Person
true
23:30-08:30
64
117
72
62
OpenBanking;Payroll
14
Hybrid
Rebalance
2025-07-21
Partial
v1.8.4
StopLossDisabled
Prioritize liquidity and down payment savings
A9989
Optimizer
157,872
794,685
108,754
11.1
3
15
CA
Medium
NoIlliquids;AccreditedOnly
null
Crypto;PennyStocks;PrivateCredit
1.7
20.1
10
Wealth:10y;Estate:20y;Debt:2y
10
Concise
Medium
IRR;MaxDD
In-Person>App>Chat>Phone>Email
true
19:15-06:45
67
106
73
73
Brokerage;CreditBureau;OpenBanking
4
null
PlanUpdate
2025-09-02
Success
v1.10.5
NoAutoTradesBelow$1k;NoMargin;StopLossDisabled
Enforce tax budget and position caps
A9990
Builder
51,949
103,554
7,604
8.2
4
10
US
Low
AccreditedOnly
null
LeveragedETFs
1.8
16
9.9
Home:3y;Retirement:30y
3
Educational
Shallow
MaxDD;IRR
App>In-Person>Email>Chat
false
23:45-06:00
57
88
55
43
CreditBureau;OpenBanking
8
null
PlanUpdate
2025-11-30
Success
v1.8.2
StopLossDisabled
Prioritize liquidity and down payment savings
A9991
Builder
41,054
53,610
3,751
14.7
1
10
US
Medium
null
NoFossilFuel
PennyStocks
1.7
16.9
9.2
Home:3y;Retirement:30y;Debt:2y
3
Educational
Medium
TaxCost;IRR;MaxDD
Phone>Chat>Email
true
22:15-06:00
64
86
70
68
CreditBureau;OpenBanking
14
null
Rebalance
2025-06-15
Success
v2.8.8
LimitOrderOnly;NoAutoTradesBelow$1k;PauseWhenVIX>30
Prioritize liquidity and down payment savings
A9992
Preserver
59,039
197,999
14,234
3.8
4
10
US
Low
NoDerivatives
null
Crypto;LeveragedETFs;PennyStocks
1.1
17.4
7.5
Retirement:15y;Emergency:1y;Education:6y
15
Concise
Shallow
Sharpe;TaxCost;MaxDD
App>Email>Chat>Phone>In-Person
true
19:30-08:15
70
225
58
50
Brokerage;CreditBureau;OpenBanking
9
Hybrid
AlertAcknowledge
2025-01-08
Success
v2.9.7
NoMargin;NoPennyStocks;PauseWhenVIX>30;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A9993
Preserver
151,524
678,213
36,416
4.3
4
12
US
Low
null
NoWeapons;NoTobacco
Crypto;LeveragedETFs;PennyStocks
1.2
16.7
5.1
Retirement:15y;Emergency:1y;Education:6y
15
Concise
Medium
MaxDD;Sharpe;TaxCost
In-Person>Email>App
true
20:15-08:30
71
200
59
64
Brokerage;CreditBureau;OpenBanking
12
Hybrid
AlertAcknowledge
2025-12-24
Partial
v2.8.5
LimitOrderOnly;NoIlliquids;NoMargin
Maintain ≥ 12m cash runway and low drawdown
A9994
Explorer
156,360
1,828,451
38,889
20.1
3
12
US
Low
NoDerivatives;NoIlliquids
NoWeapons;NoTobacco
null
2.1
28.6
16.2
Business:5y;Travel:2y
5
Directive
Shallow
IRR;Sharpe;TaxCost
Chat>Phone>App>In-Person>Email
true
22:45-07:30
63
76
69
58
OpenBanking;Payroll
5
null
Rebalance
2025-12-21
Partial
v1.9.5
LimitOrderOnly;NoAutoTradesBelow$1k;PauseWhenVIX>30
Allow small experimental sleeve ≤ 3%
A9995
Optimizer
166,805
900,112
116,442
9.7
2
15
UK
Low
NoIlliquids;NoDerivatives
ESGOnly;NoTobacco
Crypto;PennyStocks
1.5
18.3
13.6
Wealth:10y;Estate:20y
10
Directive
Shallow
Sharpe;IRR
Email>In-Person>App>Phone
true
22:45-08:00
69
74
66
63
Brokerage;CreditBureau;OpenBanking;Payroll
6
null
AutoTransfer
2025-02-10
Success
v2.10.9
NoMargin;PauseWhenVIX>30
Enforce tax budget and position caps
A9996
Preserver
77,717
692,954
23,342
6.8
3
10
US
Medium
null
ESGOnly
Crypto;LeveragedETFs;PennyStocks
1
9.7
8.3
Retirement:15y;Emergency:1y;Debt:2y
15
Collaborative
Deep
MaxDD;Sharpe
Chat>App>Email
true
21:30-07:15
71
202
57
50
Brokerage;CreditBureau;OpenBanking;Payroll
4
null
AlertAcknowledge
2025-10-22
Partial
v1.9.9
NoMargin;PauseWhenVIX>30;StopLossDisabled
Maintain ≥ 12m cash runway and low drawdown
A9997
Stabilizer
40,654
196,617
13,390
9.2
2
10
US
Low
null
NoFossilFuel;ESGOnly
Crypto;LeveragedETFs;PennyStocks
1.2
11.4
6.9
Retirement:15y;Emergency:1y;Education:6y
15
Concise
Shallow
TaxCost;Sharpe
App>Email>In-Person>Phone>Chat
false
22:15-07:45
61
149
57
50
OpenBanking
10
null
Rebalance
2025-04-16
Failed
v2.10.7
NoMargin
Keep expenses buffer ≥ 4 months
A9998
Stabilizer
59,972
257,693
25,181
7.4
1
10
US
Low
NoShortSelling
NoTobacco
Crypto;LeveragedETFs;PennyStocks
0.9
17.3
8.1
Retirement:15y;Emergency:1y;Education:6y
15
Directive
Deep
TaxCost;MaxDD;Sharpe
Phone>Email>In-Person
true
20:45-06:30
64
93
60
63
OpenBanking
9
Hybrid
PlanUpdate
2025-10-07
Success
v2.10.1
LimitOrderOnly;NoAutoTradesBelow$1k;PauseWhenVIX>30
Keep expenses buffer ≥ 4 months
A9999
Explorer
85,981
497,922
40,581
14.4
3
10
US
Medium
null
ESGOnly;NoTobacco
PennyStocks
2.2
30
17.5
Business:5y;Travel:2y;Debt:2y
5
Educational
Medium
Sharpe;IRR
In-Person>Phone>App
true
19:45-06:15
62
45
76
71
CreditBureau;OpenBanking
2
null
AutoTransfer
2025-04-19
Partial
v1.8.9
NoPennyStocks
Allow small experimental sleeve ≤ 3%
A10000
Preserver
145,545
470,776
29,982
4.1
4
15
DE
High
null
NoFossilFuel
Crypto;LeveragedETFs;PennyStocks;PrivateCredit
1.2
12.6
6.7
Retirement:15y;Emergency:1y;Debt:2y
15
Educational
Medium
Sharpe;MaxDD;TaxCost
Email>App>Phone>In-Person>Chat
true
23:15-06:15
63
235
49
45
Brokerage;OpenBanking
12
null
PlanUpdate
2025-06-19
Success
v1.9.3
NoMargin;NoPennyStocks
Maintain ≥ 12m cash runway and low drawdown