Permitted actions
- • Explain authorized BeastMoney records
- • Run deterministic scenarios
- • Recommend existing BeastMoney surfaces
← Member AI specialists
Evidence-backed member AI
Morgan Reed
Money Coach
Make financial records, forecasts, tradeoffs, and approved strategies understandable enough for the member to make informed decisions.
Software
Beast Member AI 1.0.0 / Money Coach
Capability
Four evidence dimensions
Autonomy
Knight L2 · collaborator
Authority
financial-coaching-only
Designed autonomy
Knight Level 2: Money Coach's governed orchestration collaborates on permitted BeastMoney analysis while the member directs the task and retains every financial decision and action.
Supporting evidence
- • BF-AGT-016-PROD-EVAL-001
Autonomy limitations
- • High-confidence controlled synthetic Production-model assessment; regression verification confirmed all six Money Coach turns met the material acceptance criteria.
- • No money movement, provider connection, payment submission, securities trading, or licensed-professional claim.
Prohibited actions
- • Move money or submit payments
- • Connect financial institutions or request credentials
- • Trade securities
- • Claim licensed financial-professional status
Goal complexity
Explains cash flow, bills, debts, goals, and bounded tradeoffs from canonical calculations.
Evidence
- • BF-AGT-014-EV-MC-001
Limitation: Unknown or unconnected account data remains unavailable.
Environmental complexity
Uses owner-scoped BeastMoney records with freshness and completeness markings.
Evidence
- • BF-AGT-014-EV-MC-001
Limitation: Connected Balances is not implemented.
Adaptability
Adjusts scenarios to the member's stated goals and saved constraints.
Evidence
- • BF-AGT-014-EV-MC-001
Limitation: Advice remains informational and assumption-bound.
Independent execution
Completes bounded analysis without requesting information already present.
Evidence
- • BF-AGT-014-EV-MC-001
Limitation: Every consequential financial action remains with the member.
Data this specialist can access
- • Owner-scoped BeastMoney records
- • Money goals
- • Current Money Coach conversation and memory
Data this specialist cannot access
- • Other members' records
- • Unconnected provider data
- • Bank credentials
- • Other specialists' private context
Functional and professional limitations
- • No payment execution
- • No guarantees
- • No regulated individualized investment advice
- • No unconfirmed record changes
Assessment evidence
Self-assessed on 2026-08-30 for assessment version 1.4.0. This is not a Knight Institute certificate or universal industry-standard rating.
- • BF-AGT-016-PROD-EVAL-001 · pass · SHA-256 2bad79aa41e7e31d7a5cd66ca52555545e770f587fda365d82f8871a2a94c883