Manage your own wealth.
Without hiring a wealth manager.
Plenty of financially capable households would rather run their own money than hand it to a wealth manager and pay 1% of everything they've built. What's been missing isn't the will — it's the infrastructure: the entity model, the cross-custodian tax view, and the cited numbers that an advisor's software has and an individual can't buy. Formation is that infrastructure, driven by AURA — so you can do it yourself, done right.
The short answer
DIY wealth management means running your own money instead of delegating to a wealth manager or paying a percentage-of-assets fee. Formation supports it with a professional-grade, cited view of every account, entity, and tax position across all your custodians, plus AURA, an education-only AI. Formation is not a registered investment adviser and never moves your money.
The DIY gap: capability without infrastructure
The obstacle to managing your own wealth was never intelligence — it was tooling. A wealth manager isn't selling stock picks; they're selling infrastructure: a consolidated picture across custodians, an entity-aware balance sheet, tax-loss harvesting that respects a wash sale at the other broker, an equity-comp model that sees the AMT coming. Consumer finance apps stop at budgeting and a net-worth tab; the professional-grade software that does the rest was sold only to advisors — so the capable DIY household paid 1% of assets a year for access to it, or went without. Formation ships that infrastructure directly to the owner.
How Formation handles it
The whole picture, across every custodian
Link every brokerage, bank, and retirement account through the same read-only aggregator the big apps use, organized by the legal entity that owns each one — trust, LLC, joint, personal. One cited balance sheet, kept current automatically, instead of five logins and a spreadsheet.
The analysis a wealth manager runs — in your hands
Cross-custodian, wash-sale-aware tax-loss harvesting; asset-location and concentration analysis; AMT on an ISO exercise; multi-state tax exposure; drawdown and Monte-Carlo scenarios. Formation computes and shows its work; you make the call and run the trade list yourself.
AURA — an education-only research analyst
Ask anything about your own numbers and get a cited answer grounded in your real data, with every figure tagged sourced, computed, or estimated. AURA explains and analyzes; it never gives personalized advice, places a trade, or moves a dollar.
You keep custody, control, and your CPA
Formation never takes custody and never moves money — your assets stay at your own custodians. Actions are framed as scenarios, not recommendations, and a $5,000-plus move always waits for your explicit confirmation. When it's time to file, hand your CPA an organized, cited pack.
The guardrail that makes DIY safe
A tool that empowers you — not another adviser.
Formation is education-only and gives no personalized advice; it is not a registered investment adviser and never moves your money. That's not a limitation — it's precisely what makes 'manage your own wealth' safe and honest. A tool that hands you a professional-grade, cited picture and leaves the decisions to you is, by design, not your adviser.
Run your own money — with a professional-grade picture.
See every account, entity, and tax position in one cited view, and let AURA explain the numbers — without handing your wealth to a manager.
No charge today · Cancel in two clicks · Founding price $17.99/mo or $199/yr $29.99/mo list
Methodology · Formation organizes and cites; it does not advise or execute. Every figure is labeled SRC, CALC, or EST. Formation is not a registered investment adviser and never moves money — this is education, not personalized advice.