{"id":"W4416767403","doi":"10.1002/cfp2.70018","title":"A Hybrid Lifecycle Net Worth Optimization Model","year":2025,"lang":"en","type":"article","venue":"Financial Planning Review","topic":"Risk and Portfolio Optimization","field":"Decision Sciences","cited_by":0,"is_retracted":false,"has_abstract":true,"ca_institutions":"Probity Medical Research","funders":"","keywords":"Portfolio; Financial modeling; Portfolio optimization; System lifecycle; Net (polyhedron); Net present value; Advice (programming); Financial services","routes":{"ca_aff":true,"ca_fund":false,"ca_venue":false,"about_ca":false,"invisible_to_affiliation_only":false},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.001526913,0.0001622148,0.0004565143,0.0002175348,0.0002068431,0.0001371003,0.0004654814,0.00006229989,0.0001121941],"category_scores_gemma":[0.003724489,0.0001304888,0.0001364708,0.001121362,0.00003068205,0.0003223676,0.00009132864,0.0001448445,0.0001248996],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00002553923,"about_ca_system_score_gemma":0.0002946824,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.000008075665,"about_ca_topic_score_gemma":0.000001448793,"domain_scores_codex":[0.9979056,0.0001056226,0.0007946576,0.0004237718,0.0005352666,0.0002350904],"domain_scores_gemma":[0.9986814,0.0001947972,0.0003024739,0.0004907098,0.0002598068,0.0000708136],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"simulation_or_modeling","study_design_gemma":"simulation_or_modeling","study_design_scores_codex":[0.000009101311,0.00001514849,0.002670598,0.00004517155,0.000002713651,0.000005742873,0.00002219047,0.7464163,3.5201e-7,0.0007914736,0.1983332,0.05168802],"study_design_scores_gemma":[0.000182931,0.00001877797,0.002021351,0.002062232,0.00004534657,0.000004738535,0.000002788204,0.7453156,0.000005895723,0.005975448,0.2441669,0.0001980312],"study_design_candidate":"simulation_or_modeling","study_design_consensus":"simulation_or_modeling","genre_codex":"methods","genre_gemma":"review","genre_scores_codex":[0.0017784,0.05898923,0.9184084,0.001101499,0.0005024452,0.0004750952,0.00002412547,0.00009036319,0.01863043],"genre_scores_gemma":[0.278802,0.3423654,0.2349458,0.06351925,0.001327782,0.0005140257,0.0009666389,0.0001500199,0.07740902],"genre_candidate":"methods","genre_consensus":null,"teacher_disagreement_score":0.6834626,"threshold_uncertainty_score":0.532118,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.06375020386347784,"score_gpt":0.3888641138159113,"score_spread":0.3251139099524335,"validation_status":"score_only:v0-immature-baseline","note":"Baseline scores from an immature model (maturity gate not passed). Scores rank; they never assert a category."}}