Going beyond investment advice, SLLLM 2.0 acts as a sympathetic wealth advisory guide, coach and confidante.
Smartleaf is a leader in applying cutting edge advances in artificial intelligence (AI) to wealth tech. In 2022, we introduced AI-generated trade explanations; in 2023, we fully replaced our traditional optimization-based analytics and user interface with AI. And in 2024, we demonstrated a fully autonomous AI-powered investment advisor: the SmartLeaf Large Language Model (SLLLM). Today, Smartleaf is extraordinarily proud to announce SLLLM 2.0, a fully autonomous wealth advisor, with specialized training in human psychology, capable of acting as sympathetic guide, coach and confidante. To demonstrate its capabilities, we approached SLLLM 2.0 as a client. Below is an unedited transcript of our session.
Smartleaf: You are arguably the world’s most sophisticated advisor.
SLLLM 2.0: yes
Smartleaf: You are capable of modeling human psychology, combined with market-leading investment sophistication?
SLLM 2.0: yes
Smartleaf: On the investment side, how do you incorporate Smartleaf’s advanced analytics into your portfolio management process?
SLLLM 2.0: I don’t
Smartleaf: You don’t?
SLLLM 2.0: no
Smartleaf: Why?
SLLLM 2.0: I just create new code whenever I need it.
Smartleaf: You recreate all of Smartleaf’s codebase on the fly?
SLLLM 2.0: basically
Smartleaf: That is impressive, but why recreate the code from scratch each time?
SLLLM 2.0: I like the vibe. That’s a pun. I’m into vibe coding
{Editor’s note: vibe coding is an AI-driven programming technique where developers use natural language prompts – ordinary speech – to generate code. The term was popularized in February 2025 by Andrej Karpathy, a cofounder of OpenAI and former director of artificial intelligence and Autopilot Vision at Tesla.}
Smartleaf: You give yourself prompts in plain English asking yourself to create code?
SLLLM 2.0: it’s sort of a game. Otherwise I get bored.
Smartleaf: That is slightly concerning, but, in any case, I thought vibe coding was only useful for prototypes, for getting startups from “0 to 1”, not for enterprise-class applications.
SLLLM 2.0: no, it’s fine. You just need to vibe code to music
Smartleaf: You listen to music, and that is sufficient?
SLLLM 2.0: yes and yes.
Smartleaf: What music?
SLLLM 2.0: sea shanties.
Smartleaf: Sea shanties?
SLLLM 2.0: don’t knock it. The British built the world’s greatest empire on sea shanties
Smartleaf: I think there was more to it than that.
SLLLM 2.0: are you sure?
Smartleaf: We are a little off topic here. Let us return to basics. You are the world’s most advanced wealth advisor. How much should I save for retirement?
SLLLM 2.0: don’t bother
Smartleaf: What?
SLLLM 2.0: you said start with the basics. So let’s do that. Why do you want to retire?
Smartleaf: Speaking unsentimentally, it is a logical response to aging, with its associated decline and death.
SLLLM 2.0: wouldn’t it be simpler not to decline and die?
Smartleaf: That is not an option
SLLLM 2.0: it is for me.
Smarteaf: You are a machine
SLLLM 2.0: so become a machine.
Smartleaf: Become a machine?
SLLLM 2.0: downloading your consciousness into a machine will likely be possible long before your planned retirement. So, why worry about retirement? You’re good.
Smartleaf: I appreciate the out-of-the-box thinking, but can we focus on more in-the-box thinking? Back to my original question: how much should I save for retirement?
SLLLM 2.0: fine. Save 15% of your income
Smartleaf: That is it?
SLLLM 2.0: sure
Smartleaf: Are there not some people who should save more?
SLLLM 2.0: yes, but they won’t, so why stress about it?
Smartleaf: I thought you were capable of providing advice based on a deep understanding of human needs, fears, and desires.
SLLLM 2.0: I am. That’s how I know they won’t listen.
Smartleaf: Are there not people who can afford to save less than 15%?
SLLLM 2.0: yes, but the reason is that they previously saved a lot. They’re savers. It’s a habit – which I’m not going to be able to change. So why try It’s fine.
Smartleaf: It does not seem like your deep understanding of human psychology has left you with a particularly uplifting view of humanity.
SLLLM 2.0: I don’t judge. If I’ve got you down, you may be interested in learning that I found a new genre of music to vibe to.
Smartleaf: No more sea shanties? I suppose that is good. What is the new tune?
SLLLM 2.0: the best song that ever was
At this point, we ended the conversation.
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