Ask about your plan
in real terms.
A persistent chat panel beside every page. The entire wealth model loaded into every message — accounts, properties, entities, equity grants, debts, scenarios, family. Web-grounded answers with cited sources. Conversations persist locally.
Not a search bar.
A second opinion.
Yes — your FL operating LLC qualifies. Under IRC §280A(g), you can rent your personal residence to your business for up to 14 days per year and exclude all rental income from taxable income.
Required: legitimate business purpose, three fair-market quotes, documented meeting agendas, and a 1099-MISC issued by the LLC. At $1,000/day fair-market rate, that's up to $14,000 tax-free with a corresponding deduction at the LLC level.
Running the trade-off against your spend ceiling and goal funding…
Yes — adding $650/month per child ($1,300/month total) toward 529s closes both gaps by age 18 without delaying your retirement date. The new spend ceiling drops by $2,400/yr in real terms, which your projected income covers with $5,900/yr of buffer remaining.
Built for planning
conversations.
- Web-grounded.
- Powered by Claude Sonnet 4.6 via OpenRouter with the web plugin enabled. Up to twenty sources per query. Every answer includes inline citations with link-safety gating — the model cannot hallucinate a URL into existence.
- Persistent history.
- Every conversation is saved locally to your browser. Switch between threads via the chat header dropdown. Each conversation keeps its full message log — questions, search activity, answers, citations — for as long as you want it.
- Full wealth-model context.
- Every message you send loads the entire model into the request — members, accounts, holdings, properties, business entities with valuations, equity grants and vesting, debts, goals, insurance policies, estate documents, family, plan scenarios, and snapshots. The assistant works against your actual data, not vague rules of thumb.
- Discovery mode.
- Surface tax plays beyond the curated eleven — searches the IRC, recent legislation, state opportunities, and industry-specific tactics scoped to your data. Returns structured eligibility, estimated benefit, and prerequisites with citations.
What you'd
actually ask.
The assistant works best on the questions a desk would answer for you — entity structure, tax strategy eligibility, portfolio specifics, income calendar gaps, holding safety.
“Does my FL operating LLC qualify for the Augusta Rule?”
Verifies eligibility against your entity setup, residence, and use pattern. Returns the IRC reference plus a documentation checklist — fair-market quotes, agendas, 1099 requirements.
“Should I form a WY holding LLC to own my Florida rental properties?”
Compares charging-order rules, disclosure, anonymity layering, and cost across candidate states. Outputs trade-offs and a recommended structure.
“Why is my dividend yield 3.4% but my plan assumes 4.1%?”
Loads your holdings, runs the dividend math, and shows which positions are dragging the yield down — with replacement suggestions inside your IPS bands.
“Which months will I be short on dividend income next year?”
Pulls your monthly income ladder, identifies gap months, suggests filler tickers and monthly-pay alternatives.
“Is MO a safe dividend payer for the next five years?”
Runs the 12-dimension safety screen and 10-signal trap detection on the live ticker. Returns Buy / Hold / Trim / Sell with cut probability and the reasoning.
“Can I fully fund 529s for both kids without delaying retirement?”
Loads goals and plan, runs the cash-flow simulation, shows the monthly contribution trade-off against the spend ceiling.
Per-request context.
Then it is gone.
When you send a message, your relevant household context is sent to Anthropic via OpenRouter for that single request only. Anthropic does not train on OpenRouter API traffic and does not retain the request beyond their inference window. Conversations are stored against your household so you can resume them later.
Read the full privacy policyOpen a chat
with your full plan loaded.
The assistant becomes available as soon as you complete onboarding.