Guides

The jobs behind
running your own wealth.

Practical guides for the self-directed household — harvesting losses across custodians, organizing a balance sheet by entity, and honest comparisons of the tools, including where the competition wins.

8 min readUpdated July 2026

Kubera alternatives: 7 net-worth trackers for complex wealth

Seven honest Kubera alternatives for tracking serious wealth — compared on entities, private assets, tax tooling, and price. Where Kubera still wins, too.

7 min readUpdated July 2026

Monarch Money alternatives for investors

Monarch nails the budget and stops at the balance sheet. Six alternatives for investment-heavy households — entities, K-1s, tax tooling — honestly compared.

8 min readUpdated July 2026

Monarch Money alternatives for high-net-worth households

A $1M–$25M balance sheet spread across trusts, LLCs, and custodians needs more than a budget app. Honest Monarch alternatives for HNW households — including where Monarch still wins.

7 min readUpdated July 2026

Monarch Money vs YNAB: which budgeting app — and when you've outgrown both

Monarch vs YNAB comes down to flexible tracking vs zero-based discipline. An honest comparison — plus the signal your balance sheet, not your budget, is now the job.

6 min readUpdated July 2026

Monarch Money vs Rocket Money: which one — and what neither tracks

Monarch is a full budgeting-and-net-worth app; Rocket Money is a bill-cutter with light budgeting. An honest comparison — plus what neither is built to track for a bigger balance sheet.

6 min readUpdated July 2026

Monarch Money vs Copilot Money: which personal finance app?

Copilot's Apple-native polish vs Monarch's cross-platform breadth and couples features. An honest comparison — plus the balance-sheet job neither is built for.

7 min readUpdated July 2026

Formation vs Vyzer: which wealth platform for a private-heavy balance sheet

Vyzer specializes in private investments and cash-flow projection; Formation adds an entity model and a tax layer. An honest head-to-head for HNW households with complex assets.

9 min readUpdated July 2026

Tax-loss harvesting across multiple brokerages: a DIY guide

How self-directed investors harvest losses across multiple custodians without tripping IRS §1091 — cross-account wash-sale rules and what good software checks.

See these jobs done on your own numbers.

Formation Money provides financial planning software and educational content, not personalized investment, legal, or tax advice. Formation Money is not a registered investment adviser. For personalized guidance, work with your own CPA or a licensed financial adviser.

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