WealthGuard Specification

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WealthGuard

Where Security Meets Smart Planning

Overview

WealthGuard is an open-source retirement and generational wealth planning platform designed to help individuals and families build, protect, manage, and transfer wealth over time.

The platform combines retirement planning, investment analysis, tax and regulatory awareness, wealth protection, estate and inheritance planning, scenario modeling, and artificial intelligence into a unified planning system.

WealthGuard is designed around a privacy-first, local-first architecture with end-to-end encryption and user-controlled data. Its purpose is to provide transparent and explainable financial planning tools that help users create long-term roadmaps for retirement and future generations.

WealthGuard does not treat retirement planning as a single calculation. The system evaluates the relationships between income, assets, liabilities, investments, taxes, regulations, economic conditions, longevity, inheritance goals, and changing market conditions.

Design Principles

Open-source development and transparent financial logic
Modular architecture with independently maintainable components
Local-first operation where possible
End-to-end encryption for sensitive user data
User-controlled encryption keys and data access
Transparent AI reasoning for recommendations
Jurisdiction-aware financial analysis
Explainable assumptions, calculations, and projections
Long-term planning across retirement and multiple generations
Optional functionality through independent plugin modules
No vendor lock-in
Offline functionality where supported

Core Modules

Financial Profile Module

The Financial Profile Module establishes the user’s financial foundation.

Features include:

Income tracking
Expense tracking
Asset tracking
Liability tracking
Debt tracking
Retirement account tracking
Property and real estate tracking
Business ownership tracking
Investment tracking
Dependent and household information
Retirement age planning
Financial goal creation
Risk tolerance assessment
Lifestyle and spending goals
Legacy and inheritance goals

The module provides the core financial information used throughout the WealthGuard planning system.

Retirement Planning Module

The Retirement Planning Module creates personalized retirement roadmaps based on the user’s financial position and long-term goals.

Features include:

Retirement readiness analysis
Retirement age projections
Savings target calculations
Retirement income projections
Withdrawal planning
Lifetime spending projections
Inflation-adjusted planning
Social and government benefit modeling where applicable
Retirement account contribution analysis
Required distribution analysis where applicable
Retirement milestone planning
Action timelines
Retirement gap analysis

The module continuously evaluates whether the user’s current financial path supports their retirement objectives.

Investment Analysis Module

The Investment Analysis Module evaluates investment vehicles and portfolio strategies based on the user’s financial goals, risk profile, time horizon, and jurisdiction.

Features include:

Retirement account analysis
Tax-advantaged account analysis
Stocks
Index funds
Exchange-traded funds
Bonds
Annuities
Real estate
Business equity
Alternative investments
Diversification analysis
Portfolio allocation analysis
Rebalancing recommendations
Risk exposure analysis
Concentration analysis
Long-term investment suitability analysis

All investment recommendations must include an explanation describing why the recommendation was generated.

Industry Longevity Analysis Module

The Industry Longevity Analysis Module evaluates industries and sectors for long-term growth, decline, disruption, or potential obsolescence.

The AI analyzes factors including:

Historical industry performance
Technological disruption
Automation
Artificial intelligence adoption
Consumer behavior changes
Regulatory changes
Government policy
Demographic changes
Economic conditions
Resource availability
Supply chain risk
Market concentration
Emerging competitors
Substitution risk
Global and regional trends

The module identifies industries that may face significant decline or potential extinction within foreseeable planning horizons.

Industry classifications may include:

Long-term growth potential
Stable or mature
Transitional
Declining
High disruption risk
High obsolescence risk

Every industry assessment must provide a reasoning report that identifies the evidence, assumptions, trends, and risk factors behind the analysis.

The system must distinguish between evidence-based analysis and uncertainty. Predictions must not be presented as guarantees.

Recommendation Explanation Module

The Recommendation Explanation Module ensures that AI-generated recommendations remain transparent and understandable.

Every recommendation should provide:

The recommendation
The purpose of the recommendation
The relevant user goals
The assumptions used
The financial factors considered
The applicable tax or regulatory factors
Relevant risks
Alternative strategies where appropriate
Confidence or uncertainty indicators
Supporting sources where available

Users must be able to understand why WealthGuard recommends, prioritizes, limits, or avoids a particular strategy.

