One household model. Every decision connected.
BAFAos connects accounts, plans, documents, obligations, and tax items into one governed model. It tests alternatives, catches cross-domain conflicts, and is designed to preserve the reasoning behind every recommendation.
A plan stops being a document. It becomes a living record.
Most financial tools solve one problem at a time. BAFAos holds the interactions between them, because the expensive mistakes usually happen between tax, investments, estate, insurance, cash flow, and timing.
Hold the whole picture.
Accounts, goals, documents, obligations, and tax items share one household state instead of living in separate software silos.
Test the alternatives.
Retire now or later. Convert or wait. Sell here or after the move. Each branch is measured across tax, cash flow, risk, liquidity, estate consequence, and deadlines.
Watch what changes.
A retirement, a move, an inheritance, a beneficiary update, an expiring provision, or a material shift is grounds for the advisor to reopen the affected work without waiting for the next annual meeting.
Preserve the decision.
The inputs, assumptions, alternatives, reviewer, approval, and exact client artifact are designed to stay bound together so the recommendation can be reconstructed later.
From scattered facts to signed advice.
The system is not the adviser. It is the governed path that makes the adviser less dependent on memory, manual handoffs, and disconnected calculations.
Assemble.
Gather the household facts and attach provenance, ownership, date, freshness, and confidence.
Model.
Normalise the facts into one governed household state that every downstream calculation inherits.
Test.
Run versioned planning checks and compare alternative strategies across the connected plan.
Review.
Rank findings with quantified trade-offs, and route the matter to the person the question requires.
Record.
Record the decision, its review, date, and reasoning — designed to bind the exact delivered artifact to the record.
The model can recommend. It cannot approve itself.
Analysis and authority stay separate. BAFAos may assemble, calculate, compare, draft, and challenge. No recommendation or client document crosses the release gate until a named person accepts responsibility for it.
Machine intelligence proposes. Human authority decides.
Where the question is weightier than one desk, it routes to the desk it belongs to — the advising partner, the compliance officer, your accountant, your attorney, or you.
Approval is designed to bind to the exact version approved, so that changing a recommendation afterwards holds it, unreleased, until someone reviews it again. A confidence score is not authority.
A retirement decision is never only a retirement decision.
Consider an executive retiring at fifty-eight, moving from New York to Florida, holding employer stock inside a 401(k), carrying deferred compensation and equity awards, bridging several years to Medicare, and planning a charitable gift.
Separate tools see six tasks. The adviser needs the one connected decision, with its deadlines, conflicts, trade-offs and missing facts visible in the same place — because handled one at a time, each answer can be right and the combination still wrong.
Architecture for a reconstructable recommendation.
The point is not to save keystrokes. It is to preserve the information that makes a consequential recommendation understandable, reviewable, and answerable later.
This is the architecture the record is built around. Where a specific control is running today versus still being hardened, the Claims Register says which.
The facts actually used.
Not the facts as remembered later, but the household state the analysis actually ran against.
What the numbers depend on.
Effective rates, growth and longevity assumptions, timing, and the calculation versions applied.
What was tested.
The planning checks run and the strategies compared — including the ones that were rejected.
What else was considered.
Where the independent passes disagreed, what was challenged, and how the disagreement resolved.
Who challenged and approved.
Adviser edits, reviewer role, the named approval, and the moment authority attached to the advice.
What the client received.
The exact signed version, its delivery time, and the acknowledgement that it arrived.
The system, drawn to scale.
Two plates from the BAFA Labs drawing room: the governed lifecycle every plan moves through, and the agent infrastructure that runs it — who works, where, and who decides. Scaled to fit the page; each opens at full size.
The governed planning lifecycle, in eleven stages.
An operational expansion of the CFP Board’s financial planning process.
Stages VIII–IX carry the full multi-deliberation swarm. P4 stage-gating and the evidence spine wrap every transition.
Adviser + client — CCO when required.
Intake + data-governance agents.
Completeness + consistency agents.
Cash-flow, risk + profile agents.
Goal alignment + client confirmation.
Domain specialists + assumption critics.
Counterfactual + sensitivity agents.
The specialist panel reasons separately.
Consensus, challenge — dissent preserved.
Adviser / CCO — reasoned disposition.
Authorized action + advisor-initiated re-entry.
P4 stage-gated orchestration wraps the entire sequence — any failed gate blocks, returns, or escalates.
Agent infrastructure — where, what, when, and who decides.
Agents are instantiated per engagement and stage — not an always-on digital petting zoo.
See what a connected plan looks like.
The useful demonstration is not a generic product tour. It is seeing how your household, your trade-offs, your open questions, and your decision record would actually take shape.
BAFAos is developed and owned by BAFA Labs, Inc., a technology company under common ownership with Intellicapital Advisors. This related-party relationship is a conflict of interest, and it is disclosed in our Form ADV.
This page describes both functionality in use at the firm and architecture the system is built around; where a control is a matter of design rather than something already running, it is written as such — built to, designed to. Nothing here is a promise of future features, and no description of the system alters the standard of care we owe you.
The household shown in One decision network is a composite constructed for illustration — not an actual client, and not a representation of any client’s results. Specimen panels are illustrative.