Investment preferences

Every field here is read by /invest and the AI assistant.

Contribution planning

Roth IRA annual target

Roth IRA YTD contributed

Roth 401(k) % of salary

Emergency fund target

Emergency fund balance (override)

Optional. If set, this wins over the tagged-account sum. Use it when a broker's API reports a wrong balance — e.g. a new Schwab sweep/MMF account that syncs as $0.

Emergency fund accounts

Schwab Individual Brokerage

schwab · brokerage

$184,320

Fidelity 401(k)

fidelity · traditional 401k

$138,906

Schwab Roth IRA

schwab · roth ira

$62,540

Chase High-Yield Savings

chase · savings

$28,500

Coinbase Wallet

coinbase · crypto

$21,871

Chase Total Checking

chase · checking

$9,240

1 account selectedCounts as: $28,500

Pick the accounts whose balances should count toward your emergency fund. Ignored when the override above is set. If you pick none and leave the override empty, we fall back to summing savings + checking.

Guardrails

Brokerage cash floor

Single-position cap (%)

Core allocation min (%)

Core tickers

VTIVOOQQQSCHG

Broad-market ETFs / mutual funds considered 'core' allocation.

Excluded tickers

Never recommend buying these.

Behavior toggles

Allow sell recommendations

Allow tax-loss harvesting

Rebalance drift threshold (%)

Contribution planning

Guardrails

Behavior toggles

Notes for the AI