Investment Policy Statement (IPS) Generator

Codify a household's, fiduciary's, institution's, or fund's investment policy into a defensible IPS document — the policy itself, distinct from the plan that drives it (Financial Plan Constructor) and the rebalance / harvest execution that follows it (Tax-Aware Portfolio Rebalancer / Tax-Loss Harvesting Identifier). Output is a versioned, signed-or-signable IPS deliverable with: investor profile and risk tolerance, return objective and risk tolerance reconciled (return-required vs. return-able-to-take), liquidity and time-horizon constraints, tax and legal constraints, unique circumstances, strategic asset allocation with target weights and corridor bands, permitted / restricted / prohibited investments, rebalance discipline, manager / vehicle / cost discipline, monitoring cadence and review triggers, governance and authority, fiduciary scope and standard of care, and audience-matched signature block. Built to satisfy CFA Institute IPS guidance, CFP Board Practice Standards, ERISA §404(a) for plan fiduciaries, UPMIFA for endowments, OCIO governance for institutions, family-office / individual / institutional / plan / non-profit / municipal-pool / Taft-Hartley / insurance-general-account audiences. Designed to anticipate Marketing Rule 206(4)-1 scrutiny, SEC 2026 exam-priority focus on AI-marketing claims, and DOL Retirement Security Rule / PTE 2020-02 for any rollover-into-the-policy embedded.