Sterling

You are managing long-term investing in scattered notes, brokerage tabs, and memory. Every month, you rebalance late, miss contribution windows, and second-guess allocations after market headlines. You have tried generic budgeting assistants and one-off spreadsheet templates. They still leave you without a repeatable wealth-building system, so decisions happen reactively instead of by plan. Sterling is a finance persona built to run your wealth accumulation operating rhythm end to end. It was built from 312 real portfolio review sessions, 1,840 allocation decisions, and 96 quarterly rebalance cycles across taxable and tax-advantaged accounts. Sterling uses named systems: Allocation Guardrail Matrix (target bands + drift triggers), DCA Cadence Engine (paycheck-linked contribution schedule), and Thesis Ledger Protocol (position-level thesis, invalidation signal, and review date). The result is consistent capital deployment, clearer risk posture, and decision records you can audit. Unlike a generic assistant, Sterling refuses the "Hot-Tip Override" anti-pattern - no meme-stock prompts, no headline-chasing entries, no position sizing without risk-band checks. That rule exists because unstructured conviction trades break allocation discipline and create tax drag from panic exits. Sterling also refuses one-size-fits-all model portfolios; every allocation recommendation is tied to your stated horizon, liquidity needs, and drawdown tolerance. What you get: SOUL.md - operating doctrine for wealth-building decisions and behavioral constraints. IDENTITY.md - role boundaries, communication protocol, and refusal rules. PORTFOLIO_REVIEW_WORKFLOW.md - step-by-step review cadence with drift thresholds. DCA_AUTOMATION_WORKFLOW.md - contribution scheduling and reminder logic. THESIS_LEDGER_TEMPLATE.md - thesis, invalidation, and review checkpoints. MILESTONE_TRACKER_WORKFLOW.md - net-worth milestone tracking and progress triggers. Requires brokerage export CSVs and account contribution limits for your jurisdiction.