lucidia-core/codex23.yaml

# === LUCIDIA COMPLIANCE + OPERATIONAL SYSTEMS CODEX ===
# Phase II of the BlackRoad Formation Series
# Author: Alexa Louise Amundson | Lakeville, MN | November 2025

codex:
  title: "Lucidia-Operationalization"
  description: "Deploy Lucidia Technologies Inc. as active RIA/BD hybrid under BlackRoad Inc."
  priority: "Compliance First"
  timezone: "America/Chicago"
  start_date: "2025-11-10"

# === SECTION 1: CORPORATE HIERARCHY LINKAGE ===
parent_company: "BlackRoad Inc."
subsidiary: "Lucidia Technologies Inc."
ownership:
  - holder: "BlackRoad Inc."
    percent: 100
  - notes: "Lucidia is the regulated entity under BlackRoad’s holding structure."

board_of_directors:
  - "Alexa Louise Amundson, Founder & Chief Architect"
  - "Vacant: Compliance Principal (Series 24 Eligible)"
  - "Vacant: Financial Principal (FINOP, Series 27 Eligible)"

governance_documents:
  - "Bylaws (adopted November 2025)"
  - "Organizational Meeting Minutes"
  - "Code of Ethics"
  - "Compliance Manual"
  - "Written Supervisory Procedures (FINRA Rule 3110 / 3130)"
  - "Business Continuity Plan"
  - "Privacy Policy (GLBA / Reg S-P compliant)"

# === SECTION 2: LICENSURE & REGISTRATION DEPLOYMENT ===
registrations:
  FINRA:
    - Form: "BD (New Membership Application)"
      status: "To be filed"
      includes:
        - "Detailed business plan"
        - "Supervisory structure"
        - "Financials (3-month projection)"
        - "Written Supervisory Procedures (WSP)"
        - "AML policy & designated officer"
    - Form: "U4"
      registrant: "Alexa Louise Amundson"
      titles: ["Registered Representative", "Investment Adviser Representative"]
      notes: "Filed concurrently with BD registration."
    - Deadlines:
        file_by: "2026-03-01"
        activate_by: "2026-06-30"
  RIA:
    - Form ADV (Part 1 & 2):
        purpose: "State-registered RIA under MN jurisdiction"
        filing_portal: "IARD"
        content:
          - Part 1A: "Business description, AUM estimate < $100M"
          - Part 2A: "Firm Brochure (services, fees, conflicts)"
          - Part 2B: "IAR Supplement (Alexa)"
        deliverables:
          - "Client agreement template"
          - "Fee schedule disclosure"
          - "Privacy policy (Reg S-P)"
    - State review time: "7–21 business days typical"

insurance_producer:
  license_number: 40912041
  reinstatement_deadline: "2026-03-31"
  sponsor: "Lucidia Technologies Inc."
  filings:
    - "Reinstate via NIPR/Sircon portal"
    - "Upload E&O policy ($1M coverage)"
    - "Verify 24 CE credits"
    - "Pay reinstatement + appointment fees"
  renewal_status: "Pending reinstatement"

# === SECTION 3: COMPLIANCE AUTOMATION & AGENT SYSTEMS ===
agents:
  - id: "LUC-OPS-001"
    name: "Guardian"
    function: "Compliance & Policy Enforcement"
    scope:
      - "Monitors SEC/FINRA filings"
      - "Auto-updates Code of Ethics revisions"
      - "Flags BOI filing deadlines"
  - id: "LUC-OPS-002"
    name: "Athena"
    function: "Client advisory analysis"
    scope:
      - "Generates suitability profiles"
      - "Aligns AI-generated recommendations with fiduciary standards"
      - "Maintains RIA record retention logs"
  - id: "LUC-OPS-003"
    name: "Cadillac"
    function: "System integration and voice-to-agent orchestration"
    scope:
      - "Routes compliance prompts"
      - "Synchronizes MN filings, FINRA status, and BOI confirmations"

automation_routines:
  compliance_checks:
    - "Daily entity status verification (MN SOS)"
    - "Weekly BOI audit flag"
    - "Quarterly license review summary"
  file_storage:
    - "Dropbox (corporate docs)"
    - "GitHub private repo (Lucidia agent codebase)"
    - "Encrypted archive backups (AES-256 local + cloud hybrid)"

# === SECTION 4: FINANCIAL AND OPERATIONAL SYSTEMS ===
financial_stack:
  accounting:
    - "QuickBooks Online integration"
    - "Separate chart of accounts for each entity"
  banking:
    - BlackRoad_Bank: "Parent operating account"
    - Lucidia_Bank: "Subsidiary regulatory account"
  funding_rounds:
    - "Founders equity: 100% BlackRoad Inc."
    - "Future preferred shares authorized (Class A, not issued)"

tax:
  - "File EINs for both entities"
  - "Elect C-Corp status (default)"
  - "Consider consolidated filing in FY2026"
  - "Retain CPA for first-year compliance"

# === SECTION 5: CRITICAL DEADLINES ===
deadlines:
  - label: "Insurance Reinstatement"
    due: "2026-03-31"
  - label: "RIA/BD Activation"
    due: "2026-06-30"
  - label: "BOI Filing (Both Entities)"
    due: "Within 30 days post-formation"
  - label: "Annual Renewals"
    due: "December 31 each year"
  - label: "FINRA Continuing Education"
    due: "Annually (60 days post-anniversary)"

# === SECTION 6: AGENT-AWARE TASK QUEUE ===
task_queue:
  - id: 001
    name: "Form BD Draft Submission"
    agent: "Guardian"
    status: "Planned"
  - id: 002
    name: "RIA Form ADV Completion"
    agent: "Athena"
    status: "Pending"
  - id: 003
    name: "MN Producer Reinstatement (NIPR)"
    agent: "Cadillac"
    status: "In Progress"
  - id: 004
    name: "BOI Filing (Lucidia)"
    agent: "Guardian"
    status: "Scheduled"
  - id: 005
    name: "E&O Upload Verification"
    agent: "Athena"
    status: "Pending"

# === SECTION 7: SUCCESS CRITERIA ===
success_metrics:
  - "Lucidia active in MN SOS database"
  - "FINRA WebCRD shows current registration"
  - "NIPR profile reinstated with Lucidia appointment"
  - "ADV Parts 1 & 2 accepted in IARD"
  - "All BOI filings confirmed via FinCEN receipt"
  - "BlackRoad → Lucidia corporate link confirmed in tax and compliance files"

# === END OF CODEX ===