01
LIVE ENGINETax-loss harvesting
Tax
Find harvest opportunities, block wash-sale risk across taxable and held-away accounts, and stage compliant replacements.
Evidence, checks, human gate, audit.
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advicenxt FiduciaryOS
Audit-ready evidence. Delivered.
advicenxt runs high-stakes advisory workflows — tax-loss harvesting, concentrated stock unwind, Roth conversion, trust distribution, and compliance review — then delivers audit-ready fiduciary case files.
Controlled recommendation path
AuditableAdvisor starts workflow
Facts and policy are captured
Human approval stays explicit
A case file is committed
Output
Stage-only output. No autonomous trades.
The fiduciary problem
The SEC's 2025–2026 examination priorities explicitly target firms using AI for investment recommendations. Firms that deploy AI-assisted advice without provable supervision face regulatory action.
COO / Firm leader: Replace fiduciary operations labor
CCO / Compliance: Prove every AI recommendation was supervised
Advisor / PM: Case files in 2 minutes, not 30
$6M+
per year
Estimated fiduciary operations cost at a 3,000-advisor firm.
40+
analysts
Typical compliance headcount reviewing AI-assisted recommendations.
2026
SEC priority
AI-assisted advice is a named examination target.
Same request, different proof
TLH REVIEWHarvest the AAPL loss to offset gains this quarter.
AAPL is blocked. A compliant substitute is staged for advisor review.
The difference is not smarter prose. It is evidence before action.
From advisor intent to audit-ready evidence
A complete walkthrough of how a fiduciary case file is built — from advisor intent through deterministic checks, masked AI review, human approval, and audit commitment.
Example case file
Human intent starts the workflow.
Evidence captured
MORRISON-TLH-017
Household
Morrison Family
Intent
Evaluate compliant harvest options
Workflow catalog
Tax-loss harvesting is the first proof point, not the product boundary. Each workflow produces the same evidence spine: facts, checks, masked AI review, human gate, audit trail.
01
LIVE ENGINETax
Find harvest opportunities, block wash-sale risk across taxable and held-away accounts, and stage compliant replacements.
Evidence, checks, human gate, audit.
02
DESIGN PARTNERPortfolio / Tax
Model diversification paths against tax budget, IPS constraints, tracking error, and trading windows.
Evidence, checks, human gate, audit.
03
DESIGN PARTNERPlanning / Tax
Evaluate bracket limits, IRMAA exposure, liquidity needs, and client tradeoffs before year-end.
Evidence, checks, human gate, audit.
Roadmap — available for design partner co-development
04
Tax-aware withdrawal sequencing
ROADMAP05
Portfolio drift rebalance
ROADMAP06
Trust distribution review
ROADMAP07
Charitable giving optimizer
ROADMAP08
Alternatives capital call
ROADMAP09
Firm policy exception request
ROADMAPTrust architecture
Probabilistic cognition must never directly become deterministic execution.
LAYER 01
Firm systems, documents, policy, market data.
LAYER 02
Source facts and policy version captured.
LAYER 03
Rules block unsafe paths before AI.
LAYER 04
Client data masked before AI review.
LAYER 05
Bounded synthesis plus skeptical QA.
LAYER 06
Advisor and compliance approvals stay explicit.
LAYER 07
Trades and tasks are staged only.
LAYER 08
Complete case file remains reviewable.
Platform positioning
The fiduciary ops pilot
100–500 households supervised
One workflow (tax-loss harvesting)
One firm policy set applied
Stage-only output — no trade execution
Completed fiduciary case files
Exportable audit packet (PDF, JSON, CSV)
Weekly case review with the founder
The pilot is priced below one month of the compliance analyst capacity it replaces.