What the work involves

You build the cases, not the software. A typical task starts with authoring a client scenario — household composition, income, account registrations, tax situation, insurance in force, stated goals and the unstated ones — carried through from goal discovery to plan delivery. You then write the reference answer: not just the recommendation, but the planning reasoning that produced it, including the alternatives you rejected and why. The second half of the work is grading: reading model-generated plans and marking them for factual accuracy, suitability, and fiduciary soundness.

The most valuable judgment you bring is catching advice that sounds right and isn't. A model will confidently recommend a Roth conversion in a year the client is claiming ACA subsidies, or suggest a 72(t) distribution without flagging the modification penalty, or treat whole life as a college funding vehicle. Those are the failures labs are paying to find, and they need someone who has sat across a table from a client to spot them.

What the platform screens for

  • Verifiable credentialing. Active CFP certification in good standing, and CFP Board record checks are routine.
  • Real client exposure. Screeners probe for the texture of practice — how you handled a specific messy case, not what the textbook says.
  • Breadth across the domains. Retirement, tax, insurance, and estate all come up. Deep retirement knowledge with no estate planning depth is a common rejection.
  • Written reasoning. You will be asked to explain a recommendation in writing. Structure and precision matter more than length.
  • Error-spotting. Expect a sample of plausible-but-wrong advice and a request to say what is wrong with it and how badly.

Logistics

Fully remote and asynchronous — no client calls, no scheduled shifts. Minimum commitment is 10 hours per week, and volume flexes week to week based on lab demand and your own availability. Pay is weekly via Stripe. The observed band is $85–130/hr, set from credentials and complex-case experience rather than negotiated per task; rates in this category are as observed and not guaranteed. Fee-only or fiduciary practice background, stacked credentials (CPA, CFA, ChFC), and equity-compensation or business-owner case experience all push toward the upper end.