The firm leaves every meeting with approved, archived minutes. You leave with your memory. On who keeps the record, and what a record of your own would hold.

The human boundary on finance AI came loose from the agent this week: Accenture sold its guardrail list as the product, Ritholtz bought governance from Hadrius before rolling out Claude, and Oasis Group argued per-action costs will cap autonomy. Beneath it, one engine under six products. Each item graded for provenance.

A platform built from thousands of estates cannot be formed from yours. On Luminary, the estate-data layer, and the meaning no aggregate can hold.

This week's adviser AI shipped at every point on the autonomy scale at once — from a categorical human-review line to agents on a live custodial API. The spread is the story. Each item graded.

A plan answers what to do with the money, never who to be with it. On Altruist’s Hazel planning agent, and the question no plan contains.