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2025 Fiduciary Audit
Strategic Diagnostic #JN-8921-X
The Scorecard
2025 Efficiency Audit
Strategy Simulation
We ran your transaction history against the three standard management protocols.
The Data proves Pathway 3 (Juno) yields the highest Net ROI.
| Protocol | Approach | Financial Return | Time Cost | Net Efficiency |
|---|---|---|---|---|
| Pathway 1: Minimalist |
Cancel premium cards. Use 2% Cash Back only. |
$800 / yr | 0 hrs | Low |
| Pathway 2: Hacker |
Keep all cards. Manual spreadsheet tracking. |
$2,400 / yr | 40 hrs ($2k cost) | Negative |
|
Pathway 3: Fiduciary
Recommended
|
Keep high-ROI cards. Automate tracking. |
$2,400 / yr | 2 hrs | Maximum |
Takes ~3 minutes • Dollar-value results • Secure, read-only
• All insights are independent, unbiased, and actionable.
• Benefit enrollments and expiration alerts are tracked where applicable.
• We never sell your data. Audit is independent & secure.
Phase 1: Audit Findings (Stop the Bleeding)
The Kill List
(Cards to downgrade or cancel)
Recommendations based on Pathway 3 (Fiduciary): Recommendations below are optimized for maximum financial return with minimal time investment.
⚠️ CREDIT SCORE PROTECTION: We recommend downgrading instead of canceling to protect your credit score. Canceling cards can drop your score 20-100 points.
| Card Name | Annual Fee | Value Used | Recommended Action | Credit Impact |
|---|---|---|---|---|
| Amex Platinum | $895 | $200 | 🟡 DOWNGRADE to Amex EveryDay | None |
| Chase Sapphire Reserve | $795 | $400 | 🟢 KEEP (Strong value) | N/A |
| Venture X | $395 | $300 | 🟢 KEEP (Good value) | N/A |
| Citi Strata Premier | $95 | $80 | 🟢 KEEP (Marginal value) | N/A |
| Bank of America Cash Rewards (Manual entry — data provided by you) | $0 | $120 | 🟢 KEEP (Good value) | N/A |
Analysis based on 12 months of transaction history and benefit usage patterns. Cards marked "(Manual entry)" were provided by you; all recommendations include both Plaid-connected and manual-entry cards.
Downgrade Instructions:
- Amex Platinum → Amex EveryDay: Call 1-800-528-4800, request "product change"
- Keeps account open = No credit score impact
- Eliminates $895 annual fee
- You can always upgrade later if needed
Only Cancel a Card If:
- ✓ You have 5+ other credit cards
- ✓ Your credit utilization is under 10%
- ✓ You have other cards 5+ years old
- ✓ You're not applying for a loan in next 12 months
⚠️ Canceling Amex Platinum would:
- • Remove $25,000 in available credit
- • Increase your utilization ratio
- • Potentially drop your credit score 30-80 points
The Friction Audit: Marketing vs. Reality
Banks value perks at full retail price. We devalue them based on crowding, availability, and difficulty.
📉 The "Hoarding Tax" (Opportunity Cost)
You are holding 207,000 Points ($3,105 value).
Comparing this to a Market Standard Cash Card invested in the S&P 500:
Missed Benefits: Unclaimed Money
Amex Airline Fee Credit
$200 annual credit for incidental fees
Action: Select an airline and use for baggage fees, seat selection, or lounge day passes.
Amex Uber Credit
$15/month ($180/year) Uber Cash
Action: Add to Uber account monthly or use for Uber Eats orders.
Chase Travel Portal Bonus
25% bonus redemption value
Action: Redeem points through Chase Ultimate Rewards portal instead of cash back.
Global Entry Credit
$100 credit every 4 years
Successfully used in March 2025.
Total Unclaimed Value: $380 in unused credits and missed redemption opportunities.
