Wealth management, run by AI. Every move signed by an advisor.
Every morning, Tranche’s AI reads every account you own against your plan. It drafts rebalances, tax-loss harvests, idle-cash moves and retirement checks. A certified advisor signs each move before anything trades.
Illustrative household · as of Oct 20, 2026, 07:58 ET · Not investment advice.
(01) The queue
Four kinds of move. Each one waits for a signature.
The AI only drafts. Every move lands in your advisor’s queue with the numbers, the reason and the rule it follows. Nothing trades until a certified advisor signs it.
Dana’s queue · 07:58 ET
Rebalance
401(k)
$189,100
Awaiting
Tax-loss harvest
Brokerage
−$4,182.40
Awaiting
Idle cash
Cash
$62,300
Awaiting
Plan check
401(k) → Roth IRA
$21,000
Awaiting
AI · Rebalance
401(k)
US equity 64.1% → 60.0%, back inside its 55–62% band. Sell $189,100 of the US total-market fund inside your 401(k) and buy the international fund. No tax due.
Band 55–62% · now 64.1%
Clause 2.2 of your policy
Est. cost $11.20 · tax due $0, sold inside the 401(k)
Awaiting · Dana Okafor, CFP®
Sign
Demo · the Sign button only changes this card.
(02) A morning
06:42 to 09:31. One morning, start to finish.
06:42 · Scan
The AI reads every holding.
1,906 holdings across seven accounts, read against your policy: the bands, the cash floor, your tax bracket, the size of every position.
06:47 · Draft
Four moves are drafted.
Each one is tied to a clause of your policy and priced: what to sell, what to buy, what it costs and what it saves. Nothing is sent.
06:51 · Checks
Seven checks run on every draft.
Wash sales across all accounts, band limits, the liquidity floor, the tax bracket, the single-position cap, the trading window, cost against benefit.
07:58 · Signature
Your advisor signs.
Dana Okafor, CFP®, reads the four drafts and signs them. She can edit, defer or decline any of them, and the reason is written down.
09:31 · Trade
Orders go out at the open.
Signed moves go to your custodian when the market opens. The journal records what moved, why, and who signed.
(03) The band
Your plan sets a band. The AI only moves when you leave it.
Each asset class has a target and a tolerance. Inside the band, the AI does nothing. Outside it, the AI drafts a rebalance.
Market:
Today
US stocks −12%
US stocks +8%
US equity
Target 58% · band 55–62%
64.1%
International
Target 22% · band 19–25%
19.6%
Bonds
Target 15% · band 12–18%
12.6%
Cash
Target 5% · band 3–8%
3.7%
Rebalance drafted · sell $189,100 in the 401(k) · US equity back to 60.0%
(04) The lots
Losses are found lot by lot. Not as a yearly total.
The AI reads every tax lot in your taxable accounts. It sells the ones down enough to matter, buys a similar fund, and checks that nothing in the household breaks the 30-day wash-sale rule.
(Harvested this morning)
−$4,182.40
(Wash-sale check)
Clear · no buys of this fund in 30 days, in any account
(Swap)
Into a similar fund, not an identical one, so the loss counts
(05) The policy
Your plan is a signed document. Every clause is a rule the AI follows.
You and your advisor write it once, in plain English. The AI reads it every morning, and cites the clause behind every move.
Investment Policy Statement · the Avery household · v3 · signed Sep 2, 2026
Six clauses the AI reads every morning
1.1
Retirement
Retire at 61 with $182,000 a year of spending, in today's dollars.
Checked · on track at 61
2.2
Bands
US equity 58%, international 22%, bonds 15%, cash 5%, each within its band.
Triggered today · Rebalance
2.4
Limits
No single position above 8% of net worth.
Checked · 0 breaches
3.1
Harvesting
Harvest losses of $500 or more per lot. Never trigger a wash sale across household accounts.
Triggered today · Harvest
4.1
Floor
Keep 18 months of essential spending, $83,400 a year, in cash: $125,100.
Triggered today · Idle cash
5.1
Signature
Every move is signed by a certified advisor, named in your journal. Moves above $250,000 also need the household's OK.
Signed · D.O. · 07:58
(06) Signatures
Six advisors sign every move. You’ll always know which one.
Certified people with a name, a book of households and a signature on every trade. The AI never signs for them.
(07) The journal
Every move is written down. Including the ones we didn’t make.
The journal keeps each move, its reason, its checks and its signature. Declined and deferred moves stay in it too.
09:31 · Rebalance · 401(k) · signed D.O.
09:34 · Harvest · −$4,182.40 · signed D.O.
09:36 · Idle cash · $62,300 to T-bills · signed D.O.
07:12 · Rebalance · declined T.L.
08:05 · Roth conversion · deferred D.O.
09:36 · Trim to 8% · signed S.O.
1,284 moves signed in 2026
0 moves without a signature
Next pass · 06:42 ET
Median draft to signature · 46 min
9% of drafts declined, each with a reason
Wash-sale checks · every account, every morning
(08) Fees
Priced in basis points. Capped at $12,400 a year.
You pay on what we manage, in tiers that get cheaper as you grow, and never more than the cap. Trading, harvesting and planning are included.
Household:
$750,000
$2,500,000
$4,861,240
$10,000,000
First $2M at 35 bps
$7,000.00
$2M to $5M at 25 bps
$7,153.10
Above $5M at 12 bps
—
Annual cap
−$1,753.10
Your fee this year
Effective rate 0.26%
Cap reached
$12,400.00
Fund costs (average 0.07%) are paid to the fund managers, not to us. Trading, harvesting, planning and incoming transfers: $0.
(09) Custody
Your money stays in your name. We can trade it. We can’t take it.
Accounts are held at an independent qualified custodian. Tranche has trading authority only: no withdrawals, no transfers out, no address changes.
Qualified custodian · SIPC member
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Qualified custodian · SIPC member
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Qualified custodian · SIPC member
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Qualified custodian · SIPC member
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Custodian logos are examples. Replace them with the custodians you work with.
AI morning pass
0
/
1,906
holdings read · 06:42 ET
Tranche®