Chief AI Officer advisory for startups: model build-vs-buy calculator (API vs fine-tune vs build with 3-year TCO across 6 paths + breakeven that balances economics with practical feasibility), AI risk classifier (EU AI Act tier with 7 Article citations + US state patchwork: NYC LL 144, CO AI Act, IL HB 53, CA SB 1001, IL BIPA + industry overlays for FDA AI/ML, CFPB Circular 2023-03, NYDFS Reg 23, NAIC, ECOA, Fed SR 11-7), AI cost economics (API vs self-hosted breakeven with 2026 pricing across A100/H100, utilization reality, hidden costs). 4 in-depth references each citing 5+ authoritative sources. Standalone-installable; also bundled in c-level-skills. Strategic only — does not duplicate engineering AI/ML skills.