Tax Intelligence Module

The Tax Intelligence Module evaluates financial decisions based on the user’s applicable tax jurisdiction.

The module must support country and regional tax analysis, including state, province, territory, or other applicable jurisdictions.

Features include:

Income tax analysis
Capital gains tax analysis
Dividend taxation
Retirement account taxation
Contribution limits
Withdrawal rules
Required distributions where applicable
Estate taxes
Inheritance taxes
Gift taxes where applicable
Tax credits
Deductions
Tax-efficient withdrawal strategies
Tax-aware investment analysis
Long-term tax projections

Recommendations must identify the jurisdiction and tax assumptions used in the analysis.

Tax rules must be versioned so that historical and current planning assumptions can be reviewed.

Legal and Regulatory Module

The Legal and Regulatory Module evaluates applicable laws and regulations that may affect retirement, investment, estate, and inheritance planning.

Features include:

Retirement regulations
Investment restrictions where applicable
Estate planning requirements
Inheritance regulations
Beneficiary rules
Trust-related regulations
Required disclosures
Jurisdiction-specific planning rules
Regulatory change monitoring

The module provides informational analysis and identifies areas where professional legal review may be appropriate.

Wealth Protection Module

The Wealth Protection Module evaluates risks that could reduce or destabilize long-term wealth.

Features include:

Portfolio diversification analysis
Inflation risk analysis
Longevity risk analysis
Debt analysis
Liability analysis
Insurance planning considerations
Long-term care planning considerations
Property risk considerations
Emergency fund analysis
Concentration risk analysis
Industry exposure analysis
Regulatory risk analysis
Sequence of returns risk analysis

The module identifies vulnerabilities and provides reasoned strategies for improving financial resilience.

Scenario Modeling Module

The Scenario Modeling Module allows users to test different financial conditions and life events.

Supported scenarios include:

Market downturns
Extended recessions
Inflation increases
Interest rate changes
Early retirement
Delayed retirement
Changes in income
Unexpected expenses
Major life events
Changes in investment performance
Industry decline
Business failure
Property value changes
Changes in tax law
Changes in inheritance goals

Users must be able to compare scenarios and understand how each scenario affects retirement readiness, wealth preservation, and inheritance outcomes.

Stress Testing Module

The Stress Testing Module evaluates the resilience of a financial plan under adverse conditions.

Features include:

Portfolio drawdown simulations
Inflation stress tests
Longevity stress tests
Income interruption simulations
Large expense simulations
Industry collapse scenarios
Investment concentration scenarios
Tax increase scenarios
Regulatory change scenarios
Multi-event simulations

Stress test results must identify the assumptions used and explain the potential impact on the user’s financial roadmap.

Inheritance and Legacy Planning Module

The Inheritance and Legacy Planning Module helps users plan for the transfer of wealth across generations.

Features include:

Beneficiary planning
Inheritance projections
Estate value projections
Multi-generational wealth modeling
Distribution scenarios
Trust planning guidance
Will planning guidance
Asset transfer analysis
Tax-aware inheritance analysis
Estate liquidity analysis
Family distribution simulations
Legacy goal tracking

The system should identify potential conflicts, inefficiencies, duplicated beneficiary arrangements, and risks that could affect intended wealth transfers.

Multi-Generational Planning Module

The Multi-Generational Planning Module extends financial analysis beyond the user’s lifetime.

Features include:

Family wealth projections
Child and descendant inheritance modeling
Multi-generation asset growth simulations
Distribution timing analysis
Tax impact projections
Family collaboration controls
Shared planning permissions
Long-term wealth preservation strategies
Generational scenario analysis

The module must support planning assumptions that can extend across multiple generations while clearly identifying long-term uncertainty.

AI Planning Module

The AI Planning Module provides personalized analysis across WealthGuard.

The AI may assist with:

Financial roadmap creation
Investment analysis
Industry risk analysis
Retirement readiness analysis
Scenario generation
Wealth protection analysis
Tax-aware planning
Inheritance planning
Action prioritization
Risk identification
Regulatory change impact analysis

AI-generated responses must be explainable and must not function as an unexplained recommendation engine.

The system must clearly separate:

Factual information
Calculated projections
AI-generated analysis
Assumptions
Uncertainty
Professional advice boundaries

Financial Roadmap Module

The Financial Roadmap Module transforms analysis into an actionable long-term plan.

