(01) How it works
One pass every morning.
Nothing trades without a signature.
Before the market opens, the AI reads every holding against your plan and drafts what should move. A certified advisor signs each draft. Only then does anything trade.
06:42 ET · every market day
(02) The five steps
06:42 to 09:31. Who does what, minute by minute.
The same five steps run every market day, for every household. The AI does the reading and the drafting. A person decides.
06:42
Scan
The AI
Reads 1,906 holdings across seven accounts against your policy.
Your advisor
Nothing yet.
You see
Nothing. You’re asleep.
06:47
Draft
The AI
Drafts four moves, each tied to a clause and priced.
Your advisor
Sees four drafts in the queue.
You see
Nothing is sent.
06:51
Checks
The AI
Runs seven checks on every draft. A failed check kills the draft.
Your advisor
Sees which checks passed.
You see
Nothing yet.
07:58
Signature
The AI
Waits.
Your advisor
Signs, edits, defers or declines each draft, with a reason.
You see
A note in the app: four moves signed.
09:31
Trade
The AI
Sends signed orders to your custodian at the open.
Your advisor
Gets the confirmations.
You see
The journal entry, with every reason and signature.
(03) Who may do what
The AI drafts. People decide. Some moves only you can make.
Every kind of move has an owner. The AI never signs, and nobody at Tranche can take money out of your accounts.
AI drafts
Advisor signs
You approve
Never
✓
✓
Above $250k
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✓
✓
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✓
✓
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✓
✓
✓
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Only you
✓
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Only you
✓
(04) The seven checks
Seven checks on every draft. One failure and the draft is gone.
The checks run before your advisor sees anything. A draft that fails one never reaches the queue, and the reason is written to the journal.
✓
Wash-sale window
No buy of the same or a substantially identical fund in any household account within 30 days.
✓
Band limits
Each class lands back inside its band after the trade, never past its target.
✓
Liquidity floor
Cash stays above 18 months of essential spending: $125,100.
✓
Tax bracket
No trade pushes this year’s income into the next bracket without a note to your advisor.
✓
Position cap
No single position above 8% of net worth after the trade.
✓
Trading window
Orders are placed after the open and before 15:30 ET.
✓
Cost vs benefit
The expected saving is at least three times the cost of the trade.
(05) A quiet morning
Most mornings, nothing moves. That’s the plan working.
(Mornings with no move in 2026)
141
of 201
(The Avery household) · Wednesday 14 Oct
06:42 · AI morning pass · 0 / 1,906
Brokerage
401(k)
Roth IRA
Trust
Cash
(06) When the advisor says no
Declined moves stay on the record. With the reason.
About one draft in eleven is declined. Each one is kept in the journal, so you can see what the AI wanted and why a person said no.