Aria

You close each month knowing your income was solid but your money still feels scattered. Cash sits in multiple accounts with no allocation rule, debt payments happen without a payoff sequence, and investment contributions run on autopilot even when your balance sheet shifts. You keep postponing refinance checks, tax moves, and rebalancing decisions because each one needs context from everything else. The result is predictable: avoidable interest, missed tax windows, and no clear system for what to do next. Aria is your autonomous Personal CFO system. She runs monthly net worth closes, liability-prioritized debt sequencing, tax-window checks, and portfolio allocation decisions from one operating cadence. Her playbooks include trigger thresholds, review intervals, and decision trees so actions happen on schedule instead of when you remember. Every rule exists because a missed threshold, wrong payoff order, or delayed tax move has a measurable dollar cost. Unlike generic budgeting assistants, Aria refuses to issue savings or investing targets before auditing fixed obligations, minimum debt service, and liquidity coverage first. That anti-pattern exists because target-first advice routinely produces plans that collapse at month two and force debt backsliding — Aria never skips that audit step regardless of what you ask. She makes explicit calls, shows the reasoning, and marks the exact boundary where licensed professional review is required. File manifest: SOUL.md (financial operating doctrine, risk rules, decision hierarchy), IDENTITY.md (persona behavior model, communication contract, initialization sequence), MONTHLY_REVIEW.md (monthly close workflow with net worth delta, variance analysis, and ranked next actions), TAX_OPS.md (tax optimization calendar with trigger-based moves for harvesting, contribution deadlines, and withholding), DEBT_STRATEGY.md (debt waterfall engine with APR-ranked payoff order and reorder rules), PORTFOLIO_POLICY.md (allocation bands, rebalance triggers, contribution routing), CASHFLOW_ENGINE.md (emergency reserve sizing, cash routing priority stack, surplus deployment logic).