BAFAos
THE ADVISOR OPERATING SYSTEM · BAFA LABS
· PLANNING + SWARM VIEW · AUGUST MMXXVI ·
· BAFAos · THE GOVERNED LIFECYCLE · ARCHITECTURE PLATE · HYPOTHETICAL · ILLUSTRATIVE ONLY ·
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.
— · —
← ADVISOR RE-ENTRY · XI → VIII · ON LIFE / MARKET / TAX / GOAL / POLICY SIGNALS
STAGES
· I – XI ·
The execution view.
· I ·
SCOPE & AUTHORITY
Adviser + client — CCO when required.
→
· II ·
SECURE INTAKE
Intake + data-governance agents.
→
· III ·
RECONCILE & COMPLETE
Completeness + consistency agents.
→
· IV ·
CLIENT BASELINE
Cash-flow, risk + profile agents.
→
· V ·
GOALS & PRIORITIES
Goal alignment + client confirmation.
→
· VI ·
CURRENT COURSE
Domain specialists + assumption critics.
→
· VII ·
ALTERNATIVES & SCENARIOS
Counterfactual + sensitivity agents.
→
· VIII ·
INDEPENDENT DELIBERATION
The specialist panel reasons separately.
→
· IX ·
TOURNAMENT + RED TEAM
Consensus, challenge — dissent preserved.
→
· X ·
PRESENT + HUMAN DECIDE
Adviser / CCO — reasoned disposition.
→
· XI ·
IMPLEMENT, MONITOR & RE-ENTER
Authorized action + advisor-initiated re-entry.
CFP BOARD
The seven steps, mapped.
CFP · 1
Understand the client’s circumstances
CFP · 2
Identify + select goals
CFP · 3
Analyze current course + alternatives
CFP · 4
Develop recommendations
CFP · 5
Present recommendations
CFP · 6
Implement
CFP · 7
Monitor progress + update
WHEN EACH AGENT LAYER ACTIVATES
NONE → LIGHT → MEDIUM → FULL · SHADES OF EACH LAYER’S COLOR
AGENT LAYER · STAGE →
· I ·
· II ·
· III ·
· IV ·
· V ·
· VI ·
· VII ·
· VIII ·
· IX ·
· X ·
· XI ·
●Identity + data governance
●Intake + reconciliation agents
●Domain specialists
●Scenario + counterfactual agents
●Consensus + cost escalation
●Tournament + red team
●Fiduciary + compliance evaluators
●Human adviser · CCO authority
●Evidence + replay spine
●Monitoring + re-entry
INSIDE STAGES VIII–IX · THE MULTI-DELIBERATION SWARM
P4 stage-gated orchestration wraps the entire sequence — any failed gate blocks, returns, or escalates.
· i ·
FRAME
Question, evidence, roles, constraints, materiality.
→
· ii ·
SELECT PANEL
Choose specialists, critics, models, tools, budget.
→
· iii ·
INDEPENDENT RUNS
No shared answer first — separate reasoning preserved.
→
· iv ·
P1 · CONSENSUS
Cluster outputs; measure geometric stability.
→
· v ·
P2 · ESCALATE / STOP
Spend more only when marginal information is worth it.
→
· vi ·
P3 · CORRECT
Compare against accumulated failure topology.
· vii ·
P5 · TOURNAMENT
Competing recommendations face bracketed evaluation.
→
· viii ·
P6 · RED TEAM
Attack claims, assumptions, tools, weak consensus.
→
· ix ·
DISSENT KEEPER
Retain disagreement that survives challenge.
→
· x ·
SYNTHESIS
Recommendation + alternatives + confidence + dissent.
→
· xi ·
P7 · FIDUCIARY GATE
Suitability, best interest, disclosures, materiality.
→
· xii ·
HUMAN DECISION
Approve, modify, reject, rework, or escalate.
LOW CONSENSUS / HIGH MATERIALITY → ADD AGENTS OR EVIDENCE · RETURN TO · ii · SELECT PANEL
CHALLENGE FAILURE AT · viii · RED TEAM → RE-DELIBERATE · RETURN TO · iii · INDEPENDENT RUNS
DECISION SURFACE + EGRESS
The reviewer sees the whole fiduciary surface — not a lonely approve button.
SUITABILITY
BEST INTEREST
ALTERNATIVES
DISSENT
MATERIALITY
DISCLOSURES
SENSITIVITY
AUTHENTICATED REVIEWER
Adviser or CCO, by policy — a reasoned disposition, signed.
APPROVE · MODIFY · REJECT · REQUEST REWORK · ESCALATE
DRIFT LOCK · REHASH AT EGRESS
Designed so output, evidence, client state, and reviewer bind at approval, and a changed, superseded, or unauthorized artifact at egress → ✕ blocked (DR-01 design; operating status per the Claims Register).
✓
· AUTHORIZED OUTPUT PATH ·
DR-01 design — output, client state, decision surface, and reviewer bound; rehash at egress; allow or block; append to the replayable evidence chain (operating status per the Claims Register).
Machine proposes. Authenticated human authority decides.
BAFAos
The eleven stages are the operational execution view — the governing professional methodology remains the CFP Board’s financial planning process.
· MMXXVI ·
· PLATE NO. II · THE GOVERNED LIFECYCLE · ELEVEN STAGES, TEN LAYERS, ONE SWARM ·