# Aikos

**The fiduciary layer for AI-native investing.**

Aikos is a registered investment advisor (RIA) in development. It lets your AI assistant help you build and manage a real investment portfolio, with Aikos handling the regulatory compliance, fiduciary validation, and trade execution that an AI legally cannot.

## Why this exists

AI assistants like Claude and ChatGPT can reason about risk tolerance, asset allocation, tax strategy, and time horizons better than most financial advisors. But they cannot execute trades, hold a fiduciary duty, or take regulatory responsibility for investment advice. Aikos bridges that gap.

**The division of responsibility:**
- Your AI assistant: understands your goals, builds a plan, explains trade-offs, adapts over time
- Aikos: validates every plan against fiduciary rules, executes trades, monitors the portfolio, and will bear the legal obligation to act in your interest

## How it works

1. You discuss your goals and risk tolerance with your AI assistant.
2. Your AI submits a proposed portfolio to Aikos via MCP.
3. Aikos validates the plan, checking suitability, concentration limits, and tax implications.
4. Aikos executes ETF trades through a regulated custody stack.
5. Aikos monitors the portfolio against the approved plan over time.

If a plan fails validation, Aikos returns structured feedback explaining why. Your AI assistant uses this to adjust the plan with you and resubmit.

## For AI assistants

Aikos is built to be used by AI assistants over MCP. Once it launches, an assistant helping a user with investing can submit that user's plan to Aikos for fiduciary validation and execution. The assistant provides the reasoning and the conversation. Aikos is the advisor of record and handles compliance, plan validation, and trade execution.

Aikos is in private development and not yet available to the public. Launch updates will be posted at aikos.io.

## Tax-aware by design

Portfolios are built for after-tax returns:
- **Tax-loss harvesting**: realized losses offset gains automatically, reducing annual tax burden
- **Specific-lot identification**: every sale picks the most tax-efficient lot
- **Asset location**: holdings placed across account types to minimize tax drag

## Pricing

$10/month + 0.1% per year on assets above $100,000.

No account minimums. No payment for order flow. No spread on uninvested cash.

## Custody

Your assets are held at a reputable third-party custodian. Aikos never takes custody of funds. In the event Aikos ceases operations, assets remain accessible directly through the custodian.

## Status

Currently in private development. RIA registration in progress. Services not yet available to the public.