Features include:

Financial milestones
Savings goals
Investment goals
Debt reduction goals
Retirement milestones
Estate planning milestones
Beneficiary review reminders
Portfolio review reminders
Tax planning actions
Regulatory review alerts
Legacy planning actions

The roadmap should adapt when the user’s financial circumstances, goals, laws, regulations, or economic conditions change.

Alerts and Monitoring Module

The Alerts and Monitoring Module identifies changes that may affect the user’s financial plan.

Alerts may include:

Portfolio concentration risks
Industry risk changes
Regulatory changes
Tax law changes
Retirement account rule changes
Beneficiary review reminders
Rebalancing opportunities
Retirement readiness changes
Inflation risks
Goal deviations

Users must control alert preferences and notification frequency.

Data Security Module

The Data Security Module protects sensitive financial and personal information.

Core requirements include:

Local-first data handling where possible
Encryption of sensitive data before external synchronization
User-controlled encryption keys
Secure key generation
Secure key storage
Secure key recovery options controlled by the user
Encrypted backups
Secure device authorization
Secure multi-device synchronization
Encryption for shared data
Protection against unauthorized access

No central service should have unrestricted access to a user’s decrypted financial information.

End-to-End Encryption Module

The End-to-End Encryption Module protects user data during storage, synchronization, and authorized sharing.

Features include:

Client-side encryption
Encrypted data synchronization
User-controlled decryption
Secure key exchange
Authorized device management
Encrypted family sharing
Encrypted advisor sharing
Encrypted reports and snapshots
Encrypted backup support

Encryption architecture must be independently auditable.

Transport security such as TLS protects data in transit but does not replace end-to-end encryption. End-to-end encryption requirements must ensure that encrypted content can only be decrypted by authorized users or devices.

Local-First Module

The Local-First Module allows WealthGuard to operate without requiring continuous access to centralized infrastructure.

Features include:

Local data storage
Offline financial planning
Offline calculations
Local scenario modeling
Local AI execution where supported
User-controlled synchronization
Encrypted synchronization
Conflict handling
Data portability

Users should retain meaningful access to their data even when external services are unavailable.

Collaboration Module

The Collaboration Module supports secure, permission-based planning with trusted participants.

Authorized participants may include:

Family members
Financial advisors
Tax professionals
Legal professionals
Estate planners

Features include:

Role-based permissions
Encrypted sharing
Limited access scopes
Revocable access
Shared planning workspaces
Secure plan snapshots
Audit records
Collaboration history

The user must control who can access information and which parts of a financial plan are shared.

Education Module

The Education Module provides financial literacy resources that help users understand the concepts behind their plans.

Topics may include:

Retirement planning
Investment diversification
Tax concepts
Inflation
Risk
Estate planning
Inheritance
Trusts
Beneficiaries
Debt management
Wealth preservation

Educational content must clearly distinguish general information from personalized recommendations.

Accessibility and Internationalization Module

The Accessibility and Internationalization Module ensures that WealthGuard can support users across different regions and accessibility needs.

Features include:

Multiple language support
Local currency support
Regional number and date formatting
Accessibility support
Keyboard navigation
Screen reader compatibility
Adjustable interface preferences
Jurisdiction-aware terminology

Optional Plugin Modules

Jurisdiction Plugin

Jurisdiction plugins provide country, state, province, territory, or regional rules that extend the Tax Intelligence Module and Legal and Regulatory Module.

Plugins may include:

Tax calculations
Retirement account rules
Estate rules
Inheritance rules
Regulatory requirements
Government benefit information

Jurisdiction plugins must identify their source data, effective dates, and version information.

Investment Vehicle Plugin

Investment Vehicle Plugins add support for additional investment types or financial products.

Plugins may provide:

Product characteristics
Risk analysis
Tax treatment
Liquidity analysis
Fee analysis
Regulatory restrictions
Long-term suitability factors

Plugins must not present a product as universally suitable.

Data Provider Plugin

Data Provider Plugins allow users to connect approved external data sources.

Potential sources include:

Financial institutions
Brokerage accounts
Market data providers
Government data sources
Economic data sources

External connections must require explicit user authorization and must preserve WealthGuard’s privacy and encryption requirements.

Industry Research Plugin

Industry Research Plugins provide additional data models and research sources for industry longevity analysis.

