Risk Runners Presents

Proactive Wealthcare

Healthcare's data standard, repurposed to manage the two things that actually measure a life — your time and your money.

Proof of concept — not investment advice. Wealthcare is an educational, proof-of-concept demonstration using deterministic, hypothetical modeling. A real deployment offering personalized financial guidance would require an SEC no-action letter, or would have to restrict access to accredited investors. Read the full disclaimer.

Time, money, and the one thing that makes them matter

How you spend your time and your money is the measurable signal of a life. Those signals stream in as observations — but without an objective to anchor them to, all of this is for naught.

Time

A calendar feed turns how you spend your hours into time observations — meetings, workouts, golf, focus blocks. Measured in minutes, coded, and streamed into the record.

Money

A bank and transaction feed turns how you spend your dollars into money observations — classified against Merchant Category Codes and streamed in the same way as time.

Objective

Without an objective, all of this is for naught. Objectives come from the account.ninja goal-gamification tool; its exported timeline is run through the report pipeline to produce an immunized goal-funding baseline. Only once anchored to a goal do time and money become meaningful.

How it works, in one diagram

No magic, no black box. Signals flow from your feeds, get normalized against FHIR resources, anchor to an objective, and end with a human in the loop.

  1. Calendar + Bank feeds
  2. AI / LLM extraction
  3. Observations
  4. FHIR resources (HAPI FHIR)
  5. account.ninja objective
  6. Immunized baseline
  7. RiskAssessment
  8. Syndication to a human

What this is / isn't

Proof of concept — not investment advice. Wealthcare is an educational, proof-of-concept demonstration using deterministic, hypothetical modeling. It is not investment advice and recommends no securities, allocations, or changes to any financial plan. Figures shown are illustrative representative data, not projections of real returns. A real deployment that offered personalized financial guidance would require an SEC no-action letter, or would have to restrict access to accredited investors — a significant regulatory hurdle that this proof of concept does not clear. Risk, health, and financial figures are illustrative and are not medical, actuarial, or financial determinations.