(02) Your plan
Your plan is a document.
The AI reads it every morning.
One investment policy statement, written with your advisor in plain English. Every move the AI drafts cites the clause behind it.
The Avery household · v3 · signed Sep 2, 2026
(01) The policy, clause by clause
Thirteen clauses. Every move cites one.
The AI’s notes appear in the margin as you read: which clause fired this month, and what it did.
1. Objectives
1.1
Retirement
Retire at 61 with $182,000 a year of spending, in today's dollars.
Checked · on track at 61
1.2
Legacy
Leave the Brooklyn house and $1.5M to the children, in today's dollars.
Checked · 0.4M above target
2. Allocation
2.1
Targets
US equity 58%, international 22%, bonds 15%, cash 5%.
2.2
Bands
Each class may drift 3 points either way before the AI drafts a rebalance.
Triggered Oct 20 · Rebalance
2.3
Glidepath
Stocks fall to 55% at 61, then about one point a year.
2.4
Limits
No single position above 8% of net worth.
3. Taxes
3.1
Harvesting
Harvest losses of $500 or more per lot. Never trigger a wash sale across household accounts.
Triggered Oct 15 · Harvest
3.2
Conversions
Fill the 22% bracket with Roth conversions in low-income years.
Deferred · Nov 16
4. Liquidity
4.1
Floor
Keep 18 months of essential spending, $83,400 a year, in cash: $125,100.
Triggered Oct 20 · Idle cash
4.2
Ladder
A bond rung matures each year for the first five years of retirement.
5. Approval
5.1
Signature
Every move is signed by a certified advisor, named in your journal.
Signed 1,284 times in 2026
5.2
Large moves
Moves above $250,000 also need the household's OK.
5.3
Review
The policy is reviewed every January, or within a week of a life event.
Jordan & Maya Avery
The household · Sep 2, 2026
Dana Okafor
Advisor, CFP® · Sep 2, 2026
(02) Glidepath
The mix changes as you get closer. Slowly, and on paper first.
Your policy sets how much is in stocks at each age. Pick an age to see the mix the AI will hold.
Age:
45
55
61
70
78%
74%
70%
66%
61%
55%
50%
46%
43%
41%
40%
40
45
50
55
60
65
70
75
80
85
90
55% stocks · 40% bonds · 5% cash
Retirement. Eighteen months of spending sit in cash and short bonds.
(03) Asset location
The same holdings, in the accounts that tax them least.
Where a holding sits matters as much as what it is. The AI keeps income-heavy holdings in tax-deferred accounts and growth in the Roth.
Before
After
Taxable · Brokerage
Bonds
REITs
US stocks
Tax-deferred · 401(k)
US small-cap
Cash
Tax-free · Roth IRA
International
Bonds
Each holding sits where it happened to be bought. Bonds pay interest in the taxable account every year.
(04) The quarterly statement
Q3 2026, annotated. Every number has a reason next to it.
Your custodian sends the official statement. Ours explains it: what moved, why, and what it cost.
Value on 30 Jun
$4,688,410
Contributions
+$36,000
Market change
+$103,914
Moves signed
4 rebalances, 3 harvests, 3 cash sweeps, 1 plan check
11
Losses harvested
Offsets the $7,900 gain from the June trim
−$9,606.20
Fees paid
One quarter of the $12,400 cap
−$3,100
Value on 30 Sep
$4,825,224
(05) Getting started
Seven days from sign-up to your first morning pass.
Day 1
Connect your accounts
Read-only links to each custodian and 401(k). Nothing can move yet.
Day 2
A 45-minute call
Your advisor asks about the life the money is for: dates, people, worries.
Day 5
Your policy, drafted
Thirteen clauses in plain English, with the numbers filled in.
Day 7
Sign it
You and your advisor sign. The first morning pass runs that night.
Notes from households. Initials only.
I used to find out what my advisor had done at the end of the quarter. Now I read the reason the same morning, and twice I've said no. Both times the move was dropped and written down.
R. & J. M.
Evanston, IL
Client since 2023
Our accounts were spread across four firms. The first pass found a 401(k) we had forgotten and $41,000 sitting in a checking account doing nothing.
A. K.
Denver, CO
Client since 2024
The fee is a number on a page with a cap, not a percentage that grows with the market. That was the whole conversation for us.
S. & T. O.
Brooklyn, NY
Client since 2025
Clients of a fictional firm, unpaid. Their experience may not be typical, and it is no guarantee of future results.