Macro regime classifier. Scenario stress testing. Heuristic scorecards grounded in Buffett-Munger, Graham and Lynch — with a why-line on every rule. Built for investors who must survive bad decades, not just beat good ones.
Free with Aethelgard Sovereign or Corporate — £499/year standalone. 7-day free trial.
Value at £499/year
The macro regime classifier and named-framework scorecards are the foundation. These four are why the standalone tier sits where it does.
Five-tier sell ranking — harvest loss → ISA sale → unwrapped within Annual Exempt Amount → beyond AEA. Section 104 cost basis on partial sells. Bed-and-breakfast-safe replacement candidates picked from your own existing universe.
Detects when allocation breaches your target bands. The trade proposer orders sells by tax tier — harvest opportunities first, defer realisations on appreciated positions. Illiquid sleeves (property, private credit) surface drift but suppress trade proposals.
AI-composed six-page PDF: regime change since last quarter, drift summary, CGT exposure, action items carried forward. Snapshot-immutable per quarter — re-running upserts within the quarter, prior quarters stay locked.
No Anthropic account to set up, no key to paste, no billing to manage. Rate-limited per licence (60/hour, 200/day) with a per-call max-token cap. BYOK opt-in remains for power users with their own API budgets — switching is instant.
Why we built it
Trackers tell you what your portfolio did last quarter. Robo-advisors tell you what some opaque model thinks you should buy. Sentinel sits between the two: macro regime awareness, sensitivity stress with leverage amplification, and named-framework heuristics — every output cited, every confidence level shown, "do nothing" treated as a first-class recommendation.
What it does
Eight named regimes from a five-factor FRED ingest — yield curve, real policy rate, credit spreads, financial conditions, core inflation. Every factor shows the band, the why-line, and the citation date.
Total market value, allocation by asset class / currency / country / sector, concentration metrics (HHI, effective N), top-10 holdings — all FX-normalised to your base currency.
Three curated historical events — 2008 credit crunch, 1970s inflation shock, 20–30% property correction. LTV-aware leverage amplification on the property sleeve (net equity at risk, not just gross MV), parameter sensitivity sweeps, and a cited source for every scalar applied.
Per-security grading against Buffett-Munger, Graham and Lynch. Every rule shows threshold, your value, verdict, and a 100-word why this rule exists. Missing inputs are reported as not-scored — never fabricated.
Local SQLite vault on your own machine with AES-256-encrypted backups. AI features are opt-in and route through a sanitisation layer that strips identifiers — raw position data never leaves the device; AI calls send only sanitised, anonymised aggregates.
Every AI summary uses the Known / Likely / Wrong / Do pattern — facts cited, confidence levels shown, dissenting views surfaced, "do nothing" justified when that's the right call.
Encoded frameworks
Sentinel doesn't invent its own scoring. Every rule is named — Buffett-Munger ROIC ≥ 15%, Graham P/E ≤ 15, Lynch PEG ≤ 1 — with the threshold, your value, the verdict, and a plain-English explanation of why the rule exists.
ROIC ≥ 15%, ROE ≥ 15%, Debt/Equity ≤ 0.5, FCF positive 5 of 5 years, profitable 9 of 10 years. Quality of the business and balance sheet.
P/E ≤ 15, P/B ≤ 1.5, Current ratio ≥ 2, Long-term debt ≤ Current assets, profitable 10 of 10 years. Pay below intrinsic value with a working-capital cushion.
PEG ≤ 1, EPS growth ≥ 10%, P/E ≤ 20, Debt/Equity ≤ 0.5. Growth justifies the multiple — but only if the balance sheet survives the recession.
Plus an eight-factor macro regime classifier and three curated stress scenarios — every score, every drawdown, every recommendation cites its source.
Pricing
Free for Sovereign and Corporate Aethelgard licence holders — no separate subscription.
Sovereign or Corporate Aethelgard licence holders — annual or lifetime — get Sentinel at no extra cost. Personal-tier holders need to upgrade to Sovereign first.
AETHG-… keyFor investors who want the decision engine without the multi-entity ledger. 7-day free trial, then annual subscription billed once a year.
Frequently asked
When you launch Sentinel for the first time, paste your Aethelgard licence key (the one that starts with AETHG-). The app validates it offline against the same shared secret that signs Aethelgard keys — no network call, no account required. Personal-tier keys are rejected by Sentinel; standalone subscribers get a different key starting with SENTI- after purchase.
No. Sentinel provides analytics and scenarios, not regulated investment recommendations. The classifier names a regime — it does not tell you what to buy. The heuristic scorecard grades a security against named frameworks — it does not name the security as "buy" or "sell". There is no automated trade execution, ever.
Sentinel uses live data from FRED, Yahoo Finance and (optionally) Anthropic — all of which have ongoing operating cost. Annual is the honest pricing. If you'd rather make a single payment, an Aethelgard Sovereign or Corporate Lifetime licence includes Sentinel for free, forever, plus the multi-entity wealth ledger.
FRED (St Louis Fed) for the macro regime factors — free, no rate limits, you supply your own API key from fred.stlouisfed.org. Yahoo Finance for FX and security prices — free, no key needed. SEC EDGAR for fundamentals on US securities. All responses are cached locally with an end-of-day refresh policy, so the app remains useful offline.
Only if you turn AI on (it's off by default), and only after the on-device sanitiser strips identifiers and aggregates positions. Names, account numbers and ISIN-level data never leave your machine — the sanitiser leak-test suite fails the build if any allow-listed shape leaks an ID. Inference runs two ways: the managed key included with your licence (requests route through our proxy to Anthropic, rate-limited per licence; the proxy logs only a hashed licence, model, and token estimate — never content), or bring your own Anthropic key and pay for inference directly. Either way it's off by default and you can disable it at any time — see the privacy policy for exactly what is sent.
Windows-only at launch, matching Aethelgard's current platform support. Mac is on the roadmap once both products' Mac builds are ready — drop your email above to be notified.