Bay Area City Insight

Home-buying due-diligence reference portal for Bay Area cities -- cited demographics, housing, schools and crime data, plus an optional bring-your-own-key AI assistant.

Educational - not advice

Award Transfer Optimizer

Reference tool for exploring credit-card point transfers to airline and hotel partners, with per-figure sourcing.

Educational - not advice

Retirement Decumulation Reference

Reference tool for US retirement decumulation and early-access-penalty rules with a California overlay -- every answer comes from a SHA-256 sealed, source-cited module that refuses to run if tampered with.

Educational - not advice

Retirement Decumulation Reference v2 (AI-assisted)

The sealed retirement reference plus an optional bring-your-own-key AI assistant: the model semantically routes your question to sealed, source-cited entries and explains them -- it never answers on its own. Works keyless in exact-match mode.

Educational - not advice

Retirement Decumulation Reference v3 (AI-composed)

The same sealed corpus, but YOUR chosen LLM composes every answer -- with an optional, heavily flagged reduced-confidence web-search fallback. Bring your own key; compare against v1 (deterministic) and v2 (AI-routed).

Educational - not advice