Capabilities
Everything Formation does.
Organized the way your life is.
The full map — every domain, every shipped capability — for self-directed high-net-worth households running their own money across multiple custodians, entities, and tax situations. Each line traces to its source.
Net Worth & Balance Sheet
- Entity-organized net worth — trust · LLC · joint · personal
- Treemap across asset class · entity · account · liquidity
- Cost basis & unrealized gain, per entity
- Real net-worth history, forward-filled and cited
- Liquidity tiers — cash → liquid → illiquid
- Debt & payoff planner (pay-vs-invest)
- Printable, citation-styled net-worth report
Cashflow
- Income → category Sankey
- Recurring-bill calendar & drift alerts
- Budget targets with a savings-rate dial
- Transaction splits & auto-categorization
- Variable-income smoothing (coefficient-of-variation aware)
- Amazon order-level itemizer
- 24-month income / expense series
Investments
- Allocation unified across every brokerage
- Asset-location optimizer — taxable · tax-deferred · Roth
- Time-weighted return vs benchmark (S&P · NASDAQ · Dow · Russell · EAFE · Agg Bond)
- Dividend, fee & expense-ratio analysis
- Holdings drill-down + security master
- Private-fund capital-call calendar
- Live markets + a rebalance modeler
Equity Comp
- RSU · ISO · NSO · ESPP · RSA across every employer
- Vesting timelines — current and prior employers
- AMT-aware exercise planner (ISO ladder + tank gauge)
- Concentration risk translated to an outcome
- QSBS 5-year clock, flagged per lot
- Lock-up / blackout / 10b5-1 awareness
- 83(b) clock · double-trigger RSUs · 409A deferred comp
Tax
- Multi-year marginal-rate cockpit (2026 brackets)
- The real-vs-22% withholding gap
- Cross-custodian wash-sale-aware TLH
- Backdoor & mega-backdoor Roth tracker
- K-1 ingestion · multi-state exposure · AMT preview
- QSBS eligibility & exclusion estimate
- Quarterly estimates, safe-harbor (110%) & a year-end wizard
Wealth Transfer & Estate
- Flags gift-before-step-up windows on low-basis shares
- GRAT & a vehicle library
- QSBS stacking via non-grantor trusts
- Beneficiary & titling audit — it overrides the will
- Basis-step-up-vs-carryover analyzer
- Entity-ownership & succession flow charts
- $15M exemption, with an optional “what if the law changes” stress test
Planning & Forecast
- Monte Carlo net-worth forecast
- Scenario stress tests, with goal targets as projection milestones
- Liquidity-event playbook — IPO · M&A · tender · secondary
- Education / 529 projection
- Retirement projection (incl. the §72(t) / SEPP bridge)
- Insurance gap analysis
Real Estate
- Rent AVM & property records (RentCast)
- Market stats & comparable sales
- Investment-property flagging
- Mortgage detail & equity tracking
- Portfolio comparison across properties
Entity & Household
- Entity model — trust · LLC · S-Corp · holdco
- Multi-custodian aggregation (via Plaid, built for 3+)
- Professional-team coordination — CPA · attorney · advisor
- Members & beneficiaries
- Document vault — grants, trusts, K-1s, statements
- Spouse-level privacy — hidden accounts never leave the browser
AURA — the assistant
- Voice + text agent grounded in your real financial graph
- Cites every number — sourced · computed · estimated · stale
- Cross-session household memory
- Moments — named flows with deadline countdowns
- Actions over $5,000 become a trade list you run yourself
- Education-only — never executes, never an AUM fee
Trust Layer — ingestion & provenance
- Statement parsing — PDF · CSV · OFX · QFX · photo
- K-1 · 1099 · tax-return · equity-doc · insurance · benefits parsers
- Reconciliation queue — drift, duplicates, new accounts
- Provenance badges on every hero figure (SRC · CALC · EST · STALE)
- Citation drawer — click any number to open its source
- Daily automated citation-regression tests
Every figure shows its work — measured, calculated, or estimated, with the assumption named. Formation tracks, shows, models, and flags; it does not execute, move money, or give investment, legal, or tax advice.
The whole picture — in one place.
Founding price $17.99/mo or $199/yr $29.99/mo list — locked for as long as you stay.
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