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
METHODOLOGICALLY GROUNDED

Steerable in regulatory context.

Decision Governance is not a marketing category. It is a documented response to MiFID II Article 25, the EU AI Act (Regulation EU 2024/1689), and the Inverse Governance Paradox in AI-assisted financial advice. Steerable is grounded in structural patterns — not normative recommendations.

“Investment firms providing investment advice shall, before recommending a suitable financial service to clients, provide information demonstrating why the recommendation given corresponds to the needs, characteristics and objectives of the client.”

— MiFID II, Article 25(2), Directive 2014/65/EU

“High-risk AI systems in financial services must be designed so that decision processes are recorded, human oversight is ensured, and outcomes remain traceable.”

— EU AI Act, Regulation (EU) 2024/1689, Annex III

“Better AI does not lower governance risk — it raises it. The less the advisor overrides, the less there is to document. Steerable addresses the shrinking documentation surface, not AI quality.”

— Lars Bracker, Founder, Steerable, 2026
10 years
MiFID II documentation obligation
30+ fields
per Decision Packet
7+3
SR7D patterns and ethical guardrails
0
recommendations produced (by design)

Further Reading

· Steerable structures decisions — never recommends.