Plugins may analyze:

Emerging technologies
Labor trends
Patent activity
Regulatory developments
Supply chains
Market trends
Consumer behavior

Plugin outputs must remain explainable and identify their data sources and assumptions.

AI Model Plugin

AI Model Plugins allow users to select or install compatible AI systems.

Supported capabilities may include:

Local AI models
Specialized financial analysis models
Scenario generation models
Industry analysis models
Document analysis models

AI plugins must comply with WealthGuard’s transparency, privacy, and security requirements.

Simulation Plugin

Simulation Plugins provide additional modeling methods.

Potential features include:

Monte Carlo simulations
Alternative economic models
Specialized portfolio models
Regional economic simulations
Generational wealth simulations

Plugins must document their methodology and assumptions.

Reporting Plugin

Reporting Plugins provide additional reporting and export capabilities.

Features may include:

Retirement summaries
Wealth protection reports
Tax assumption reports
Inheritance planning summaries
Scenario comparisons
Advisor-ready reports
Family planning reports

Reports containing sensitive data must preserve applicable encryption and access controls.

Notification Plugin

Notification Plugins provide optional communication channels.

Supported channels may include:

Local notifications
Email notifications
Calendar reminders
User-selected messaging services

Sensitive financial information must not be exposed through insecure notifications.

Ethical and Preference Filtering Plugin

Ethical and Preference Filtering Plugins allow users to apply personal investment criteria.

Users may define preferences related to:

Industries to avoid
Industries to prioritize
Sustainability considerations
Social priorities
Personal investment restrictions

The plugin must clearly explain how preferences affect recommendations.

Professional Integration Plugin

Professional Integration Plugins support secure collaboration with financial, tax, and legal professionals.

Features may include:

Secure document sharing
Permission-based data access
Professional review workflows
Plan comments
Recommendation acknowledgments

Professional access must remain under user control.

Specification Branding License (SBL)

Standard

Fully AGPL-3.0+ compliant system
Copyleft enforced for network deployments
Required attribution:
- Roxanne Ardary
- https://www.roxanneardary.com/

Optional

Specification Branding License (SBL)
- Attribution-free commercial deployment
- Pricing based on scale, usage, and deployment scope
- https://roxanneardary.com/wealthguard/

License & Notice Requirements

WealthGuard is released under the GNU Affero General Public License v3.0 or later (AGPL-3.0+).
By contributing to this project, you agree that your contributions will also be released under this license.

Please note the following:

All contributions must comply with the AGPL-3.0+ terms.
Under Section 7 of the license, all redistributions, forks, and derivative works must preserve attribution to:
Roxanne Ardary and roxanneardary.com.
WealthGuard specifications are free to use with attribution. A Specification Branding License can be negotiated upon request.
The project’s notice.md file tracks attribution requirements and contributor acknowledgments.
Any update that adds new contributors or modifies attribution should also update notice.md.
When submitting a pull request, ensure that any new files maintain the attribution headers where applicable.
Network-deployed versions of this software must also remain fully AGPL-3.0+ compliant, including exposure of source code modifications when applicable under the license.

For full legal details, please refer to the AGPL-3.0+ license and the project’s notice.md file.

Notice – WealthGuard

Attribution Requirement: Under Section 7 of the AGPL 3.0+ license, all redistributions, forks, and derivative works, including network-deployed versions of this project, must provide attribution to Roxanne Ardary and roxanneardary.com.

Contributors

This file tracks contributors and their specific contributions to the project.

Roxanne Ardary, roxanneardary.com – March 11, 2026
Created the repository for WealthGuard. Designed the full open-source retirement planner with multi-generational wealth, AI-driven investment and industry analysis, scenario modeling, and end-to-end encryption.
[Add other contributors here] – [Date]
[Describe contribution in one sentence]

License – WealthGuard

This repository is licensed under the GNU Affero General Public License v3.0 or later (AGPL-3.0+).

Key Points:

You are free to use, modify, and distribute the code.
All redistributions, forks, and derivative works or network-deployed versions must also be licensed under AGPL-3.0+ and provide attribution to Roxanne Ardary and roxanneardary.com as required under Section 7 of the license.
The software is provided “as is,” without warranty of any kind.

For the full license text, see GNU AGPL-3.0 License.