CFP® Decision Governance

Your client speaks.
The system makes it visible.

27 topics. Three decisive. Now visible.

Does this sound familiar?

Do you recognize yourself here?

The conversation is too much at once

Your client brings 27 topics in 60 minutes. You listen, you structure in your head — and at the same time you know that something important is getting lost between the lines.

The DIN analysis has limits

DIN 77230 creates structure — but captures no half-sentences, no nuances, no ambivalence. The emotional subtext of a conversation doesn't fit in a checkbox.

🤖

AI tools recommend — but who is responsible?

AI-assisted analysis is a powerful tool. But when the result carries your name, you need to be able to trace it fully — step by step.

📄

The decision exists — but where is the documentation?

Three years later your client asks: "Why did we decide that back then?" A good answer needs an artifact — not just a memory.

Your client should see their model — not hear your opinion

You don't want to decide for your client. You want to show them what their priorities and tensions really look like — and empower them to judge for themselves.

DECISION.
GOVERNANCE.
NOT A FEATURE.
A CATEGORY.
● LIVE DEMO

Your client speaks. Steerable structures.

From the half-sentence to the externalized mental model.

~/steerable-session
|

From the idea to the documented decision.

Want to experience it yourself?

[ TRY STEERABLE → ]
HOW IT WORKS

Four steps. One artifact.

[ 01 ] Conversation

The conversation runs.
Steerable listens.

The CFP conducts a normal first session — no change in behavior, no predefined structure.

Audio or free text. The client notices nothing. Steerable extracts in the background.

[ 02 ] Extraction

27 topics. 5 Pillars.
Weighted connections.

Priorities, tensions, and constraints are identified from the narrative.

No algorithm decides — the system structures. Pillar nodes and edges with confidence scores.

[ 03 ] Contestability

Every weight is contestable.

The client calibrates their own model. Every confidence adjustable, every assumption visible.

"From 0.6 to 0.9." → Human Override, documented. The system makes structure visible. No preset decides for your client.

[ 04 ] Decision Packet

A verifiable artifact.
Forensically usable.

Zero Baseline + assumptions + confidence + evaluated alternatives. Append-only.

In 3 years: "Why did we decide that back then?" The answer is in the Packet.

Graph — empty
?

Conversation running —
structure not yet visible

5 Pillars · 8 Edges extracted
P4 P5 P1 P2 P3 0.82 0.74

27 topics → P1 confirmed · P2 P3 emerging · P4 P5 still open

Human Override — P2 calibrated
P1 P2 OVERRIDE conf P2 0.6 → 0.9

Client: "Weight equities higher."
Human Override, documented.

Decision Packet — Artifact
Decision Packet — Tanaka-Schmidt FORENSIC Top Pillar P1 Security Confidence 78% Human Override P2 conf 0.6→0.9 Zero Baseline 5 Pillars · 8 Edges Provenance Append-only · 14:42 Forensically usable · ZERO_BASELINE

"Why did we decide that back then?"
The answer is in the Packet.

Steerable runs in the background. Audio or free text. No change in behavior needed — the conversation stays natural.

The client notices nothing. The advisor works as usual. Steerable listens.

Priorities, tensions, and constraints are identified from the narrative. No algorithm decides — the system structures.

27 topics in 60 minutes → 5–7 Pillars with weighted connections.

Every weight is contestable. Every confidence adjustable. The system doesn't suggest what to change — it makes the structure visible.

"The confidence for equities needs to be higher — from 0.6 to 0.9." → Human Override, documented.

Zero Baseline + assumptions + confidence + evaluated alternatives. Append-only. Forensically usable.

In 3 years the client asks: "Why did we decide that back then?" The answer is in the Packet.

What Steerable delivers

Three pillars. One artifact.

No report. No summary. A verifiable decision artifact.

01

Externalization

Your client speaks. The system extracts priorities, tensions, constraints — and makes them visible as a network.

02

Contestability

Every weight is contestable. The client remains the author of their decision — the system opens the space, doesn't close it.

03

Decision Packet

A verifiable artifact. Who decided what, when, with what confidence, based on what assumptions. The missing record.

IN REAL TIME

The system thinks along.

Five dimensions of a Decision Packet — visualized live.

Confidence Score
0%
System confidence across all Pillars
Decision Snapshot
ClientTanaka-Schmidt
Top PillarP1 Build Emergency Fund
Rank#1
OverrideHuman
Provenance
14:15
Voice Intake
14:27
Extraction
14:42
Override R1
0 Extraction Pillars from the conversation
0 Elicitation Edges via Tournament
0 Evocation Counterfactual Probing
$ steerable compile --session 007-tanaka-schmidt 15:47
Steerable Decision Packet Session 007 · Tanaka-Schmidt · 03.03.2026 · Keller, A.
v1.0
Pillars
P1 Build Emergency Fund  ·  P2 Pay Off Consumer Debt  ·  P3 Retirement Provision  ·  P4 Growth  ·  P5 Real Estate Strategy
AI Extraction · 14:15
Tensions
P1 ↔ P3  tension  0.65   ·   P2 ↔ P4  dependency  0.81   ·   P5 ↔ P1  tension  0.72
AI Weighting · 14:27
Confidence
Score 0.78  ·  Range [0.52–0.91]  ·  Lowest Confidence: P5 Real Estate Strategy
System Calculation · 14:35
Provenance
session-007-intake.wav  ·  2026-03-03T14:15Z
contestability-round-1  ·  2026-03-03T14:42Z
Anchored · 14:42
Assumptions
No job-loss risk (6 months)  ·  Property not sold before 2028  ·  Care needs for Ms. Tanaka's mother from 2027
CFP Override · 14:42
Rejected Alternatives
Immediate property sale (location security prioritized)  ·  Full equity allocation (Mr. Schmidt risk-averse)
Documented · 14:49
SIGNED
Keller, A.  ·  15:49  ·  verifiable  ·  auditable
2 minutes. Verifiable. Forever.
Governance in Real Time

Every judgment has a weight —
transparently steerable
and contestable by the client.

Build Emergency Fund
0.50
WARN

Every judgment has a weight. Every weight has a gate.

TRY IT YOURSELF

The system to experience.

Three real CFP scenarios — editable directly in the browser.

CONFLICT
Emergency Fund vs. Debt
Confidence 0.41
TENSION
Security vs. Returns
Confidence 0.52
ASSUMPTION
Property for Mother
Confidence 0.61
Open Exploration Zone →
Who is Steerable for?

Built for the CFP® advisor.

CFP® Solo-Practitioner

Independent financial planner in the DACH region. Conducts deep first sessions with high-net-worth private clients. Needs structure — not another tool that decides for them.

  • DIN 77230-compliant analysis
  • Externalized conversation structure
  • Verifiable artifact per client

“My client decided. I showed the structure. The system documented.”

Coming soon
  • Wealth AdvisorInstitutional advisory, complex portfolios
  • Financial CoachBehavioral-based advisory approaches
  • Family OfficeMulti-generational wealth management
  • CorporateRegulatory documentation & tax-based financial planning