Phase 2: Execution (The Fix)
Your Action Plan
Priority 1: Downgrade Amex Platinum
(Save $895/year) | Estimated time: 15 minutes | Credit score impact: None
Steps:
- Call Amex: 1-800-528-4800
- Say: "I'd like to do a product change from Platinum to EveryDay"
- They may offer a retention bonus - see our script below
- If they offer $300+ statement credit, consider keeping one more year
- If not, proceed with downgrade
Expected outcome: $895/year saved, account stays open
Priority 2: Activate Quarterly 5% Categories
(Earn $120/year more) | Estimated time: 5 minutes per quarter | Credit score impact: None
Steps:
- Log into Chase.com quarterly (Jan 1, Apr 1, July 1, Oct 1)
- Activate 5% bonus categories for Chase Sapphire Reserve
- Set calendar reminder for next quarter
- Use Chase Sapphire Reserve for those categories
Expected outcome: $120/year additional rewards
Priority 3: Claim Missed Uber Credits
($180/year) | Estimated time: 2 minutes per month | Credit score impact: None
Steps:
- Link Amex to Uber account (before downgrading)
- Use $15/month Uber Cash by end of each month
- Works for Uber rides or Uber Eats
Expected outcome: $180/year recovered (until you downgrade Platinum)
Total Annual Value Recovered: $995
Total Time Required: ~30 minutes one-time + 10 min/month ongoing
Retention Offer Script
When downgrading Amex Platinum, use this script to negotiate:
YOU:
"Hi, I'm calling to downgrade my Platinum card to the no-fee EveryDay card. I've been a member for [X] years but I'm not using enough of the benefits to justify the $895 annual fee."
AMEX:
"Let me see what I can offer you..."
Common Retention Offers:
- • 30,000-50,000 bonus points ($300-500 value)
- • $200-300 statement credit
- • Annual fee waived for one year
Decision Framework:
- • If they offer $300+: Consider keeping one more year
- • If they offer $100-299: Politely decline and proceed with downgrade
- • If they offer nothing: Proceed with downgrade
Remember: You can always upgrade back later if your spending changes.
Phase 3: Future Growth
Spending Optimization
Your Top Categories (Last 12 Months):
- • Dining: $8,400/year (32%)
- • Travel: $7,280/year (28%)
- • Groceries: $4,800/year (18%)
- • Everything else: $5,720/year (22%)
Current Card Setup Analysis:
Dining ($8,400/year):
- • Current: Citi Strata Premier (2x) = $168 rewards
- • Optimal: Chase Sapphire Reserve (3x) = $252 rewards
- • Gap: -$84/year
Travel ($7,280/year):
- • Current: Amex Platinum (5x on flights) = $364 rewards
- • Optimal: Already optimized
- • Gap: $0
Groceries ($4,800/year):
- • Current: Citi Strata Premier (2x) = $96 rewards
- • Optimal: Amex Gold (4x) = $192 rewards
- • Gap: -$96/year
Recommended Card Strategy After Downgrade:
- Keep Chase Sapphire Reserve for dining and travel (3x, 2x)
- Keep Venture X for general spending (2x)
- Keep Citi Strata Premier for everyday purchases (2x)
- Downgrade Amex Platinum to Amex EveryDay (no fee)
- Consider adding Amex Gold if you spend $500+/month on groceries
Total Optimization Opportunity: $180/year in additional rewards
Upgrade Opportunities — Increase Your Card Value
Juno identifies cards where upgrading can increase your net rewards or unlock additional benefits. Recommendations are based on your current cards and financial strategy.
All upgrades are suggestions; you remain in full control.
Recommendations based on Pathway 3 (Fiduciary): Upgrade recommendations below are optimized for maximum financial return with minimal time investment.
| Current Card | Suggested Upgrade | Net Value Change | Pathway Alignment | Action |
|---|---|---|---|---|
| Citi Strata Premier | ⬆ Citi Strata Elite | +$180/year | Pathway 3 (Fiduciary) |
Apply Direct ↗
✔ No Commission Link
|
| Chase Sapphire Preferred (Manual entry — data provided by you) | ⬆ Chase Sapphire Reserve | +$95/year | Pathway 3 (Fiduciary) |
Apply Direct ↗
✔ No Commission Link
|
ℹ️ Upgrade Analysis: Recommendations are based on your spending patterns and selected strategy. Net value change accounts for increased annual fees and additional benefits you're likely to use.
This is a Fiduciary Diagnostic example. Your actual audit will be generated after connecting your accounts and analyzing your transaction history.
Important Disclaimers
Credit Score Impact:
This report includes recommendations that may affect your credit score. We prioritize downgrading over canceling to minimize credit score impact. However, any decision to modify or close credit accounts is made solely by you. Juno Auditor is not responsible for credit score changes.
Financial Advice:
This audit is based on mathematical analysis of fees vs. benefits used. It is not personalized financial advice. Consult a financial advisor if you have specific questions about your credit or financial situation.
Audit Example:
This is a Fiduciary Diagnostic example for demonstration purposes. Your actual audit will be based on your real transaction data and may differ significantly.
Confidentiality:
This report contains sensitive financial information. Do not share publicly.