{"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":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.0009974954,0.0005369341,0.0006359369,0.0005425274,0.0002386951,0.001570514,0.001151703,0.001258355,0.004239205],"category_scores_gemma":[0.001550353,0.0003031181,0.000627632,0.0006373671,0.0006625623,0.00119612,0.0008857484,0.001090564,0.0003047132],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.001534884,"about_ca_system_score_gemma":0.00117157,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.005726586,"about_ca_topic_score_gemma":0.002876875,"domain_scores_codex":[0.9996313,0.0001584488,0.00001410084,0.00006476646,0.00008335027,0.00004816157],"domain_scores_gemma":[0.9995199,0.0002710976,0.00006298088,0.00001875103,0.00007596378,0.0000511756],"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":[0.00002111115,0.00002745704,0.0005942844,0.00004326062,0.00002886526,0.00007884557,0.00003579768,0.8691148,0.0001420387,0.1190782,0.001546971,0.00928841],"study_design_scores_gemma":[0.000009480497,0.00001531326,0.0001773532,0.00001619195,0.000008913454,0.00001859303,0.00001436347,0.9592707,0.00005211918,0.03872386,0.001687054,0.000006135464],"study_design_candidate":"simulation_or_modeling","study_design_consensus":"simulation_or_modeling","genre_codex":"methods","genre_gemma":"empirical","genre_scores_codex":[0.09514818,0.002910777,0.8296021,0.003573675,0.0001141098,0.0001117293,0.0007646913,0.000183951,0.06759083],"genre_scores_gemma":[0.9202403,0.001501277,0.05209644,0.0002268496,0.00006379705,0.0001898068,0.0004513712,0.00004167884,0.02518839],"genre_candidate":"empirical","genre_consensus":null,"teacher_disagreement_score":0.005726586,"threshold_uncertainty_score":0.01418155,"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."}}