An RSU vest isn’t one decision.
It’s five.
Equity, tax, concentration, cash, estate — one event ripples through all of them. Formation is the one place that connects them, so you can manage it yourself: organized by entity, across every custodian, every number showing its work.
Founding price $17.99/mo or $199/yr $29.99/mo list — locked for as long as you stay.
Or look first: the demo is a sample household — RSUs, ISOs, a pre-IPO position, a working spouse with her own grants. No account, no card.
Single-stock concentration · NVDA
AMT headroom
$92,400
ISO spread before crossover
Next 18 mo · vesting
$1.24M · RSU + ISO
Concentration CALC from holdings · AMT headroom EST at your marginal rate · Formation does not execute.
Five professionals. None of them sees the whole thing.
You do — at midnight, in Excel.
A CPA you talk to in March — after the moves are already made.
RSUs in the employer portal. Everything else in a spreadsheet.
The 22%-vs-37% withholding gap you discover in April.
The pieces exist. Nothing connects them. That’s the whole problem — and it’s the whole product.
Your life isn’t organized by “investments” and “taxes.”
It’s organized by events.
A single RSU vest touches four domains at once. Aggregators show you balances. Your advisor sees a slice. Formation connects the consequences.
One event
An RSU vest lands.
4,000 shares. ~$520,000. One line in your employer portal — and four consequences nobody connects.
Four domains light upYour withholding defaulted to 22%. Your real marginal rate is 37%. The gap becomes an April surprise — unless it's modeled now.
Your single-stock concentration just got worse. More of your net worth now rides on one ticker — surfaced the moment it happens.
You owe tax on income you never took as cash. Formation sizes the reserve and models the bridge before the bill lands.
Those low-basis shares could be gifted before a step-up. The option is surfaced — to take to your attorney, never executed for you.
Built around the moments that actually move your net worth.
Each is a named flow with a countdown — what it connects, and the deadline on the clock.
Liquidity event
FlagshipIPO, acquisition, tender, secondary. The one playbook that sequences QSBS, lock-ups, exercise ladders, and estate moves — in order, with the deadlines.
Exercise decision
ISO or NSO? Formation models the AMT, the cash you'll need, and the QSBS clock you'd start — so you can take real numbers to your CPA.
Diversification
Most of your wealth in one stock. Formation lays out the options — 10b5-1 schedule, collar, exchange fund, CRT — and shows the tax cost of each. It never tells you to sell.
Formation models the options and the deadlines. It does not recommend securities, execute trades, or move money — coordinate with your CPA and attorney.
Your company files to go public.
Here’s everything that lights up — in order.
- 1AURA · MomentsYou
flags a liquidity event approaching and opens the playbook before the window matters.
- 2Liquidity Event PlaybookYou
lays out the pre-event phase — every move, in order, each with its deadline.
- 3Exercise PlannerYou · CPA
models the multi-year ISO exercise ladder to fill the AMT tank without crossing over.
- 4QSBS moduleCPA
confirms eligible lots and the exclusion estimate — and flags California's non-conformity.
- 5Vehicle LibraryAttorney
surfaces a zeroed-out GRAT on appreciating pre-IPO shares as an option, before the valuation step-up.
- 6Liquidity PlanningYou
sizes the tax reserve and models an SBLOC bridge so shares aren't dumped at lock-up expiry.
- 7Diversification ModelerYou
stages the post-lock-up 10b5-1 schedule and shows the tax cost of each path.
- 8HouseholdCPA · Attorney
shows your CPA and attorney exactly what's outstanding, and by when.
One event. Eight surfaces. One ordered plan.
Every step models, confirms, surfaces, or sizes — Formation does not execute. Coordinate with your attorney and CPA.
The full capability map — every domain, every shipped feature
Formation doesn’t manage your money.
It makes you impossible to surprise.
What it isn’t
- A registered investment adviser
- A money manager
- A product seller
- Your advisor
- A place that ever moves or trades your money
What it is
- Entity-organized truth across every custodian
- Every number shows its work — measured, calculated, or estimated, with the assumption named
- A clear plan you take to the CPA and advisor you already have
Every figure carries its source — measured, calculated, or estimated — and names the assumption behind it. No black boxes. No “trust us.” How we compute and cite every number →
Ask it anything about your household. It answers on your numbers — and remembers.
It remembers. Ask a follow-up next month and AURA recalls the thread — your grants, your lots, the assumptions you set.
A voice front door. Ask hands-free and AURA answers out loud, cited the same way (rolling out).
What you’re using now — and what you’re missing.
| Excel + statements | Aggregators | Family-office systems | Formation | |
|---|---|---|---|---|
| Equity-comp lifecycle — grant → vest → exercise → diversify | partial | |||
| Liquidity-event playbook | ||||
| QSBS / AMT per-lot tracking | partial | |||
| Every number shows its work | ||||
| Price | your time | ~free–$200/yr | $50K–$500K/yr | $199/yr founding · $349/yr list |
A fraction of the price of the systems family offices use — and it beats the spreadsheet you actually open.
Priced for the complexity, not the assets.
A flat subscription. No AUM fee, no percentage of your wealth. The entity model Kubera locks inside its $2,499 Black tier is standard here — one plan, full access.
Formation
or $17.99/mo founding · list $29.99/mo
One plan. The entire dashboard.
This is you if: Equity comp, 3+ custodians, multiple entities, a liquidity event on the horizon — and a CPA in the loop.
- Equity & Liquidity, Tax, and Wealth-Transfer command centers
- Unlimited voice + text AURA, persistent memory
- Multi-entity model — trust · LLC · S-Corp
- Statement / K-1 ingestion + reconciliation
- Connect your CPA / advisor — read-only seat (at launch)
- Auto quarterly review PDF, citation-styled (at launch)
All plans include a 7-day free trial. A payment method is required to start; cancel anytime in Settings before the trial ends and you won’t be charged. See full pricing →
Questions, answered.
Neither. Formation is read-only: it never moves, trades, or holds your assets. It organizes your picture and models the tax and cash consequences of your decisions so you can take real numbers to your CPA and advisor. It is not a registered investment adviser, doesn't recommend securities, and never executes trades.
See it on your own equity picture.
No charge today · Cancel in two clicks. Or the demo first — no account, no card, a real liquidity event.