Consultation room
Load the client file, then work it with the specialist bench.
Enter the real numbers once. Every specialist runs its framework against the same file, and each session is filed as a written plan with a scorecard.
Step 01 — Client file
Your financial position
Enter your own income, assets, debts and goals below — every consultant reasons on this file. Approximate figures are fine; the agents label assumptions.
Or load a sample client file
Net worth
$40,000
Monthly surplus
$3,183
Savings rate
25.8%
Marginal tax rate
22%
Emergency cover
49.4 mo
Computed live from your file using the 2026 reference desk — no AI guesswork.
Client file · Documents
Tax returns, W-2s and statements
Upload the client's paperwork and every specialist reads it during analysis. Text exports (CSV, TXT, OFX, JSON) are parsed automatically; for PDFs and scans, type the key figures so they can still be cited.
No documents on file for Jordan & Maya Ellis yet.
Step 02 — Choose your consultant
The bench
Each panel already runs the arithmetic on the loaded file. Press run and that specialist works its full framework in the consultation room below.
Cash flow, debt, investing, retirement, tax, risk, estate and wealth.
- Net worth
- $40,000
- Savings rate
- 25.8%
- Debt-to-income
- 278.4%
- Monthly surplus
- $3,183
- Savings rate
- 25.8%
- Emergency fund
- 49.4 mo
- Debt-to-income
- 278.4%
- Interest cost / yr
- $26,162
- Payoff on surplus
- 219 mo
- Investable assets
- $452,000
- Real return assumption
- 4.0%
- Cash yield available
- 4.0%
- Target nest egg (25x)
- $2,745,000
- Funded so far
- 16.5%
- 2026 deferral room
- $24,500
- Marginal rate
- 22%
- Effective rate
- 12.9%
- Est. federal tax
- $14,900
- Life cover target
- $1,892,000
- Income at risk / mo
- $12,333
- Liquidity buffer
- 49.4 mo
- Estate value
- $40,000
- Federal exemption
- $15,000,000
- Annual gift exclusion
- $19,000
- Net worth
- $40,000
- Annual savings capacity
- $38,200
- Progress to independence
- 16.5%
- SE tax base cap
- $184,500
- Owner plan ceiling
- $72,000
- Cost of capital
- 11.5%
- Net worth
- $40,000
- Monthly surplus
- $3,183
- Marginal rate
- 22%
Aria's toolkit
Tools, templates and case studies
Start from a template instead of a blank prompt — each one runs Aria's own framework on the loaded file. Clients see the same case studies on the specialist's page.
Aria's tools
Intake completeness check
Computes missing fields blocking a full plan.
Net worth statement
Computes assets less liabilities, by tier.
Priority triage matrix
Computes which specialist the file needs first.
Plan templates · 2026 figures
Baseline assessment
Full intake read: position, gaps, and the specialist running order.
Life-event re-baseline
Re-runs the assessment after a move, birth, marriage or job change.
Case studies
Dual-income family, three competing goals
Situation: Household earning $196k with a mortgage, two education goals and no written plan.
Work: Built the net worth statement, found a 4.1-month emergency buffer and ranked goals by cost of delay.
Outcome: Debt and tax went first; education funding was staged behind a full 6-month buffer.
Step 03 — Consult
Consultation room
Live consultation
Aria · Discovery & Client Counseling
Net worth
$40,000
starting position
Savings rate
25.8%
capacity to fund goals
Debt-to-income
278.4%
constraint on new commitments
Engagement framework
- 1Situation intake & fact base
- 2Goal hierarchy and time horizons
- 3Behavioural & emotional drivers
- 4Constraint and risk mapping
- 5Engagement roadmap + agent handoffs
Start here
Reference desk · live database
The data every specialist works from
Tax law, contribution limits, interest rates and market indices are stored in the practice database, dated and sourced. Treasury yields and index closes are pulled from their public sources, so the figures move on their own — every consultant is handed the live slice relevant to its mandate before it answers.
Loading the reference desk…
Step 04 — Client file record
Saved plans
Every consultant's written plan is filed here against Jordan & Maya Ellis and stays available after the session ends.
Step 05 — Reality check
Taya Pro Consulting vs. a real financial advisor
The same file, priced and delivered both ways. Taya Pro Consulting's column is your actual logged time and filed plans; the advisor column applies published US advisory fee bands and planning cadence to your own numbers. Priced on this file's $40,000 net worth and $452,000 of investable assets.
Taya Pro Consulting, this engagement
$315
0 plans filed · 0.0 h logged
Typical advisor, year one
$4,520
1% AUM or a $2,500–$4,500 flat plan fee
Difference
−$4,205
Less than the human equivalent for the same written work
| Measure | Taya Pro Consulting bench | Real financial advisor | Basis |
|---|---|---|---|
| Cost for this engagement | $315 (0.8 h @ $420/h) | $4,520/yr (1.0% of $452,000) | Taya Pro Consulting logged time vs. published AUM/flat-fee bands |
| Time to a written plan | Same session | ≈4 weeks after intake | Typical intake → draft → presentation cycle |
| Specialists on the file | 11 (each running its own framework) | 1 generalist, tax and estate referred out | Taya Pro Consulting bench vs. single-advisor practice |
| Plans filed on this file | 0 written plans with scorecards | 1 plan + 2 reviews a year | Filed record vs. standard review cadence |
| Minimum to be taken on | None | $250,000 investable typical | Common AUM household minimum |
| Uses 2026 brackets and limits | Yes — reference desk resolves 2026 figures automatically | Yes, but tax detail usually referred to a CPA | Live statutory desk vs. referral model |
| Goal coverage on the plan | Scored once a plan is filed | Goals covered, scoring rarely shown | Deterministic scorecard vs. narrative plan |
| Fiduciary standing & judgement | Educational guidance — no regulated advice, no accountability for outcomes | Fiduciary duty, licensed, can be held accountable | Regulatory status |
| Human relationship | Always available, no relationship history | Knows the family, can push back in person | Service model |
Advisor figures are industry norms, not a quote from a named firm, and Taya Pro Consulting is not a substitute for a licensed fiduciary on legally binding decisions.
Step 06 — The rest of the practice
The tooling the big platforms charge a percentage for
Monte Carlo funding probabilities, a risk-scored model portfolio with drift and tax-loss harvesting, a linked account ledger with budgets and net-worth history, and the advisor-side CRM and compliance trail. Everything runs on this same client file.
Planning engine
Seeded Monte Carlo on 1,500 paths: success probability, percentile balances, the contribution that gets you to 85%, and goal-by-goal funding odds.
Matches eMoney / RightCapital
Portfolio & risk
An eight-question risk score mapped to a low-cost model portfolio, drift against target bands with a trade list, and tax-loss harvesting candidates.
Matches Betterment / Wealthfront
Accounts & tracking
Accounts, liabilities and holdings with cost basis, CSV transaction import with auto-categorisation, budgets and a net-worth history.
Matches Empower / Monarch
Practice desk
Pipeline with weighted revenue, a task queue with overdue flags, meeting notes that spawn follow-ups, and a dated disclosure trail.
Matches Redtail / Wealthbox
Client portal link
Send the client their own page
Publishes Jordan & Maya Ellis's goals, headline numbers and every filed plan with its scorecard to a private link they can open without signing in.